Let's Get Started!
Select an option below to begin your application.
Click Here to Check Your Application Status
Membership is open to everyone in Michigan—but no matter where you live, you can still become a member by making a $10 donation to our Multipliers for Good Fund.
Membership requires a $5.00 deposit into a prime savings account. Youth accounts can be opened with the assistance of a parent or legal guardian. If you are not subject to U.S. taxes and/or do not reside in the U.S., please contact us for assistance by calling 800.835.7794. To apply by mail, complete this form.
What do I get with my new membership?

Checking that Checks All the Boxes
Enjoy dividend earnings1 and easy access to connected services, including Online Banking, Mobile Banking, and Bill Pay, all at no cost. We tailor your experience to match your lifestyle, making it simple to handle everything from direct deposits to ATM transactions. Experience checking that checks all the boxes!
Learn More
Start Saving in your Prime Account
Your $5 or more deposit into your Prime Savings Account during the application process represents one share and your ownership in the credit union. As a member, you gain access to our full range of products and the opportunity to earn competitive dividends. Plus, this account qualifies for our Member Saver Reward.2
Learn More
Spending is Better with a Visa® Debit Card
Simplify your finances with our all-in-one Visa® Debit Card. Make purchases anywhere Visa® is accepted, with direct deductions from your checking account. Enjoy zero fraud liability, 24/7 fraud monitoring, contactless payments, and no annual or international transaction fees. Plus, you can also use it as an ATM card.
Financial Success is For Everyone
- Dividends on share accounts are prospective and therefore are not guaranteed. The prospective dividends are declared by Dow Credit Union's Board of Directors.
- 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.