Everyone is welcome!
At Dow Credit Union, our 80,000+ members are also owners who share in our success. Last year, we returned over $18 million to our members, reinforcing our commitment to their financial well-being.1
Becoming a member also means becoming a multiplier for good. We proudly support the communities we serve through volunteerism and partnerships with non-profits dedicated to helping those who need it most.
JOIN TODAY!
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 representing one share and your ownership in the credit union. 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.
Check out our great rates!
Recognized by the Wall Street Journal, Investopedia, and Business Insider.2
Enjoy Little to No Fees
We couldn’t agree more — fees should be minimal, or better yet, nonexistent. That’s why our members enjoy some of the lowest-cost fees around, including $0 non-sufficient fund (NSF) fees! By eliminating NSF fees, we're helping build a more inclusive, equitable financial future for everyone. We understand that life happens — but unnecessary fees don’t have to.
Since 1980, we've given back to our members more than1
Join the largest and fastest-growing credit union based in our region!
QUESTIONS? Stop by one of our branches or call us at 989.835.7794 or 800.835.7794.
MIDLAND
600 E. LYON RD.
SAGINAW
5420 GRATIOT RD.
- While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply. For the Rebate-Eligible Visa® Credit Card, Loan Interest Rebate typically is deposited to Prime Share Account no later than January 31.
- Business Insider, 04/2025, Best 3 Month CD Rates. Wall Street Journal, 05/2024, Best CD Rates. Investopedia, 12/2024, Best 2 Year CD Rates.
- APY = Annual Percentage Yield. Rates effective 04/01/2025 and subject to change on a daily basis. 3.51% APY rate eligible on Simple High-Yield account balances $500,000.00+.
- APY = Annual Percentage Yield. Rate effective 05/02/2025 and subject to change on a daily basis. APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. Starting minimum deposit is $500. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
- APR= Annual Percentage Rate. Rates effective 04/15/2025. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Certain restrictions may apply.
- As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits.
- Newsweek, 12/2024, America's Best Regional Banks and Credit Unions 2025.