About

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Our Mission

Act as a multiplier for good, sharing our success to improve the lives of members, employees, and neighbors to build stronger, more vibrant communities.

Dow Credit Union's Service Commitment is to be our members' lifelong financial partner by building trusted relationships.

 

Dow Credit Union was the 182nd credit union organized in the State of Michigan.

In 1937, the country was still in the throes of a severe economic depression that underscored the need for a workable financial plan to enable Dow employees to save for emergencies and obtain convenient, low-cost credit. Two Dow employees heard about the credit union movement and brought members of the Michigan Credit Union League to Midland. Representatives of labor and management heard the plan, liked it, and applied to the State Banking Department for a charter, which was granted July 28, 1937.

When Dow Credit Union began, membership was available to all employees of The Dow Chemical Company upon payment of a $0.25 membership fee. After joining, members could buy shares in the Credit Union for $5 each. The maximum loan granted without security was $50 and the maximum loan with security was $300. Interest rates were fixed at one percent a month on unpaid balances of any loan.

The first year of its inception, Dow Credit Union had 338 members and issued $4,990 in loans. By 1938, the assets reached $35,983. Dow Credit Union is proud to serve more than 74 thousand members and as of December 31, 2021 has over $2.1 billion in assets.

Our goal has always been to serve the members to the best of our abilities and provide them with the best value for their money. Every day, we continually strive to improve our level of service by keeping our common focus on the members. Thank you for your continued support of Dow Credit Union and for utilizing the many services we offer. Please look to us first for all of your financial needs as we continue to provide great value and pricing of our products and services. We look forward to serving you today, tomorrow, and for the years to come. Remember, Dow Credit Union is your Credit Union!

 

Hours and Locations

Midland Branch

Hours

Lobby:

Monday - Friday: 7:30 a.m. - 5:30 p.m. ET*

Drive Thru:

Monday - Friday: 7:30 a.m. - 5:30 p.m. ET*

Saturday: 9:00 a.m. - 1:00 p.m. ET*

* See the Holiday Hours section below for more specific information.

Saginaw Branch

5420 Gratiot Rd, Saginaw, MI 48638

Hours

Lobby:

Monday - Friday: 9:00 a.m. - 5:00 p.m. ET*

Drive Thru:

Monday - Friday: 9:00 a.m. - 5:00 p.m. ET**

* See the Holiday Hours section below for more specific information.
** Drive Thru ATM available 24-hours every day and on weekends.

ATMs

We have a number of ATM locations. Use our ATM Locator to find the one closest to you!


Holiday Hours (2024)

DayDateHoliday NameHours
MondayNew Year's Day HolidayClosed
SaturdayJan 13Martin Luther King Jr. Day WeekendClosed
MondayMartin Luther King Jr. Day Closed
MondayPresident's Day Closed
FridayMar 29Good FridayClosed
SaturdayEaster Weekend Closed
SaturdayMemorial Day WeekendClosed
MondayMemorial Day Closed
Thursday Independence Day Closed
SaturdayAug 31Labor Day WeekendClosed
MondayLabor Day Closed
ThursdayThanksgiving Closed
FridayDay after Thanksgiving Closed
SaturdayThanksgiving WeekendClosed
TuesdayChristmas Eve7:30 a.m. - 12:00 p.m. ET
WednesdayChristmas DayClosed
TuesdayNew Year's Eve7:30 a.m. - 12:00 p.m. ET
WednesdayJan 01New Year's Day (2025)Closed

 

 


 

Featured News

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Maximize your Vacation Fund with these Summer Travel Saving Tips

Maximize your Vacation Fund with these Summer Travel Saving Tips

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Adventure into summer with a recreational vehicle loan from Dow Credit Union!

Your Ultimate Adventure Guide to RV Shopping and Scoring Top Recreational Vehicle Loan Rates

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Experience Low Auto Loan Rates at Dow Credit Union!

3 Reasons to Finance Your Auto Loan with Dow Credit Union

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A woman wearing a blue sweater in a modern looking office setting checks her phone

2024 Member Survey

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Shred Day Wednesday, April 24th, from 1:00 to 3:00 p.m. at Midland Branch

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Scouts Partner with Dow Credit Union to Promote Financial Education

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Off-Site Insights: Jambalaya and Jazz Returns

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United Ways Multiply Good in Bay Region

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Midland's Best Credit Union Wins Again

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Dow Credit Union Holds Third Opening Ceremony in 86-Year History

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News

Three-Month Special CD Earns Media Endorsements

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Sent in Solidarity: Dow Credit Union Delivers Roses to Healthcare Centers

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Dow Credit Union Sponsors Scouts' Merit Badge College

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Blog

CU in the Community: Positivity Bench Provides Safe Space at Legacy Center

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Dow Credit Union Presents 2023’s "Dine & Unwind" with CAN Council

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Dow Credit Union Observes CU Kind Day With Month of Service

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Blog

CU in the Community: A Review of “Holst’s The Planets, Live in Motion”

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News

When is a child ready for an account of their own? Part I

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News

Saginaw Branch Reports $3.4 Million in Deposits After Grand Opening Week

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Blog

Grand Opening Festivities Held at Saginaw Branch

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Careers

Interested in helping making Dow Credit Union great?

Dow Credit Union believes that diversity, equity and inclusion are essential to a robust and thriving financial institution. As a membership organization with a global reach, Dow Credit Union is committed to promoting a culture that includes, encourages, supports and celebrates diverse voices and reflects the communities it serves.

 


 

Security, Policies, & Disclosures