Everyone is Welcome!
Most people don’t feel “wow” about their bank or credit union—and that’s exactly the problem. At Dow Credit Union, we’re changing expectations with an experience that’s simple, secure, and genuinely “wow”—featuring industry-leading rates like up to 5.12% APY on Preferred Checking8, nationally recognized CD rates2, and real fee relief including $0 NSF fees.
Join a credit union built for you—one that’s returned over $331 million to members1, gives back to communities, and serves 83,000+ members across all 50 states and 40+ countries. Better rates. Fewer fees. Real impact. Join today and feel the “wow”!
Live in Michigan?
Great news! Membership is open to everyone who lives in Michigan.
Live outside Michigan?
Still great news! No matter where you live, you can become a member by making a $10 donation to our Multipliers for Good charitable fund which goes to helping build stronger, more vibrant communities.
Membership requires a $5.00 deposit into a prime savings account representing one share and your ownership in the credit union. Youth accounts can be opened with the assistance of a parent or legal guardian. If you are not subject to U.S. taxes and/or do not reside in the U.S., please contact us for assistance by calling 800.835.7794. To apply by mail, complete this form.
Check out our great rates!
Recognized by the Wall Street Journal, Investopedia, and Business Insider.2
Enjoy Little to No Fees
We couldn’t agree more — fees should be minimal, or better yet, nonexistent. That’s why our members enjoy some of the lowest-cost fees around, including $0 non-sufficient fund (NSF) fees! By eliminating NSF fees, we're helping build a more inclusive, equitable financial future for everyone. We understand that life happens — but unnecessary fees don’t have to.
Since 1980, we've given back to our members more than1
Join the largest and fastest-growing credit union based in our region!
QUESTIONS? Stop by one of our branches or call us at 989.835.7794 or 800.835.7794.
MIDLAND: 600 E. LYON RD.
SAGINAW: 5420 GRATIOT RD.
- While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply.
- Business Insider, 04/2025, Best 3 Month CD Rates. Wall Street Journal, 05/2024, Best CD Rates. Investopedia, 12/2024, Best 2 Year CD Rates.
- APY = Annual Percentage Yield. Rates effective 04/01/2025 and subject to change on a daily basis. 3.51% APY rate eligible on Simple High-Yield account balances $500,000.00+.
- APY = Annual Percentage Yield. Rate effective 12/16/2025 and subject to change on a daily basis. APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. Starting minimum deposit is $500. 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.
- APR= Annual Percentage Rate. Rates effective 04/13/2026. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Certain restrictions may apply.
- As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits.
- Newsweek, 12/2024, America's Best Regional Banks and Credit Unions 2025.
- APY = Annual Percentage Yield. Rates subject to change. Preferred Checking is a free, variable-rate account with no minimum balance that pays the Preferred Rate on balances up to $20,000 when Qualifying Activities are met during the Monthly Qualification Cycle. Balances over $20,000 and all balances during cycles when qualifications aren’t met earn the Classic Rate. Qualifying Activities to earn the Preferred Rate, you must each month: (1) make at least 15 debit card purchases, (2) receive at least $900 in qualifying direct deposits, (3) sign in to online or mobile banking at least once, and (4) be enrolled in paperless delivery for all statements, tax forms, and notices. See Credit Union for details.