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Source: https://dowcreditunion.org/account/certificates-of-deposit
Read: 2026-10-22T16:21:44.000Z

Certificates of Deposit | Dow Credit Union
Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit of $500. Our Simple CDs offer our highest APY for the term of the CD but are not eligible for the potential year-end Member Saver Reward 1 .
Term Length | Interest Rate 2 | APY 3
3 Months | 4.27% | 4.35%
6 Months | 4.17% | 4.25%
12 Months | 4.22% | 4.30%
13 Months SPECIAL | 4.41% | 4.50%
18 Months | 4.17% | 4.25%
24 Months | 4.31% | 4.40%
36 Months | 4.31% | 4.40%
48 Months | 4.31% | 4.40%
60 Months | 4.31% | 4.40%
Annual Percentage Yield (APY) assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
Term Length | Interest Rate 3 | APY 4
6 Months | 3.48% | 3.54%
12 Months | 3.52% | 3.58%
18 Months | 3.48% | 3.54%
24 Months | 3.59% | 3.65%
36 Months | 3.59% | 3.65%
0% | 10% | 20% | 30% | 40%
3.54% | 3.89% | 4.24% | 4.60% | 4.95%
3.58% | 3.94% | 4.29% | 4.65% | 5.01%
3.54% | 3.89% | 4.24% | 4.60% | 4.95%
3.65% | 4.01% | 4.38% | 4.74% | 5.11%
3.65% | 4.01% | 4.38% | 4.74% | 5.11%
Annual Percentage Yield (APY) assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
Term Length | Interest Rate 3 | APY 4
48 Months | 3.59% | 3.65%
60 Months | 3.59% | 3.65%
0% | 10% | 20% | 30% | 40%
3.65% | 4.01% | 4.38% | 4.74% | 5.11%
3.65% | 4.01% | 4.38% | 4.74% | 5.11%
Annual Percentage Yield (APY) assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
Term Length | Interest Rate 3 | APY 4
6 Months | 3.63% | 3.69%
12 Months | 3.67% | 3.73%
0% | 10% | 20% | 30% | 40%
3.69% | 4.06% | 4.43% | 4.80% | 5.17%
3.73% | 4.11% | 4.48% | 4.85% | 5.23%
Annual Percentage Yield (APY) assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
Term Length | Interest Rate 3 | APY 4
12 Months | 3.52% | 3.58%
24 Months | 3.59% | 3.65%
36 Months | 3.59% | 3.65%
48 Months | 3.59% | 3.65%
0% | 10% | 20% | 30% | 40%
3.58% | 3.94% | 4.29% | 4.65% | 5.01%
3.65% | 4.01% | 4.38% | 4.74% | 5.11%
3.65% | 4.01% | 4.38% | 4.74% | 5.11%
3.65% | 4.01% | 4.38% | 4.74% | 5.11%
Annual Percentage Yield (APY) assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.