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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



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



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.


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

Great Lakes Loons Earn $7,700 for Midland’s Open Door

October 30, 2022

MIDLAND – Our credit union recently presented Midland’s Open Door with a check for $7,700; this fulfilled our pledge to donate $100 to the charity for each of the home team’s victories in the 2022 Minor League Baseball season as part of the Loons Wins initiative. 


Thanks to the Loons’ exceptional series of wins, the local nonprofit enjoyed a veritable jackpot. According to CEO Michael Goad, the Loon’s Wins program is one our credit union is proud to support. Not only is the initiative a product of collaboration with our favorite team, but it also reflects many of our core values. 


“As multipliers for good, our desire to ‘give back’ applies both to banking and how we are here to help fulfill the basic needs within our community,” CEO Michael Goad said. 


 Midland’s Open Door is dedicated to delivering programs and services to the homeless, hungry, and otherwise afflicted in the community. In addition to a soup kitchen, which the nonprofit operates from Monday through Saturday each week, Open Door maintains two local shelters: one for men, the other for women and children. Furthermore, they offer case management, counseling, and a robust clothing ministry. 


“The Open Door provides assistance to over 1,500 of our Midland neighbors every year,” Renee Pettinger, executive director of Midland’s Open Door, said. “Community partners like the folks at Dow Credit Union make this possible.” 


During 2021, the organization provided a safe place for 271 men, women, and children to sleep; additionally, soup kitchen volunteers served 44,273 meals over the course of that year alone. These programs are all reliant on contributions from the community and the dedication of local volunteers to sustain its impact. For every dollar the organization receives, $.82 is invested directly in restorative and transformational programming. 


To learn more about Midland’s Open Door or ways to support the fulfillment of their mission, visit midlandopendoor.org/shelter or call (989) 835-2291. 





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