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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.

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More Info



MainM-F: 7:00 a.m. - 6:00 p.m. ET989.835.7794 or 800.835.7794
1Call24/7989.835.7794 or 800.835.7794
YourRewards Hotline24/7844.7REWARDS or 844.773.9273
Lost or Stolen Visa® Debit/ATM Cards24/7888.241.2510 or 909.941.1398 if from outside the U.S.
Lost or Stolen Visa Credit Cards24/7866.820.4884 or 727.299.2449 if from outside the U.S.

Schedule Appointment

Schedule an appointment for in-person lobby services. Currently, we are accepting appointments for limited lobby services. Contact Dow Credit Union for more details at 989.835.7794 or 800.835.7794

  • Only the essential people required to complete the service will be able to enter the building.
  • 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.

Dow Credit Union uses Microsoft Bookings for appointments. When scheduling an appointment, the domain will change to Microsoft Office 365 domain.

Schedule Appointment

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 (2023)

DayDateHoliday NameHours
Monday New Year's Day HolidayClosed
Monday Martin Luther King Jr. Day Closed
Monday President's Day Closed
FridayApr 07Good FridayClosed
Saturday Easter Weekend Closed
SaturdayMemorial Day WeekendClosed
Monday Memorial Day Closed
Tuesday Independence Day Closed
SaturdayLabor Day WeekendClosed
Monday Labor Day Closed
Thursday Thanksgiving Closed
Friday Day after Thanksgiving Closed
SaturdayThanksgiving WeekendClosed
FridayChristmas HolidayMidland: 7:30 a.m. - 12:00 p.m. ET
Saginaw: 9:00 a.m. - 12:00 p.m. ET
SaturdayChristmas HolidayClosed
Monday Christmas Day Closed
FridayNew Year's HolidayMidland: 7:30 a.m. - 12:00 p.m. ET
Saginaw: 9:00 a.m. - 12:00 p.m. ET
SaturdayNew Year's HolidayClosed
MondayNew Year's Day (2024)Closed


Dow Credit Union
P.O. Box 1649
Midland, Michigan 48641-1649