Become a member of Dow Credit Union.

Membership is Open to All

People love Dow Credit Union for our competitive rates, lower fees, personalized service, and commitment to giving back. We help members achieve their financial goals while making a meaningful impact in the communities we call home.

Newsweek has recognized Dow Credit Union as one of America’s Best Regional Banks and Credit Unions for 2025

Join One of the Nation’s Best

Newsweek named Dow Credit Union one of America’s Best Credit Unions for 2025! With competitive rates, low fees, and a commitment to giving back, everything we do is driven by and for our members.
Dow Credit Union | Enjoy $0 NSF Fees

Enjoy $0 NSF Fees

As a member-owner, you never have to worry about an NSF fee – that’s right, we have $0 non-sufficient fund (NSF) fees! Eliminating NSF fees creates a more inclusive and equitable financial future. We understand that life happens, but NSF fees don’t have to. 

Dow Credit Union | Grow Your Money with Great Deposit Rates

Grow Your Money with Great Deposit Rates

As one of the top credit unions in the region for deposit rates, our competitive CD rates have been recognized by the Wall Street Journal, Investopedia, and Business Insider. 

Let's Get Started!

Select an option below to begin your application.

Join Dow Credit Union | Get a Dow Credit Union Personal Loan
Join Dow Credit Union | Get a Dow Credit Union Youth Account
Join Dow Credit Union | Get a Dow Credit Union Automotive Loan
Join Dow Credit Union | Get a Dow Credit Union Recreational Vehicle Loan
Join Dow Credit Union | Get a Dow Credit Union Visa Credit Card
Join Dow Credit Union

 

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?

Dow Credit Union Checking

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!

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Dow Credit Union Savings

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

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Dow Credit Union Debit Card

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.

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Financial Success is For Everyone

Direct Deposit Perks

Switching your direct deposit to Dow Credit Union means more than just convenience – it’s a smart financial move! Enjoy competitive rates, lower fees, and personalized lending solutions designed to help you keep more of your hard-earned money. Make the switch today and experience the difference!
Make the Switch

  1. Dividends on share accounts are prospective and therefore are not guaranteed. The prospective dividends are declared by Dow Credit Union's Board of Directors.
  2. 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.