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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

Habitat for Humanity and Dow Credit Union Secure $60k for Homeowners in Need

July 11, 2023
MIDLAND - Dow Credit Union and Midland County Habitat for Humanity have secured almost $60,000 in grants on behalf of eight local homeowners through collaborative efforts.
"Every time we partner with Habitat for Humanity, we accomplish great things together," Dow Credit Union CEO Michael Goad said. "With that said, this has been one of our most impactful projects yet."
The grants were issued by the Federal Home Loan Bank of Indianapolis, of which Dow Credit Union is a member. Under the Federal Home Loan Bank Act, institutions like the FHLBI are asked to help "meet the credit needs of communities in which they do business," resulting in numerous financial assistance programs for the public. The FHLBI utilizes its more localized member institutions to source potential beneficiaries and apply for support on their behalf.
Midland County Habitat for Humanity identified seven households that qualified for the FHLBI’s Neighborhood Impact Program, which assists low to moderate-income homeowners with critical home repairs. Several applied to receive new roofs, which have grown increasingly costly in recent years. They also identified a candidate who qualified for the Accessibility Modification Program, a grant that funds renovations to better accommodate a homeowner's unique physical needs. Applicants for either fund must meet specific income requirements and may receive a maximum of $10,000, depending on the work proposed.
“Oftentimes homeowners are overwhelmed with the thought of hiring a contractor, do not have the knowledge to fix the needed repairs on their own, or simply cannot afford the repair,” Jennifer Chappel, president of Midland County Habitat for Humanity, said. “We firmly believe everyone has the right to safe, decent, affordable housing and are thankful for community partners like Dow Credit Union that work to improve housing in our community.”
In May, Midland County Habitat for Humanity’s homeowner services manager, Katty Owens, worked with the professionals in the credit union's mortgage department on the applications. Department manager Kris Brozzo and loan officers Nicole Reece, Lisa Hartley and Sean Haney submitted detailed proposals outlining the eight qualifying homeowners’ specific circumstances. The applications were then reviewed by the FHLBI.
"It was a pleasure to work together with Midland County Habitat for Humanity and submit the grant applications," Brozzo said. "Seeing how our efforts are making such an immediate and positive difference in our community is very rewarding."
With the final grant approved as of June 30, the various projects will commence this month and are projected to conclude by the end of August. On completion, Dow Credit Union will be required to inspect the work and report project success back to the FHLBI.
"Giving your time is often more meaningful than simply writing a check, and we were glad to pledge ours in support of eight deserving homeowners," Goad said.




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