Why Dow Credit Union?
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80,000+ Members Strong
Join the largest and fastest growing Credit Union in the region.
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Peace of Mind
Deposits are insured up to $250,000 (per account) by the NCUA.
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Award-Winning Excellence
Nationally recognized by The Wall Street Journal and Newsweek.
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Exceptional Care
A trusted partner that cares about your success.
Explore What Matters Most to You
Services and Tools You Can Rely On
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Always Earn
Earn interest or dividends on every account.
24/7 Access
Manage accounts, get alerts, pay bills, & make deposits on the go.
No Hidden Fees
No NSF Fees and no transaction fees.
Services
Domestic wires, money orders, official checks, coin machines, & ATMs.
Business Deposit Accounts
Available Deposit Accounts |
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| Business Prime Share Savings (Minimum balance of $5.00 represents one share and your ownership in the credit union) |
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| Business Checking (Visa Debit Cards require a checking account.) |
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| Business Secondary Savings | ||||
| Business Premium High Yield Savings | ||||
| Business Simple High Yield Savings | ||||
| Business Simple Certificates of Deposit | ||||
| Business Standard Certificates of Deposit |
Business Checking that Checks All the Boxes
No hidden fees, no NSF fees, no transaction fees—and no minimum deposit or balance required. Dow Credit Union’s Business Checking account is built to keep things simple, smart, and stress-free, so you can focus on running your business. With secure, reliable access to your funds, you get the peace of mind and flexibility you need to move your business forward.
Use your Visa® Debit Card to withdraw cash at over 30,000 Surcharge-Free ATMs throughout the U.S.!
Plus, make purchases everywhere Visa® is accepted.
Business Lending Solutions
Available Lending Solutions |
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| Business Term Loans (New and used: auto, equipment, furniture, fixtures, and other tangible assets) |
| Business Commercial Real Estate (Commercial/industrial/retail real estate, owner-occupied commercial real estate, residential real estate, hotels, restaurants, schools, and churches) |
| Business Secured Line of Credit |
| Business Low-Rate Visa Credit Card - COMING SOON |
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Real Estate Loans
Our Commercial Real Estate Loans are designed to help you purchase commercial property, renovate income-producing properties, or refinance real estate.
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Equipment Loans
Our Equipment Loans provide the working capital you need to invest in tools, technology, or machinery—so you can grow with confidence and keep operations running.
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Vehicle Loans
Our Auto Loans make it easy to purchase cars, vans, or light trucks needed to support daily operations and keep your business rolling.
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Secured LOC
Our Business Secured Line of Credit can help manage cash flow, cover unexpected costs, or seize opportunities. Access funds as needed, pay interest on what you use, and reuse credit as you repay.
Need funds for something else?
We're here to talk.
Select your business type below to learn eligibility requirements, get applications, and more!
Have a different type of business?
Call us at 989.835.7794 or 800.835.7794.
Ready to Apply or Have Questions?
Schedule an appointment to finalize your application or contact us.
[email protected]
989.835.7794 or 800.835.7794
Membership Requirements
A business or other entity that is not a natural person may qualify for Credit Union Membership if it meets one or more of the following criteria:
A: Registration on file with the Michigan Department of Licensing and Regulatory Affairs (LARA) & Presence in Michigan:
- It must maintain a physical location in Michigan (a P.O. Box is not a physical location).
B: Sole Proprietorships
- The business owner must be a Michigan resident.
- The business must be registered with at least one Michigan County.
While the Member Saver Reward occurs with great regularity, this credit union benefit is not guaranteed. The Member Saver Reward benefit is determined by the Dow Credit Union Board of Directors and is paid out on January 1st to the Prime Savings Account as a lump sum deposit based on earnings from eligible deposit products