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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

CU in the Community: A Review of “Holst’s The Planets, Live in Motion”

October 07, 2023


By Brandon Kathman, Program Specialist


It seems to me there are two breeds of contemporary composers: those who cite Gustav Holst as an influence or inspiration, and those besieged with copyright lawsuits from his foundation. To parlay an analogy from Terry Pratchett, Holst’s Planets suite has become a mountain of sorts, its presence evident in modern compositions as Mt. Fuji appears in Japanese art. At times it looms large; in other instances, it is distant and subtle. On rare occasions, it is not visible at all, suggesting the artist either made a deliberate decision against the mountain (which is itself fascinating) or is in fact standing atop Mt. Fuji. 


I cannot understate the privilege of finally experiencing The Planets in concert. All commendations are due to the consummate Maestro Fouad Fakhouri and his exceptional ensemble. The evening was emotional, breathtaking, and altogether cosmic: a faithful performance of an indelible composition. A series of movements characterizing the planets as their mythic namesakes, the suite is equal parts mellifluous and thundering, bombastic and subdued - audacious in its juxtapositions. One may tremble at the martial beats of Mars, Bringer of War only to be soothed by the strings of Venus, Bringer of Peace.


Holst’s brilliance may be self-evident, but faithful execution is itself a triumph. When performed by masterful musicians, such as I experienced, Jupiter, Bringer of Jollity frolics with grace and abandon as a dancer; Mars pummels with raw force as a boxer. The gods’ dominions, represented by the epitomes of respective arts, are thereby translated to the medium of music.  


Speaking of mediums, I must also praise the decision to employ a visual complement throughout, as the orchestra projected authentic NASA footage onto a screen behind the performers. Venus glittered, Neptune enchanted, Jupiter made dwarves of the rest. In making this choice, the SBSO married astronomy and divinity - art and science. The footage’s use was not only thematic; it elevated the source material. When Holst wrote the suite, the most compelling footage of “space” may have been the plaster artifices in Melies’ Trip to the Moon (1902). As Holst could hardly imagine the celestial wonders on display in this weekend’s performance, I can scarcely conceive what visuals may accompany a similar concert a century from now. 


Also worthy of mention was the concert’s opening act, which included samples from the scores of popular space-themed films. The preceding selection served to showcase Holst’s progeny: “Flying Theme” from ET (1982) and “Theme from Close Encounters of the Third Kind” (1977’s Close Encounters of the Third Kind). By their inclusion, the orchestra makes clear the divine lineage of these “children of the gods.”  


I am heartened to share that I was far from alone in the Temple Theatre on Saturday night. I saw colleagues, couples, families with young children, and an especially zealous group of SVSU music majors. I am thrilled to have shared my experience with such a diverse crowd from our community. I look forward to the next concerts the SBSO has in store for all of us this season, and I am happy to share that sentiment with good company. 





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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.



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