# Dow Credit Union CD and share certificate rates

As of October 22, 2026, Dow Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 13-month promotional CD ($500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.54% to 4.40% APY.

Canonical page: https://apyledger.com/cd-rates/dow-credit-union
Institution: Dow Credit Union (NCUA 60137)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:44.000Z (October 22, 2026)
Official source: https://dowcreditunion.org/account/certificates-of-deposit
Coverage: Membership required. Simple CDs (highest APY, not eligible for the Member Saver Reward), standard CDs, a 13-month special, Bump CDs and youth CDs; most require $500. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Simple CD | standard | 3 months | $500 | 4.35% | Not ZIP-priced | +0.05% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Simple CD | standard | 6 months | $500 | 4.25% | Not ZIP-priced | −0.15% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Youth CD | special | 6 months | $500 | 3.69% | Not ZIP-priced | −0.71% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Standard CD | standard | 6 months | $500 | 3.54% | Not ZIP-priced | −0.86% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Simple CD | standard | 12 months | $500 | 4.30% | Not ZIP-priced | −0.27% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Youth CD | special | 12 months | $500 | 3.73% | Not ZIP-priced | −0.84% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Standard CD | standard | 12 months | $500 | 3.58% | Not ZIP-priced | −0.99% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Simple CD | promotional | 13 months | $500 | 4.50% | Not ZIP-priced | −0.10% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Simple CD | standard | 18 months | $500 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Standard CD | standard | 18 months | $500 | 3.54% | Not ZIP-priced | −1.18% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Simple CD | standard | 24 months | $500 | 4.40% | Not ZIP-priced | −0.47% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Standard CD | standard | 24 months | $500 | 3.65% | Not ZIP-priced | −1.22% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Simple CD | standard | 36 months | $500 | 4.40% | Not ZIP-priced | −0.55% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Standard CD | standard | 36 months | $500 | 3.65% | Not ZIP-priced | −1.30% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Simple CD | standard | 48 months | $500 | 4.40% | Not ZIP-priced | −0.58% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Bump Rate CD | standard | 48 months | $500 | 3.65% | Not ZIP-priced | −1.33% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Simple CD | standard | 60 months | $500 | 4.40% | Not ZIP-priced | −0.61% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |
| Bump Rate CD | standard | 60 months | $500 | 3.65% | Not ZIP-priced | −1.36% | 2026-10-22T16:21:44.000Z | [Snapshot 335](https://apyledger.com/snapshots/335) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.