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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

Cash in on the region’s highest CD rates!

November 07, 2022

Rates as high as 4.28% APY2,3,4

If you’ve been considering opening a certificate of deposit (CD), there’s never been a better time!

We have the region’s best CD rates1 – currently as high as 4.28% APY2,3,4 – and the starting minimum deposit is just $500. In addition, most of our CDs qualify for our potential year-end Member Saver Reward, which is part of our Member Giveback4.

Whether you’re looking to put money away for 6 months or 60, we have CDs with terms, features and options tailored to suit a variety of budgets, asset levels and savings goals.

Learn more about our CD options and their benefits at dowcreditunion.org/savemore.


Want to maximize your returns but also gain periodic access to your funds? Consider starting a CD ladder! Divvying up your money and simultaneously establishing multiple CDs that will mature at different times is what’s known as a CD ladder. It lets you reap the benefits of longer-term CDs’ higher rates (APY2) while also not having all of your funds tied up in a single CD. As each CD matures, you can cash it out or reinvest it. You can find a complete listing of all of our CD types and terms at dowcreditunion.org/CD.


1Region is defined as Bay, Saginaw and Midland counties in Michigan. Comparison is made to typical, non-promotional CD rates at other financial institutions based within the region and is accurate as of 10/17/2022
2APY = annual percentage yield. For CDs, any advertised APY assumes principal and interest remain on deposit for the term of the certificate. Advertised APYs are subject to change. A penalty for early withdrawal may be imposed and could reduce earnings on a CD account, including reduction of principal. Starting minimum deposit for all Dow Credit Union CDs is $500.
3Advertised “as high as” APY is for a 36-month Simple CD and is accurate as of 11/7/2022.
4Our Simple CDs are not eligible for Member Giveback Rebates and Rewards. While Member Giveback 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. See dowcreditunion.org/giveback for details.


Open a CD with the region's best rates. Learn more at dowcreditunion.org/savemore






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