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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

Dow Credit Union Sponsors Scouts' Merit Badge College

October 13, 2023


UNIVERSITY CENTER - Dow Credit Union has announced it will once again sponsor Scouting's upcoming "Merit Badge College," an annual event that will bring thousands of youths from across the state to Delta College on Dec. 12. 


"We have been a proud supporter of our local Scouts for years," LaShanta Green, the credit union's director of community relations said. "We're excited to help facilitate their event, which will bring so many more young people and their families to our Great Lakes Bay Region."  


The Scouts will "take over" the college for the Saturday, using the classrooms to teach dozens of badges. Following a brief hiatus during the pandemic, the 2022 Merit Badge College attracted over 1,000 participants, with some traveling from as far afield as the Upper Peninsula and northern Ohio. According to Jake Straub, Scouting's local district director, even more attendees are expected this year. 


In anticipation of this, the Scouts recruited numerous qualified counselors to deliver a diverse selection of courses. 


"This is one of the premier events for Scouting in Michigan, and we'll deliver a wealth of knowledge for the youths," Straub said. 


In addition to sponsoring the event, our credit union will also provide counselors for the Personal Management merit badge, which promotes financial literacy and time management in young people. This badge has historically been among the event's most popular, as it is required for those seeking to attain Scouting's highest honor, the rank of Eagle Scout. 


"Many high school and even college graduates today say they were never taught about budgeting, saving, or investing," Green said. "That shouldn't be the case, and we want to ensure the next generation is ready for the world it will inherit." 


Our credit union has committed to investing in such programs for young people, with youth and education being twin pillars in our community investment strategy. This is also reflected in our operations, as we invite young people across the region to join our credit union with their first accounts and gain experience managing their own resources. 


“Being the presenting sponsor for the merit badge college gives us the unique opportunity to stress the importance of financial literacy to young people,” Ryan Carter, a business development specialist, said. “The event will be both fun and impactful, setting up those who attended for success.” 





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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