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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

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.

ATMs

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

Dow Credit Union Hosts Business After-Hours

June 26, 2023
MIDLAND - Our credit union was the proud host of a Business After-Hours event held in collaboration with the Midland Business Alliance for local professionals on the evening of June 21.
 
Professionals from across the local community of businesses gathered in our lobby, where they were treated to an open bar and refreshments catered by the Great Hall Banquet Center. Attendees also had the opportunity to try our "Dow-tini" signature cocktail.
 
"Thank you for your involvement with the MBA, and for coming out tonight," Dow Credit Union CEO Michael Goad told those in attendance. "Thank you also for being a part of what makes Midland such a great place to live."
 
While this was the first after-hours event hosted by Dow Credit Union, it boasted a rare turnout with over 100 guests. Our professionals had the opportunity to meet representatives from other financial institutions like the Members First and Health Advantage credit unions. Even executives from local nonprofits like the Legacy Center for Community Success were present.
 
As the warm summer evening drew to a conclusion, our guests left bearing beach bags stuffed with complimentary gifts. Several lucky winners even took home larger raffle items, including a Tommy Bahama beach chair.
 
"It was great to see so many local professionals from such a diverse pool of organizations," Ryan Carter, an MBA ambassador and Dow Credit Union business development specialist, said. "I think we are all proud to serve the same public: our community right here in Midland."
 
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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