My project (1)

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

When is a child ready for an account of their own? Part I

October 05, 2023

By Brandon Kathman, Communications Specialist


School did not prepare me to handle money in the real world, and I'm in good company. Almost 90% of adults say they graduated ill-equipped to manage their own resources, and reforming our schools' approach to financial education has come slowly. For better or worse, these skills must still be taught in the home.


I believe in experiential learning, and financial responsibility is predicated on firsthand experience managing personal wealth. If squirreling cash under the mattress is ill-advised, handing children piggy banks hardly seems productive. We manage our wealth in the digital space, and financial institutions reward us for doing so. Accounts are tools, and we should teach kids how to use them. It's best to introduce them to the functions of different accounts in stages, but age is not always the best indicator of readiness. With financial literacy being as fundamental to success as reading comprehension, I've provided some benchmarks in functional literacy for context.


Savings Accounts: The Magic Treehouse Stage

I recommend opening a child's first savings account just after they've learned to read. If they can tackle a Magic Treehouse book, they're probably ready.


Saving is the foundation of responsible money management and a keystone to lifelong wellness. It's a concept so simple that even young kids can grasp it, yet so fundamental that it's a prerequisite for all other lessons. Without comprehending its importance, a child will only think of the here and now. Should you hand them $20, they will immediately seek products costing no more than $20.


Start by talking with them about goals. With an objective in mind, they will realize their allowance might only buy a single video game; however, a year's worth of allowances and birthday money (coupled with a favorable interest rate) could buy an entire gaming system. A high-yield savings account is an obvious choice, as paid interest will be noticeable to the child over time. Having their balance and other data available at the push of a button is incredibly useful, though funds still must be withdrawn before they can be spent. Of course, bear in mind that an adult in their life will always need to be attached to the account.


As seen in Youth Connections' October 2023 edition






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