Dow Chemical Employees' Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.15%	5-year CD	60 Month Bump Rate CD 2.40% - Goldman Sachs Bank USA 5 Year CD
0.85%	1-year CD	12 Month HSA CD 1.50% - Goldman Sachs Bank USA 12 Month CD
0.25%	Savings	Secondary Share Savings Account 1.20% - Goldman Sachs Bank USA Online Savings

View all Dow Chemical Employees' Credit Union rates »

Overview / Commentary

www.dcecu.org

800-835-7794

600 E Lyon Rd
Midland, MI 48640-5396

Dow Chemical Employees' Credit Union is headquartered in Midland and is the 8^th largest credit union in the state of Michigan. It is also the 153^rd largest credit union in the nation. It was established in 1937 and as of June of 2017, it had grown to 141 employees and 59,000 members at 1 location. Dow Chemical Employees' Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Dow Chemical Employees Credit Union is open to the current and retired employees of the Dow Chemical Company and the Dow Corning Corporation and their affiliates. Membership is also open to individual owners of stock in the Dow Chemical Company and employees of Hemlock Semiconductor Corporation and over 20 Select Employer Groups.
See current membership details

Reviews (1)

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Featured Account Options

Interest Rebates

Posted by: Michael W Beshears | Apr 16, 2016

I joined this credit union several years ago but have not used them. The account opening process is slow especially if you are not a Dow Employee. I joined as a stockholder. I joined because of this credit unions history of rebating back a portion of their earnings to their members. They really do this. The only problem is their rates on Savings are not that great and their loan rates are higher. So the rebate is a gimmick. I would rather have a higher savings and a lower loan rate than a rebate. So not for me. Obviously some people like this.

2

Health

A+

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	60137
Year Chartered	1937
Employees	141
Primary Regulator

Profit Margin
Return on Assets - YTD	0.21%
Return on Equity - YTD	2.05%
Annual Interest Income	$15.5MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$1.59B$1.53B
Loans	Q2 2017vs Q2 2016	$860.7MM$795.0MM
Deposits	Q2 2017vs Q2 2016	$1.40B$1.32B
Equity Capital	Q2 2017vs Q2 2016	$169.7MM$174.0MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$1.8MM$1.9MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$1.2MM$1.6MM
Real Estate Owned	Q2 2017vs Q2 2016	$77.00K$22.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Dow Chemical Employees' Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.42%^*	$150k^*	-	Premium High Yield Deposit Account
OTHER TIERS: 0.28% → $2,500 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k \| 0.40% → $100k - $150k
0.25%	-	-	Primary Share Savings Account
0.25%	-	-	Secondary Share Savings Account
0.25%	-	-	Club Account

Dow Chemical Employees' Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.15%	$1k	-	60 Month Bump Rate CD
1.90%	$1k	-	48 Month HSA CD
1.90%	$1k	-	48 Month Bump Rate CD
1.80%	$1k	-	36 Month CD
1.80%	$1k	-	36 Month HSA CD
1.25%	$1k	-	24 Month CD
1.25%	$1k	-	24 Month HSA CD
1.20%	$500	$10k	12 Month Youth CD
1.00%	$1k	-	18 Month CD
0.85%	$1k	-	12 Month CD
0.85%	$1k	-	12 Month HSA CD
0.85%	$500	$10k	6 Month Youth CD
0.50%	$1k	-	6 Month CD

Locations

Dow Chemical Employees' Credit Union Locations
Branch Office	600 E Lyon Rd	Midland, MI 48640-5396