• Skip to main content
  • Home
  • Our Story
  • Why Us
  • Rates
  • Contact & Locations
  • Home
  • Our Story
  • Why Us
  • Rates
  • Contact & Locations
Dow_Logo_FullColor_RGB
  • Borrow
    • First-Time Borrower
    • Personal Loans
    • Home Loans
    • Vehicle Loans
    • Home Equity Loan
    • VISA Credit Cards
  • Accounts
    • Business
      • Business Services
    • Spend
      • Checking
      • Credit Cards
      • Overdraft Protection
    • Save
      • Savings
      • Certificates
      • IRAs
      • Club Account
      • Youth Accounts
      • Rate Chaser Money Market
    • Insurance & Investments
      • Wealth Management
      • Insurance
  • Resources
    • Wealth Management
      • Learn More!
    • Remote Banking
      • Mobile Banking
      • Audio Response
      • Virtual Branch
      • Locations
    • Calculators
      • Loan Calculator
      • Savings Calculator
      • Mortgage Calculator
    • Additional Information
      • Join Us
      • Auto Buying Resources
      • Additional Services
      • Balance Transfer Request Form
      • Direct Deposit
      • Loan Rates
      • Printable Loan and Credit Card Application
      • Schedule of Service Costs
      • Reorder Checks
  • Learn
    • Quarterly Blog
    • Learning Zone
    • The Credit Union Difference
    • Mortgage Calculator
    • Savings Calculator
    • Loan Calculator
    • Security and Identity Theft
  • Join Us

You are Leaving Our Website!

By accessing this link you are leaving the Dow Credit Union website and are going to a website that is not operated by the credit union. Although Dow Credit Union has approved this as a reliable partner site you will not be under the protection of Dow CU’s website. The privacy and security policies of the linked site may differ from those practiced by the credit union. 

Close this notice to stay, click the button below to proceed.

CONTINUE TO THE SITE
LOGIN

Rates

 

Consumer Loans

Loan TypeAs Low asAPRTerms Up to
New Autos (2022 and newer) Up to 3 Years4.49%4.49% - 18.00%36
Minimum loan amount $ 5,000 – 4 Years
4.49%4.49% - 18.00%48
Minimum loan amount $ 7,500 – 5 Years
4.49%4.49% - 18.00%60
Minimum loan amount $ 10,000 – 6 Years
4.99%4.99% - 18.00%72
Minimum loan amount $ 20,000 – 7 Years
5.24%5.24% - 18.00%84
Used Autos (2014 to 2021) Up to 3 Years4.99%4.99% - 18.00%36
Minimum loan amount $ 5,000 – 4 Years
4.99%4.99% - 18.00%48
Minimum loan amount $ 7,500 – 5 Years
4.99%4.99% - 18.00%60
Minimum loan amount $ 10,000 – 6 Years
5.49%5.49% - 18.00%72
Minimum loan amount $ 20,000 – 7 Years
5.74%5.74% - 18.00%84
Used Autos (2011-2013) 5 Years depending on value5.99%5.99% -18.00%60
New RV’s (2022 and newer) Up to 10 Years depending on value 4.99%4.99% - 18.00%120
Minimum loan amount $10,000 – 6 Years
5.24%5.24% - 18.00%72
Minimum loan amount $20,000 – 7 Years
5.49%5.49% - 18.00%84
Minimum loan amount $50,000 – 10 Years
5.74%5.74% - 18.00%120
Used RV’s (2014- 2021) Up to 5 Years5.74%5.74% - 18.00%60
Minimum loan amount $10,000 – 6 Years
5.99%5.99% - 18.00%72
Minimum loan amount $20,000 – 7 Years
6.24%6.24% - 18.00%84
Minimum loan amount $50,000 – 10 Years
6.49%6.49% - 18.00%120
New Motorcycles 20224.99%4.99% - 18.00%60
Minimum loan amount $10,000 – 6 Years
5.24%5.24% - 18.00%72
Minimum loan amount $20,000 – 7 Years
5.49%5.49% - 18.00%84
Used Motorcycles (2014- 2021) up to 6 Years5.74%5.74% - 18.00%60
Minimum loan amount $10,000 – 6 Years
5.99%5.99% - 18.00%72
Share Secured-Fixed Rate3.010%3.010%120
Signature Loans- Up to 7 Years9.80%9.80% -18.00%84

Real Estate Loans

Loan TypeAs Low asPointsAPR*Terms
1st Mortgage 15 YearsCall for Rates0-15 YRS
1st Mortgage 30 YearsCall for Rates0-30 YRS

Rates, points and programs cannot be guaranteed and are subject to change without notice. Loans subject to all policies and procedures. Property insurance is required. Flood insurance may apply. No mobile homes. Maximum (LTV) 80% of appraised value. Actual rate will be determined after receipt of the application and prior to execution of final loan documents. There are no pre-payment penalties on these quotes.

