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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

Contactless debit cards are coming

November 14, 2022


Activate your new debit card as soon as possible to allow time to update any recurring payments you may have set up.



Please note we have extended the deactivation dates due to shipping delays

  • Old cards will deactivate on 03/07/2023 for contactless cards activated before 01/03/2023 
  • Old cards will deactivate on 03/07/2023 for contactless cards activated after 01/03/2023 


Note: HSA debit cards are getting replaced with contactless cards no later than March 2023


Call to activate your new card:

  • From your home/primary phone number on file, call 866.762.0558 (within the U.S.) or 800.466.0040 (outside the U.S.).

Set up your new PIN:

  • If you're in the U.S., follow the instructions listed on the card or receive your PIN by mail within the next few days.
  • If you're outside the U.S., wait to receive your PIN by mail within the next few days. 

Update any automatic payments using the old card to the new card to avoid declined transactions, late payments, and fees:

  • Mobile and digital wallets
  • Automatic payments
  • Stored payment details with online merchants and service providers

Protect your card

  • Shred the old card for identity protection
  • Please sign the back panel of your card immediately.
  • Do not write your PIN on your card.
  • Never carry a copy of your PIN with your card.



Frequently Asked Questions


Why am I receiving a card with Dow Chemical Employees' Credit Union on it instead of the new name, Dow Credit Union?


We will replace cards with the new name and branding once we deplete our existing card stock. Once activated, this card will be functional, regardless of the name, until its expiration date.


Why haven't I received a new, contactless card? 


Cards are arriving later than expected due to shipping delays. 


If you have not received your new contactless card by 02/01/2023, please send a message in online banking or call 1.800.835.7794.


Why did I receive a separate mailer with a PIN? 


PINs were mailed out separately from the new contactless cards for security reasons. No further action is needed if you activated your card before the PIN arrived. 







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