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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: Positivity Bench Provides Safe Space at Legacy Center

October 09, 2023


By Brandon Kathman


MIDLAND - I joined representatives from the Tri-Cities Chapter of The Links Inc. as they unveiled a hand-painted “Positivity Bench” at the Legacy Center for Community Success on Oct. 9, CUKind Day. This is the second in a series of installations in the Great Lakes Bay Region that they have dubbed the Neighborhood Bench Project. 


“When a person sits on one of our Positivity benches, they invite new relationships, a signal for assistance, a time to chat, or find a space to self-reflect, meditate, or quiet time to read,” The Links shared. 


The bench is bright, cheerful, and inviting, emblazoned with positive messages of affirmation. It charges a viewer to “own your story” and “love yourself.” The bench is more than art with purpose, as it was described by a local publication; it is art with utility. I share in The Links’ belief that placing the Positivity Bench at the Legacy Center's new headquarters on Abbott Road will have a significant impact on friendship, kindness, and self-care throughout the neighboring community.  


Professionally and as a volunteer, I have worked with hundreds of youths in the aftermath of COVID-19. The socialization deficit is alarming, especially in urban and suburban communities. Young people can struggle with teamwork after years of remote learning and solo play. It is my sincere hope that youth who see and use the bench will be inspired not only to “own” their stories, ideas, and aspirations, but to share them with one another.  


Sponsored by Dow Credit Union, the initiative was also funded through a grant from the Michigan Art & Culture Council. I must also wholeheartedly commend the artistry and craftsmanship of the designers with Parker Lane Art & Design Studio (@parkerlane.art), along with Creative 360 (becreative360.org). 


The Links is one of the nation’s most prolific civic groups, comprised of dedicated women working to promote and ensure the welfare of African Americans and those of African descent. Its Tri-Cities Chapter serves the community through educational, civic, and inter-cultural activities. 


“I feel blessed and fortunate to meet people from around the region who have committed themselves to making the community better,” Links President Algeria Morris-Sowah told us during the dedication ceremony. “I’m a mom who raised her kids without family... so community was very important to me. As a mom, seeing something like the bench would help me feel all the more comfortable.” 


Our credit union is likewise a proud partner of The Legacy Center for Community Success, which provides after-school tutoring for young people in Midland County. Their nonprofit also champions community-based youth substance use prevention, working to foster positive norms for young people. Having observed their work for some time, I know the Legacy Center not only accomplishes wonderful achievements within its walls; it inspires greatness in other youth-serving nonprofits across the Great Lakes Bay Region. 


“A bench that’s going to remind them that they’re enough, that they’ve got this, what a better fit than to be here?” Kathryn Tate, executive director of the Legacy Center, said. 





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.



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