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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

Scouts Partner with Dow Credit Union to Promote Financial Education

November 16, 2023

MIDLAND - Dow Credit Union has partnered with Scouting's local Heartland, Ojibway, and Shoreline Districts to sponsor the Personal Management merit badge, which teaches basic money management skills. 


"Many high school and even college graduates today say they were never taught about budgeting, saving or investing," LaShanta Green, director of community relations for Dow Credit Union said. "That shouldn't be the case, and our community team is committed to investing our time and resources to ready the next generation for success. " 


Dow Credit Union professionals will serve as counselors for the Personal Management merit badge in a series of online classes as well as in-person at the upcoming "Merit Badge College" at Delta College. The virtual courses are open to all Scouts ages 11-17 in the state of Michigan. District Director Jake Straub of the Michigan Crossroads Council believes that hundreds more will register for the courses at Merit Badge College. 


"Dow Credit Union has been an incredible friend to local Scouting over the years," Straub said. "We are so grateful for their continued investments of time and resources for the boys and girls in our troops." 


According to the Boy Scouts of America, the Personal Management badge involves" mapping a plan for your life that will involve setting short-range and long-range goals and investigating different ways to reach those goals." The badge's curriculum covers concepts like investments, loans, and insurance. Furthermore, it tasks youth with maintaining a schedule and a personal budget for 13 consecutive weeks. 


"We're working with the Scouts to make this program as experiential and engaging as possible," Green said. "Our goal is to create a money-mindset experience that is impactful and memorable." 


Green explained that the credit union will work to ensure the classes are comprehensive and relatable with multimedia presentations and real-world examples. Personal Management is one of 13 merit badges required for youth aspiring to attain the rank of Eagle Scout, Scouting's highest honor, before they "age out" at 18. 


"I think a lot of kids put off the Personal Management merit badge until the last minute," Joshua Smith, 16, a Life Scout, said. "It's kind of ironic when you think about it." 





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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