Become a member of Dow Credit Union.

You Belong with Dow Credit Union

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.

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Financial Success is for Everyone

Everyone is Welcome

Join Dow Credit Union as a Multiplier for Good


Anyone can join Dow Credit Union by donating $10 to our Multipliers for Good Fund during membership enrollment. Your donation funds grants for local nonprofit initiatives dedicated to building stronger, more vibrant communities. You may also qualify for membership without a donation through your workplace, special interest group, or family. If you have family that are members or share a household with members, you're eligible to join. Revocable trusts with a member as the grantor also qualify.


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Special Interest Groups

  • Alden B. Dow Museum of Science & Art
  • Midland Area Community Foundation
  • Midland Country Club
  • Midland Center for the Arts
  • Midland County Historical Society
  • Great Lakes Loons Founders Club
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Briefcase

Place of Work

If your workplace is part of our approved network, employees and immediate family members—including parents, grandparents, spouses, siblings, children, grandchildren, and household members—are eligible!

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How to Apply

Step 1: Choose your path to membership

Step 2: Decide to apply for a loan or credit card at the same time

Step 3. Deposit $5 or more into savings (and $10 if joining as a Multiplier for Good)


To open an account, you must be 18 years old. 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.

Ready to join? Click the arrow below to apply and add ways to earn, borrow, and spend.

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What do I get with my new membership?

 

Dow Credit Union Checking Accounts that Check All the Boxes

Checking that Checks All the Boxes

Enjoy dividend earnings2 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 Accounts

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.3

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Dow Credit Union ATM Debit Cards

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, use it as an ATM card.

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At Dow Credit Union, Success is For Everyone!

Direct Deposit Your Paycheck

Switching your direct deposit to Dow Credit Union means competitive rates, lower fees, and personalized lending solutions that keep more of your hard-earned money in your pocket. Experience the difference by enrolling today.
Make the Switch
  1. Individuals who own one or more shares of Dow Chemical stock in their own name are eligible for membership. This does not include Dow stock held within a trust, retirement, 401(k) or other investment plan by another institution or group.
  2. Dividends on share accounts are prospective and therefore are not guaranteed. The prospective dividends are declared by Dow Credit Union's Board of Directors.
  3. 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.