Featured Savings Rates
Featured Accounts

Dow Chemical Employees' Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.05%5-year CD60 Month Bump Rate CD
0.65%1-year CD12 Month HSA CD
0.25%SavingsSecondary Share Savings Account

Overview / Commentary
800-835-7794
600 E Lyon Rd
Midland, MI 48640-5396

Dow Chemical Employees' Credit Union is headquartered in Midland and is the 8th largest credit union in the state of Michigan. It is also the 146th largest credit union in the nation. It was established in 1937 and as of June of 2016, it had grown to 114 employees and 57,799 members at 1 location. Dow Chemical Employees' Credit Union has an A+ health rating.

Field of Membership Restrictions

Dow Chemical Employees Credit Union of Michigan is open to the current and retired employees of the Dow Chemical Company and the Dow Corning Corporation and their affiliates, Select Employer Groups, the credit union, Dow Chemical Company stockholders, and the family or household members of these mentioned people.
See current membership details

Reviews (1)

Interest Rebates

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.



Health
A+

Health Grade Components

Overall
NCUA #60137
Year Chartered1937
Employees114
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD2.79%
Annual Interest Income$15.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.53B$1.48B
LoansQ2 2016vs Q2 2015$795.0MM$709.4MM
DepositsQ2 2016vs Q2 2015$1.32B$1.27B
Equity CapitalQ2 2016vs Q2 2015$174.0MM$170.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.9MM$1.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.6MM$730.00K
Real Estate OwnedQ2 2016vs Q2 2015$22.00K$0
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.37%*$150k*-Premium High Yield Deposit Account
OTHER TIERS: 0.28% $2,500 - $10k | 0.30% $10k - $50k | 0.33% $50k - $100k | 0.35% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$1k-60 Month Bump Rate CD
1.75%$1k-48 Month HSA CD
1.75%$1k-48 Month Bump Rate CD
1.45%$1k-36 Month CD
1.45%$1k-36 Month HSA CD
1.00%$1k-24 Month CD
1.00%$1k-24 Month HSA CD
1.00%$500-12 Month Youth CD
0.75%$500-6 Month Youth CD
0.70%$1k-18 Month CD
0.65%$1k-12 Month CD
0.65%$1k-12 Month HSA CD
0.40%$1k-6 Month CD
Locations


Dow Chemical Employees' Credit Union Locations
Branch Office600 E Lyon RdMidland, MI 48640-5396