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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

Humane Society Luncheon Earns Support from Dow Credit Union

July 11, 2023

MIDLAND - The Humane Society of Midland County hosted a "Paws for a Cause Luncheon," presented by Dow Credit Union on July 11 at the Holiday Inn, raising both awareness and funds for its many programs.

 

The Humane Society of Midland County is the only non-profit animal shelter in the area, established with the mission of finding forever homes for abused, unwanted, or abandoned animals. Their fundraising event attracted the support of numerous organizations, including local financial institutions, car dealerships and other businesses.

 

"I could never quantify the positive impact my dog has had on my life, nor any one of our cats; then I see the number of cats and dogs the humane society has rescued and paired with their forever homes in the past decade," Brandon Kathman, a communications specialist with Dow Credit Union, said. "An average of 2,000 each year, I can't even begin to wrap my mind around that."

 

The Humane Society of Midland County has worked to place over 27,000 cats and dogs since 2011, averaging around 2,000 adoptions each year. The shelter refuses to euthanize animals admitted with treatable medical conditions and recently made headlines for taking in several dogs seized from abusive "puppy mills."

 

The nonprofit also hosts the Pet Pantry Network for owners struggling to feed their animals. Additionally, they conduct spay/neuter programs to limit feral cat populations in Midland County, which might otherwise decimate local ecosystems.

 

The Humane Society of Midland County is not supported by any dedicated governmental funding nor do they receive resources from other humane organizations or any national animal rescues.  The shelter depends on special events like the luncheon to sustain its operations, along with adoption fees, private donations and grants.  

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Careers

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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