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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

Grand Opening Festivities Held at Saginaw Branch

September 29, 2023


SAGINAW - Dow Credit Union hosted a week of festivities and giveaways at our new building in Saginaw Township from Sept. 25-29; for the first time in an 86-year history, we are serving our members through two branches.  


“As a member of the community outreach team, I was at the new branch all week,” Program Coordinator Walt Hall said. “This has been years in the making, and so many people came together to make it happen.” 


With updates to the building at 5420 Gratiot Rd. completed, we welcomed the community to experience the space, learn more about our services, and celebrate new opportunities. Each day in our Grand Opening Week had its own theme and unique giveaways for the public.


  • Monday, September 25: "Hometown Heroes" day honored those who served, both military and first responders. Cookies from All About Chocolate & More were served.

  •   Tuesday, September 26: "Taco Tuesday" featured free tacos and churros from Maria's Tacos food truck between 11:00 a.m. and 1:00 p.m.  

  • Wednesday, September 27: "Scoop up the Savings" was held from 1:00 p.m. - 4:00 p.m.; each visitor enjoyed their own bowl of Great Lakes ice cream.  

  • Thursday, September 28: Leaman’s Green Applebarn Cider Donuts and Biggby Coffee were provided from 10:00 a.m. - 12:00 p.m. during "Brunch at the Branch."  

  • Friday, September 29: The branch hosted "Franks on Friday from 11:00 a.m. - 1:00 p.m., during which guests received a lunch platter of All-American hot dogs and chips from Riverside Family Restaurant.  


Over 300 people visited the branch over the course of the week; moreover, we processed dozens of new members. 


“The grand opening was a great opportunity to bring a variety of people in the community together,” Emily Migut, manager of the Saginaw branch, said. “I truly enjoyed watching people enjoying each other's company and listening to the laughter.” 







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