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.

Hours and Locations

ATMs

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

 

Midland Branch

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

Drive Thru Hours:
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.
** Drive Thru ATM available 24-hours every day and on weekends.

Learn More Branch Services

Saginaw Branch

5420 Gratiot Rd, Saginaw, MI 48638


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

Drive Thru Hours:
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.

Learn More Branch Services

Holiday Hours (2025-2026)

DayDateHolidayHours
ThursdayNov 27Thanksgiving DayClosed
FridayNov 28Day after ThanksgivingClosed
SaturdayNov 29Thanksgiving WeekendClosed
WednesdayDec 24Christmas Eve7:30 a.m. - 12:00 p.m. ET (Saginaw Branch opens 9.00 a.m.)
ThursdayDec 25Christmas DayClosed
WednesdayDec 31New Year's Eve7:30 a.m. - 12:00 p.m. ET (Saginaw Branch opens 9.00 a.m.)
ThursdayJan 1New Year's Day (2026)Closed
SaturdayJan 17Martin Luther King Jr. Day WeekendClosed
MondayJan 19Martin Luther King Jr. DayClosed
MondayFeb 16President's Day (Inservice Day)Closed
FridayApr 3Good FridayClosed
SaturdayApr 4Easter WeekendClosed
SaturdayMay 23Memorial Day WeekendClosed
MondayMay 25Memorial DayClosed
FridayJuly 3Independence DayClosed
SaturdayJuly 4Independence Day WeekendClosed
SaturdaySep 5Labor Day WeekendClosed
MondaySep 7Labor DayClosed
ThursdayNov 26Thanksgiving DayClosed
FridayNov 27Day after ThanksgivingClosed
SaturdayNov 28Thanksgiving WeekendClosed
ThursdayDec 24Christmas Eve7:30 a.m. - 12:00 p.m. ET (Saginaw Branch opens 9.00 a.m.)
FridayDec 25Christmas DayClosed
SaturdayDec 26Christmas WeekendClosed
ThursdayDec 31New Year's Eve7:30 a.m. - 12:00 p.m. ET (Saginaw Branch opens 9.00 a.m.)
FridayJan 1New Year's Day (2027)Closed
SaturdayJan 2New Year's WeekendClosed

 

 

 

Featured News

Press Release
Dow Credit Union Welcomes 1000th Saginaw Branch Member

Dow Credit Union’s Saginaw Branch Welcomes 1,000th Member

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Blog
Dow Credit Union Celebrates Alison Lutren Midland Daily News 40 Under 40

Alison Lutren Named Credit Union Professional Honoree in Midland 40 Under 40

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Blog
Dow Credit Union | Multipliers for Good | Community Impact Report | Cancer Services

Community Partner Highlight: Cancer Services

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Blog
Dow Credit Union | Multipliers for Good | Community Impact Report | Money on the Move

Community Financial Literacy: Money on the Move

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Blog
Dow Credit Union | Multipliers for Good | Community Impact Report | Bay Area Women's Center

Community Partner Highlight: Bay Area Women’s Center

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Blog
Dow Credit Union | Multipliers for Good | Community Impact Report | Hidden Harvest

Community Partner Highlight: Hunger Solution Center

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Read More News

 

 

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