cadmin

Level Up Your Share Certificate

by

Level Up your Share certificates. Match or beat your best certificate offer!*

Our Share Certificates help you rise above the rest in savings, security, and stability!

Savings: Get the best yield rate around with our Match or Beat Offer! If you are offered a higher yield rate at another financial institution, we’ll rise above the competition and match or beat it so that you get the most savings possible.* Plus, our share certificates come with terms from 6 months up to 5 years, so you can pick the term that works best for your long-term or short-term savings goals.

Security: With a Dow Share Certificate, you can rest assured that your money is in good hands. Our great fixed rates give you the peace of mind that you will walk away with stronger savings at the end of the term.

Stability: Whatever your savings goal, our Share Certificates can help you save reliably. You’ll make steady progress when saving for big expenses like dream vacations, new experiences, or retirement.

Leveling up your financial game has never been easier!
To open a Share Certificate, just visit us, email us, or call us.

 

*Match Your Rate Promotion applies to 48- and 60-month terms. Beat Your Rate Promotion Promotion applies to 6-, 12-, 24- and 36-month terms. To qualify, you must provide documentation of offered rate and term from another financial institution with a brick-and-mortar location within our service area of Contra Costa, Solano or Alameda counties. We will match the offered term or will beat the rate by 0.25% Annual Percentage Yield. Excludes existing Dow Certificate Accounts. Minimum of $1,000 in new funds from another financial institution. Maximum of $250,000. A penalty may be imposed for early withdrawals. Fees could reduce earnings. Dow reserves the right to extend or end offer at any time. Member eligibility required. See credit union for details. Other restrictions apply. Federally insured by NCUA.

Want to See Change? It’s Time to Be the Change!

by

Are you ready to be the driving force of change in your community? The Dow Supervisory Committee invites YOU to be a part of our dynamic team. We’re searching for dedicated individuals to join our committee and make a lasting impact.

Be Empowered to Empower. It reflects our core belief that every individual has the potential to be a catalyst for change. By joining our committee, you become a vital part of a team dedicated to creating a brighter future for our community. We understand that your schedule is valuable, and that’s why we offer manageable time commitments. You’ll have the flexibility to contribute your skills and ideas without overwhelming obligations.

By joining our Supervisory Committee, you’ll have the opportunity to:

Advocate for meaningful change.
Collaborate with like-minded individuals.
Develop leadership skills.
Make a real difference in your community.
Create a legacy of positive change.

It’s time to take action and be the change you want to see in the world. Your ideas, your voice, and your actions. Join us today at the Dow Supervisory Committee.

 

Good Things Grow

by

We’re on a mission to let the good things grow here at Dow Credit Union, and we know that you’ve got some fantastic stories to tell. We’re reaching out to our amazing members (that’s you!) to help us spread the love.

If you have a story about how Dow Credit Union has helped you on your financial journey, please share it with us below! As a token of our appreciation for sharing your testimony and photo, you’ll receive a FREE Good Things Grow Kit.* Together, let’s spread positivity, help others find financial happiness, and keep the good things growing.

*Limit one (1) per household, 18+ and US residents who participate in program. Offer expires 12/31/23. Receive Good Things Grow Kit (sticker and tee shirt). See credit union for details. Federally insured by NCUA.

Is Now the Right Time to Buy a Car?

by

Have you been considering purchasing a vehicle? Now could be the right time for you to buy.

According to US News, March car sales were off by almost 40 percent compared to the same month in 2019. What does this mean for you? Due to declining sales, dealerships are highly motivated to sell vehicles, but you may not necessarily get the deal that is best for you. Our goal is to encourage you to do your due diligence and buy a vehicle that’s best for your lifestyle and budget. To help you make a smart decision, we’re providing a few tips to ensure you’re well-informed.

Know you have choices

Due to dealerships looking to make up for lost sales, they’re offering flashy, headline-making deals. However, once you take a look under the hood, the deals aren’t as great as they seem. For instance, a cash rebate will be a better deal than 0 percent interest when paired with a low-interest loan as it can lower your monthly payment. Therefore, you can take the rebate and finance with Dow Credit Union for your best deal.

If the dealership requires you to use their financing, you can finance with the rebate and then refinance your auto loan with us. We will work with you to ensure you receive the best deal on your vehicle. TransUnion reports that car buyers who refinanced their auto loan, lowered their rate by over 2 percent!*

Consider your warranty options

When you’re buying a vehicle, whether new or used, dealers will try to sell you or automatically include add-ins like warranties to your loan. When buying a car, think of how long you plan to own it. If you trade or upgrade your vehicle often, you may not need an extended warranty. Typically, new vehicles come with manufacturer warranties that supersede any extended warranties. This means that your extended warranty has no value until the original manufacturer warranty expires.

If you plan on keeping your vehicle for an extended length of time, an extended warranty could be right for you. Compare the costs of the warranties the dealer offers with our warranty options. Our warranties are usually lower in cost, have longer terms and more comprehensive coverage than those offered at the dealership.

Watch out for GAP Insurance

GAP stands for Guaranteed Asset Protection. What is GAP insurance? It’s optional car insurance coverage that helps you pay off your auto loan in the event that your car is totaled or stolen, and you owe more than the car’s current value. This helps bridge the “gap” between what you owe and what your insurance is willing to pay. For example, say you owe $25,000 on your car but the actual value is $19,000. If you incur a total loss accident, your insurance will most likely only pay the value amount of 19,000. GAP insurance will pay the $6,000 so you are debt-free.

Compare the GAP Insurance from the dealership with what we offer. Dealers often charge each person a different amount. They can set their own prices; which are typically very high in comparison to our policies that are reasonably priced and cost the same for each member.

If you’ve made up your mind to purchase a vehicle, you don’t have to be intimidated by the dealer. Take control of your car buying journey and get pre-approved with Dow Credit Union. Learn more about our current auto loan offerings and click here. We will help you compare the numbers and guide you to make the best financial decision.

*Information was collected for this article from credible.com and US News. Credit Union does not endorse these sites and simply used content for informational purposes only. Federally insured by NCUA.