Contact
Email is acceptable for general inquiries and submitting most completed documents. For account specific information without an attached document, please use Online Banking, Mobile Banking, or contact us via phone or in person.
Note: In order to maintain the security of your private information, we utilize an email solution that encrypts and protects our responses to you.
Phone
| Main | M-F: 7:00 a.m. - 6:00 p.m. ET | 989.835.7794 or 800.835.7794 |
| YourRewards Hotline | 24/7 | 844.7REWARDS or 844.773.9273 |
| Lost or Stolen Visa® Debit/ATM Cards | 24/7 | 888.241.2510 or 909.941.1398 if from outside the U.S. |
| Lost or Stolen Visa Credit Cards | 24/7 | 866.820.4884 or 727.299.2449 if from outside the U.S. |
Schedule Appointment
Schedule an appointment for in-person Midland lobby services. You will receive an email confirmation with your appointment details including items and/or documents required to complete the requested service. A representative may contact you prior to your scheduled appointment for additional information.
Click here to learn more about Business Account appointments.
Dow Credit Union uses Microsoft Bookings for appointments. When scheduling an appointment, the domain will change to a Microsoft Office 365 web address.
Hours and Locations
Saginaw Branch
5420 Gratiot Rd, Saginaw, MI 48638
Lobby Hours:
Monday - Friday: 9:00 a.m. - 5:00 p.m. ET*
Drive Thru Hours:
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.
Holiday Hours (2025)
| Day | Date | Holiday Name | Hours |
|---|---|---|---|
| Wednesday | Jan 01 | New Year's Day (2025) | Closed |
| Saturday | Jan 18 | Martin Luther King Jr. Day Weekend | Closed |
| Monday | Jan 20 | Martin Luther King Jr. Day | Closed |
| Monday | Feb 17 | President's Day | Closed |
| Friday | Apr 18 | Good Friday | Closed |
| Saturday | Apr 19 | Easter Weekend | Closed |
| Saturday | May 24 | Memorial Day Weekend | Closed |
| Monday | May 26 | Memorial Day | Closed |
| Friday | Jul 04 | Independence Day | Closed |
| Saturday | Jul 05 | Independence Day Weekend | Closed |
| Saturday | Aug 30 | Labor Day Weekend | Closed |
| Monday | Sep 01 | Labor Day | Closed |
| Thursday | Nov 27 | Thanksgiving Day | Closed |
| Friday | Nov 28 | Day after Thanksgiving | Closed |
| Saturday | Nov 29 | Thanksgiving Weekend | Closed |
| Wednesday | Dec 24 | Christmas Eve | 7:30 a.m. - 12:00 p.m. ET (Saginaw Branch opens 9.00 a.m.) |
| Thursday | Dec 25 | Christmas Day | Closed |
| Wednesday | Dec 31 | New Year's Eve | 7:30 a.m. - 12:00 p.m. ET (Saginaw Branch opens 9.00 a.m.) |
| Thursday | Jan 1 | New Year's Day (2026) | Closed |
Dow Credit Union
P.O. Box 1649
Midland, Michigan 48641-1649