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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.

Note: In order to maintain the security of your private information, we utilize an email solution that encrypts and protects our responses to you.

More Info



MainM-F: 7:00 a.m. - 6:00 p.m. ET989.835.7794 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 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.

    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 (2024)

    DayDateHoliday NameHours
    MondayNew Year's Day HolidayClosed
    SaturdayJan 13Martin Luther King Jr. Day WeekendClosed
    MondayMartin Luther King Jr. Day Closed
    MondayPresident's Day Closed
    FridayMar 29Good FridayClosed
    SaturdayEaster Weekend Closed
    SaturdayMemorial Day WeekendClosed
    MondayMemorial Day Closed
    Thursday Independence Day Closed
    SaturdayAug 31Labor Day WeekendClosed
    MondayLabor Day Closed
    ThursdayThanksgiving Closed
    FridayDay after Thanksgiving Closed
    SaturdayThanksgiving WeekendClosed
    TuesdayChristmas Eve7:30 a.m. - 12:00 p.m. ET
    WednesdayChristmas DayClosed
    TuesdayNew Year's Eve7:30 a.m. - 12:00 p.m. ET
    WednesdayJan 01New Year's Day (2025)Closed



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