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 Saturday: 9:00 a.m. - 1:00 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
Midland Branch
Lobby Hours:
Monday - Friday: 7:30 a.m. - 5:30 p.m. ET*
Drive Thru Hours:
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.
** Drive Thru ATM available 24-hours every day and on weekends.
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 (2025-2026)
| Day | Date | Holiday | Hours |
|---|---|---|---|
| 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 |
| Saturday | Jan 17 | Martin Luther King Jr. Day Weekend | Closed |
| Monday | Jan 19 | Martin Luther King Jr. Day | Closed |
| Monday | Feb 16 | President's Day (Inservice Day) | Closed |
| Friday | Apr 3 | Good Friday | Closed |
| Saturday | Apr 4 | Easter Weekend | Closed |
| Saturday | May 23 | Memorial Day Weekend | Closed |
| Monday | May 25 | Memorial Day | Closed |
| Friday | July 3 | Independence Day | Closed |
| Saturday | July 4 | Independence Day Weekend | Closed |
| Saturday | Sep 5 | Labor Day Weekend | Closed |
| Monday | Sep 7 | Labor Day | Closed |
| Thursday | Nov 26 | Thanksgiving Day | Closed |
| Friday | Nov 27 | Day after Thanksgiving | Closed |
| Saturday | Nov 28 | Thanksgiving Weekend | Closed |
| Thursday | Dec 24 | Christmas Eve | 7:30 a.m. - 12:00 p.m. ET (Saginaw Branch opens 9.00 a.m.) |
| Friday | Dec 25 | Christmas Day | Closed |
| Saturday | Dec 26 | Christmas Weekend | Closed |
| Thursday | Dec 31 | New Year's Eve | 7:30 a.m. - 12:00 p.m. ET (Saginaw Branch opens 9.00 a.m.) |
| Friday | Jan 1 | New Year's Day (2027) | Closed |
| Saturday | Jan 2 | New Year's Weekend | Closed |
Dow Credit Union
P.O. Box 1649
Midland, Michigan 48641-1649