See credit union for details. Federally insured by NCUA. Equal Housing Opportunity.
The 90s Styles Were A Fad, Membership Never Goes Out Of Style
Talk to the hand, big banks! Joining Dow makes you pretty fly in our book. Besides, we’re all that when it comes to memberships. We have the products and services that will make you say peace out to big banks. They are totally buggin’ with fees and high-interest lending rates anyways.
Credit unions are always evolving. They provide new services constantly and give advice that matters today, not last week. Getting outdated advice or products from a credit union. AS-IF! The best part is you can open an account right from your crib. Join us today and let’s bounce from banks and see how freakin’ sweet Dow can be for you!
See credit union for details. Federally insured by NCUA.
We’ve all been there. It’s your first time taking out an auto loan, you’re excited to buy the perfect car, and then WHAM! You’re trapped with a BIG auto loan payment. Luckily, DOW is here to help break you out!
Transfer your auto loan to DOW and we can lower your rate by as much as 2% APR*. That means wasting less money on your auto payment, and the freedom of some extra cash in your account each month.
So get ready to break free from the high rate trap. Transfer your auto loan to DOW today and save.
*APR = Annual Percentage Rate. See credit union for complete details. Not all members may qualify. Offer applies only to current, external auto loans. Current Dow auto loans ineligible for offer. Rate will be higher of 2.00% off current, external auto loan rate or 2.99% APR. Proof of current rate may be required. Federally insured by NCUA.
These days it feels like it’s getting harder and harder every day to get out of bed and get the day started. That’s why we have a card that makes adulting easier.
With Dow, we are here to help you enter into adulthood the easy way. With the Dow Visa®, you don’t have to worry about the high rates, high fees, or anxiety that comes from applying.
And if this is your first time with a card or had a bad experience with a card, that’s ok! You can always transfer your balance to your Dow Visa credit card and make adulting just a little bit easier.
Not all members may qualify for Visa® Credit Card approval. Federally insured by NCUA.
When looking for a mortgage there are so many lenders looking to earn your business.
They all seem to blend together after a while, but not Dow! It’s clear to see the difference. We offer the lowest closing costs around, guaranteed.
How can we be so confident? If you find a lender whose closing costs are cheaper, we’ll beat it by up to 10%! We are the clear choice helping our members purchase the home they love or refinance their loan for the best payment. Why? Because they are worth it!
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.