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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 Sponsors Breakfast for Local Scouts

September 18, 2023
MIDLAND - The Boy Scouts of America's Michigan Crossroads Council will hold its annual Great Lakes Bay Region Breakfast in the Great Hall on Sept. 21, honoring local community leaders and raising funds to expand its programs in the Great Lakes Bay Region.
 
Presented by Dow, the event will raise money exclusively to support Scouting's local youth programs. Our credit union has committed to invest in boys and girls across the region as the breakfast's "Eagle-level sponsor."
 
"We have set some very ambitious goals this year, and Dow Credit Union's support for the breakfast will help us realize them," Jake Straub, Scouting's district director in Mid-Michigan, said. "We're planning to introduce 1,000 new youth to the Scouting experience before the end of the year."
 
Straub explained that their strategic vision includes serving more rural and low-income communities. Many of these families may require additional support to access all of the opportunities Scouting has to offer, necessitating additional funds for the movement's already extensive financial assistance programs.
 
"Functions like these are essential for securing the necessary resources to keep our programs both exceptional and accessible," Eric Curtis, a senior development director with the council, said. "Through the community's support for our breakfast, we are able to ensure that cost is never a barrier for its youth."
 
This year, the breakfast will also honor two accomplished community leaders with the Distinguished Citizen Award. Event organizers selected Craig Goslin, president of the Saginaw Spirit, and Peter Shaheen of Shaheen Development for their extensive support of youth programs in the Great Lakes Bay Region.
 
"The Scouts deliver some amazing opportunities for our kids here in Midland," LaShanta Green, Dow Credit Union's director of community relations, said. "We are proud to assist them in removing barriers to the Scouting experience."
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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