Representative example: Pay $5.07 per month per $1,000 borrowed at 4.500% APR for 30 years. Taxes and insurance are not included in this calculation.

Loan TypeAs Low asPointsAPR*
PrimeLine Home Equity Line of Credit (Int. only)3.50%03.50

All home equity lines of credit: Limited to California owner-occupied residences. Minimum payments are interest only for the first 10 years followed by 15 years of fully amortized payments. Rates change with the prime rate as published in the 'Money Rates' section of the Wall Street Journal. These are variable-rate loans, the rate may change monthly.

Actual set up costs apply for all loans. Initial setup fees generally range between $500 and $2,500.  The minimum line of credit amount is $10,000, with a maximum of $250,000.  Loans not to exceed 80% CLT.

Deposit Accounts

Savings TypeMInimum BalanceDividend RateAPY*Term
Regular Share Savings$100.0100.010N/A
Rate Chaser Money Market**
$0 to $2,499.99$03.00%3.00%N/A
$2,500 to $4,999.99$2,5001.00%1.00%N/A
$5,000 to $9,999.99$5,0000.50%0.50%N/A
$10,000 to $19,999.99$10,0000.25%0.25%N/A
$20,000 to no max$20,0000.10%0.10%N/A

Checking Accounts

Checking TypeMInimum BalanceDividend RateAPY*Monthly Fee
Free CheckingNo Min.0.00.0N/A
Interest CheckingNo Min.0.1000.10$7.50
$2,500 to $9,999$25000.1000.10N/A
$10,000 to $24,999$10,0000.1000.10N/A
$25,000 to $49,999$25,0000.1500.15N/A
$50,000 to $99,999$50,0000.2000.20N/A
$100,000 +$100,0000.2500.25N/A

Certificates

Certificate TypeMInimum BalanceDividend RateAPY*Term
6 Month Certificate$10000.7500.7506
1 Year Certificate$10001.2501.25012
2 Year Certificate$10001.7501.75024
3 Year Certificate$10002.0002.00036
4 Year Certificate$10002.0002.00048
5 Year Certificate$10002.0002.00060
1 Year IRA Certificate$10001.2501.25012
2 Year IRA Certificate$10001.7501.75024
3 Year IRA Certificate$10002.0002.00036
4Year IRA Certificate$10002.0002.00048
5 Year IRA Certificate$10002.0002.00060

Credit Card

Platinum Visa CardBenefit
Limitsfrom $500 up to $25,000
Annual Percentage Rate (APR) for purchasesFIXED rate as low as 8.99% APR
APR for Balance Transfers and Cash AdvancesFIXED rate as low as 11.99% APR
Grace Period to avoid paying interest25 Day grace period to repay your balance for new purchases before a finance charge on purchases will be imposed
Foreign Transaction Fee1% for multiple currencies and 0.8% for single currency
Late FeeUp to $10
Annual FeeNO fee!
Cash Advance FeeNO fee! Higher rates may apply.

Title Loans: Borrow against your clear car, truck, RV . . . Same rates as above plus 1% . . . Use funds for whatever you want.

*APY = Annual Percentage Yield

**Limit one Rate Chaser Money Market account per membership. Direct deposit required for stated rate. Without direct deposit, rates will be 0.25%

Penalties apply for early withdrawal.

Rates are subject to change without notice. Please call (925) 331-1010 to obtain current rate information. NMLS#753840

credit-union-dow

To Open an Account

Visit us, email us, or call us.

CALL (925) 331-1010

Contact Dow Credit Union

Engage With Us

Become a Member
Check Current Rates
Apply for a Loan
Get a Credit Card
Access Online Bill Pay

ehowhite
image005

Who We Are

Our Story
The Team
Volunteers
Careers

Follow Us On:

Information

Holiday Closures
Security & Identity Theft

Routing Number: 321174550

“To Report a Lost or Stolen Visa Debit Card…..during regular business hours call 925-331-1010 Option 6 after hours call 800-472-3272.“

Holiday Closures
Security & Identity Theft

Routing Number: 321174550

“To Report a Lost or Stolen Visa Debit Card…..during regular business hours call 925-331-1010 Option 6 after hours call 800-472-3272.“

Contact Us

Our Locations

Antioch Branch - Get Directions >>
3457 Deer Valley Rd.
Antioch, CA 94531
Phone: 925-331-1010
Fax: 925-331-1066

Federally Insured by NCUA. Rates are current as of this month and this year unless otherwise noted and are subject to change.
© 2018 Dow Credit Union. All Rights Reserved. Site By Clifton Creative Web