About Our Saginaw Location
Since opening in 2023, our Saginaw branch (the 2nd in Dow Credit Union’s history) quickly surpassed $20 million in deposits and welcomed over 500 new members in the first year—a testament to the trust and confidence of our community. As Multipliers for Good, we’re more than a financial institution; we care about enriching lives, empowering financial success, and helping build a stronger, more vibrant Saginaw.
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From opening accounts to loans, our friendly staff creates the ultimate member experience.
Benefit from lending solutions with competitive rates and flexible terms.
Get your documents notarized quickly by visiting us in person.
Stay the course with sound retirement and investment planning services.
Tap into convenience with our onsite ATM, available 24/7.
Secure your valuables with safe deposit boxes for peace of mind and protection.
Become a Member
Membership Open to All
Member-owners of Dow Credit Union take pride in:
- $0 NSF fees (no, that’s not a typo)
- Being the largest and fastest growing credit union*
- Achieving national recognition from the Wall Street Journal and Newsweek
- Delivering the best deposit rates of any credit union*
- Giving back over $300 million to members since 1980**
- Supporting communities as Multipliers for Good
Join our network of over 83,000 members across all 50 states and 40 countries!
*Based in the Great Lakes Bay Region. **While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply.
Join and Save with a Great Rate
Save time and lock in a great rate by applying for a variety of funding options at the same time as your membership, including:
Ask us how to gain exclusive rate discounts by moving your direct deposit!
*While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan products are eligible for Member Giveback consideration. Some limitations apply. All loans subject to approval.
5420 Gratiot Rd
Saginaw, Michigan
About Us
Dow Credit Union is a not-for-profit financial institution owned by its members and dedicated to being a multiplier for good. Headquartered in Midland, Michigan, and serving members nationwide, the credit union has $2.5 billion in assets and over 83,000 members across all 50 states and in 40 countries. Recognized as one of America’s Best Regional Banks and Credit Unions for 2025 by Newsweek and multiple times by America’s Credit Unions for top performance in saving members money, Dow Credit Union is celebrated for its exceptional member value, community impact, and industry-leading rates. Its longstanding reputation for excellence has also been acknowledged by Investopedia and Business Insider for offering some of the nation’s most competitive CD rates. Dow Credit Union members enjoy lower rates on loans, higher rates on deposits, and convenient anywhere banking backed by advanced security and protection, safeguarding our members’ data and privacy.