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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

Midland's Best Credit Union Wins Again

October 23, 2023

MIDLAND - The readers of the Midland Daily News once again elected our credit union as the best in Midland. 


Each year, the publication polls its audience to determine the most favored businesses in the region. Midlanders show support for everything from all-you-can-eat buffets to oil changes, celebrating the professionals who have earned their trust as well as their patronage. This is far from our first victory in the credit union category, having earned the electorate’s support for eight of the past nine years. 


“What sets us apart is not just effort, but achievement,” CEO Michael Goad said. “We strive, and we succeed. Our savings rates tower over the averages across the industry.” 


Goad explained that Midlanders know our credit union as their best choice to maximize earnings. As of October, our certificates of deposit remained unmatched in the Great Lakes Bay Region. According to NerdWallet, our high-yield savings accounts bested the national average by a factor of seven. 


The annual Member Giveback program has also fostered goodwill in the community. Our credit union has shared its earnings with members in good standing at the conclusion of every fiscal year since 1980, awarding $14 million in 2022 alone. 


Community Relations Director LaShanta Green added that our credit union’s commitment to being a multiplier for good in the community also likely played a role. Avid readers of the Midland Daily News encountered such headlines as “Dow Credit Union awards $15k in scholarships,” “Midland County Habitat for Humanity, Dow Credit Union help homeowners in need,” and “Open Door receives donation from Dow Credit Union” in the past few months alone. 


While Dow Credit Union also launched a second location in Saginaw this year, Green reiterated our commitment to providing the same award-worthy products and service to members in both counties. 


“We want express gratitude to all of our members for the vote of confidence,” Green said. “We are only the best credit union in the Great Lakes Bay region thanks to the trust and support of our membership.” 





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