Dow Chemical Employees' Credit Union

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

Dow Chemical Employees' Credit Union is headquartered in Midland and is the 9th largest credit union in the state of Michigan. It is also the 167th largest credit union in the nation. It was established in 1937 and as of March of 2019, it had grown to 138 employees and 66,138 members at 1 location. Dow Chemical Employees' Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Dow Chemical Employees Credit Union is open to anyone who joins the Midland Center for the Arts, Alden B. Dow Museum. Current and retired employees of the Dow Chemical Company, the Dow Corning Corporation, and their affiliates are also eligible. Membership is also open to individual owners of stock in the Dow Chemical Company and employees of more than 60 Select Employer Groups.
See current membership details

Related Posts

Dow Chemical Employees CD Promotes 36-Month CD - 3/28/2019

Dow Chemical Employees Credit Union (easy membership) is currently offering a 36-month Premium Rate CD (3.65% APY). Minimum deposit is $1k, with a $250k balance cap.

3.65% APY, 36 Month Premium Rate CD, Easy Membership - 3/27/2019

$1,000 minimum, $250,000 maximum Will pull a credit report Easy membership, click on membership link Choose "I am a member of" and select "I want to join Midland Center for the Arts, Alden B Dow Museum" This selection enables a discounted $35 membership that can be funded via your application. Looks like this deal started March 1, so I don't know how much longer it will go.

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 Grade Components

NCUA #60137
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD10.33%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$1.73B$1.72B
LoansQ1 2019vs Q1 2018$962.4MM$886.0MM
DepositsQ1 2019vs Q1 2018$1.52B$1.53B
Equity CapitalQ1 2019vs Q1 2018$180.7MM$165.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$2.9MM$1.9MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$2.0MM$1.4MM
Real Estate OwnedQ1 2019vs Q1 2018$119.00K$72.00K
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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

1.15%*$500k*-Premium High Yield Deposit Account
OTHER TIERS: 0.35% $2.5k - $10k | 0.56% $10k - $50k | 0.70% $50k - $100k | 0.85% $100k - $150k | 1.00% $150k - $500k
0.35%--Prime Savings
0.35%--Secondary Savings
0.35%--Club Account

Dow Chemical Employees' Credit Union Checking Account Rates

0.20%--Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

2.76%--36 Month Simple CD
2.60%$1k-60 Month Bump Rate CD
2.55%$1k-24 Month Simple CD
2.45%$1k-48 Month HSA CD
2.45%$1k-48 Month Bump Rate CD
2.30%$1k-36 Month CD
2.30%$1k-36 Month HSA CD
2.25%$1k-12 Month Simple CD
2.10%$1k-24 Month CD
2.10%$1k-24 Month HSA CD
2.05%$500$10k12 Month Youth CD
1.85%$1k-18 Month CD
1.80%$1k-12 Month CD
1.80%$1k-12 Month HSA CD
1.50%$500$10k6 Month Youth CD
1.06%$1k-6 Month CD

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

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