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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 (2023)

DayDateHoliday NameHours
Monday New Year's Day HolidayClosed
Monday Martin Luther King Jr. Day Closed
Monday President's Day Closed
FridayApr 07Good FridayClosed
Saturday Easter Weekend Closed
SaturdayMemorial Day WeekendClosed
Monday Memorial Day Closed
Tuesday Independence Day Closed
SaturdayLabor Day WeekendClosed
Monday Labor Day Closed
Thursday Thanksgiving Closed
Friday Day after Thanksgiving Closed
SaturdayThanksgiving WeekendClosed
FridayChristmas Holiday7:30 a.m. - 12:00 p.m. ET
SaturdayChristmas HolidayClosed
Monday Christmas Day Closed
FridayNew Year's Holiday7:30 a.m. - 12:00 p.m. ET
SaturdayNew Year's HolidayClosed
MondayNew Year's Day (2024)Closed

 


 

Featured News

Midland Branch Holds Neighboring Week Postcard Contest

September 25, 2023

MIDLAND - Dow Credit Union has announced a unique competition for local children during the Midland Area Community Foundation's Neighboring Week.
 
We invite any child who visits our credit union's headquarters at 600 E. Lyon Road in Midland to design their own postcard. Blank templates and complimentary packs of crayons will be available at the greeter's desk. We ask that entrants draw or color their favorite places in the community, then mail their pre-stamped and addressed creations back to us.
 
"Every national monument gets its own postcard, but we wanted to offer kids a chance to celebrate the community landmarks that are significant to them," Program Specialist Brandon Kathman said.
 
Participating youth should also include a brief note on the back of their postcard explaining what the location they have depicted means to them. Additional doodles from younger artists are also appreciated!
 
Our executive team will select three winners from among the designs postmarked before Oct. 6, which we will display on our digital jumbotron on Lyon Road. The competition is open to all interested youth, though templates are only available at the Midland branch.
 
"I believe this program embodies the aims of Neighboring Week," Kathman said. "It's 2023, and we dispatch online messages to the other side of the globe in seconds. Incredible though that is, there's something sacred about crafting a handmade card and sharing it within one's community."
 
According to the Midland Area Cultural Awareness Coalition, Neighboring Week is intended as a "catalyst for building a sense of belonging in Midland County." This year, dozens of other businesses, agencies, and nonprofits in the area are likewise expected to participate, hosting their own crafts, contests, and events. An event calendar is available at https://www.midlandfoundation.org/neighboringweek/#Events.
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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