About

My project (1)

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.

In 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. Today Dow Credit Union proudly serves over 82,000 members across all 50 states and manages over $2.3 billion in assets, both online and throughout Michigan’s Great Lakes Bay Region.

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

ATMs

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

 

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.

 

Holiday Hours (2024-2025)

DayDateHoliday NameHours
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
SaturdayJan 18Martin Luther King Jr. Day WeekendClosed
MondayJan 20Martin Luther King Jr. DayClosed
MondayFeb 17President's DayClosed
FridayApr 18Good FridayClosed
SaturdayApr 19Easter WeekendClosed
SaturdayMay 24Memorial Day WeekendClosed
MondayMay 26Memorial DayClosed
FridayJul 04Independence DayClosed
Saturday Jul 05Independence Day WeekendClosed
SaturdayAug 30Labor Day WeekendClosed
MondaySep 01Labor DayClosed
ThursdayNov 27Thanksgiving DayClosed
FridayNov 28Day after ThanksgivingClosed
SaturdayNov 29Thanksgiving WeekendClosed
WednesdayDec 24Christmas Eve7:30 a.m. - 12:00 p.m. ET
ThursdayDec 25Christmas DayClosed
WednesdayDec 31New Year's Eve7:30 a.m. - 12:00 p.m. ET
ThursdayJan 1New Year's Day (2026)Closed

 

 


 

Featured News

Press Release
Michael Goad | Dow Credit Union | 2024 Leadership Award | Xavier DeGroat Autism Foundation

Dow Credit Union CEO Recognized for Outstanding Leadership by Xavier DeGroat Autism Foundation

Read More
Offer
Dow Credit Union Festive Loan Payoff Frenzy Thumbnail

Borrowers Could Win up to $5,000 During Dow Credit Union’s Festive Loan Payoff Frenzy

Read More
Blog
Dow Credit Union Multipliers for Good Radio Spotlight Series

Debut of the Multipliers for Good Radio Showcase Series

Read More
Press Release
Dow Credit Union Sponsors Inclusion Palooza a Personal Assistance Options (POA) Event

Inclusion Palooza Music Festival to Raise Money for Personal Assistance Options

Read More
News
Dow Credit Union received the 2024 Partners in Growth Corporate Achievement Award at the 13th Annual Great Lakes Bay Regional Chamber Summit.

Dow Credit Union Recognized for Corporate Achievement

Read More
News
Welcome to Dow Credit Union Saginaw!

Dow Credit Union's Saginaw Branch Celebrates Milestone: Surpasses $21 Million in Deposits & Welcomes 500+ New Members

Read More
Blog
Dow Credit Union & Habitat for Humanity Team Up as Multipliers for Good to Champion Vibrant Communities

Dow Credit Union & Habitat for Humanity Team Up as Multipliers for Good to Champion Vibrant Communities

Read More
News
Dow Credit Union & Habitat for Humanity partner to secure funds for local homeowners in need

Dow Credit Union & Habitat for Humanity partner to secure nearly $130k for local homeowners in need

Read More
Blog
Maximize your Vacation Fund with these Summer Travel Saving Tips

Maximize your Vacation Fund with these Summer Travel Saving Tips

Read More
Blog
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

Read More
Blog
Auto Loans with Dow Credit Union

3 Reasons to Finance Your Auto Loan with Dow Credit Union

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

2024 Member Survey

Read More
News

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

Read More
Blog

Scouts Partner with Dow Credit Union to Promote Financial Education

Read More
Blog

Off-Site Insights: Jambalaya and Jazz Returns

Read More
Blog

United Ways Multiply Good in Bay Region

Read More
Blog

Midland's Best Credit Union Wins Again

Read More
Blog

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

Read More
News

Three-Month Special CD Earns Media Endorsements

Read More
Blog

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

Read More

 

 

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