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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

United Ways Multiply Good in Bay Region

October 31, 2023

BAY REGION – Dow Credit Union professionals have officially launched a 2023 fundraising campaign in support of the United Way, a weeks-long drive that will conclude on Nov. 13, 2023. 


Local United Ways span the nation, empowering area nonprofits and addressing specific community needs. Within the tri-county area, three legally distinct institutions minister to a respective network of charities, guided by the international United Way’s universal principles. Last year, our team raised more than $10,000 for the United Ways of Midland, Saginaw, and Bay Counties, which they distributed to reputable charities affecting meaningful change in our communities.  


Further underscoring their alignment with our credit union’s values, United Ways have issued grants to several of Dow Credit Union’s community partners. Here are just three examples! 


The Legacy Center for Community Success 


One such beneficiary, Midland’s Legacy Center for Community Success, is committed to the physical, mental, and emotional wellness of local young people. They are best known for their afterschool tutoring programs, though they also champion substance abuse prevention programs. Additionally, they facilitate educational courses for youth-serving professionals across the region.  


This month, our credit union partnered with the Legacy Center and Links Inc. To install a “Positivity Bench” outside of the Legacy Center’s new facility on Abbott Road. Equal parts practical and profound, the installation demonstrates a community-wide commitment to creating safe spaces for our children. To learn more, check out the full story


Hidden Harvest 


Based in Saginaw, Hidden Harvest has distributed more than 40 million pounds since its inception in 1994, utilizing a network of 180 hunger relief agencies. Their operations have expanded across the Great Lakes Bay Region over the years. The nonprofit is primarily a food rescue program, specializing in prepared and perishable goods, which are often healthier options than nonperishables. However, storing and distributing these foods can pose logistical barriers beyond the means of conventional food banks. 


The United Ways of Midland and Saginaw Counties are proud investors in Hidden Harvest, as are we. As the beneficiary of this year’s Loons Wins program, Hidden Harvest received a check from us for $7,700 last week - $100 for each of the minor league team’s victories in 2023. To learn more, check out the full story


Midland County Habitat for Humanity 


Midland County Habitat for Humanity is dedicated to improving housing conditions in the area “through constructing, rehabilitating, and preserving homes.” They advocate for just housing policies and provide resources to help families improve their shelter conditions.  


This summer, Dow Credit Union partnered with Midland County Habitat for Humanity to help seven households that qualified for the Federal Home Loan Bank of Indianapolis’ Neighborhood Impact Program, which assists low to moderate-income homeowners with critical home repairs. The nonprofit’s homeowner services manager, Katty Owens, worked with professionals in our credit union's mortgage department on grant applications for each of the households. Department manager Kris Brozzo and loan officers Nicole Reece, Lisa Hartley, and Sean Haney submitted detailed proposals outlining the eight qualifying homeowners’ specific circumstances. The joint effort earned $60,000 for the families in need. To learn more, check out the full story





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