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 9th largest credit union in the state of Michigan. It is also the 168th largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 132 employees and 64,902 members at 1 location. Dow Chemical Employees' Credit Union's savings rates are 2X 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 https://www.dcecu.org/bank/cd/ Easy membership, click on membership link https://secure.loanspq.com/Consumer/v2/Xpress/public/Eligibility.aspx 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

Health Grade Components

Overall
NCUA #60137
Year Chartered1937
Employees132
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3.55%
Annual Interest Income$40.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.63B$1.64B
LoansQ4 2018vs Q4 2017$963.3MM$886.7MM
DepositsQ4 2018vs Q4 2017$1.42B$1.43B
Equity CapitalQ4 2018vs Q4 2017$170.4MM$170.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$2.8MM$1.7MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$2.3MM$1.3MM
Real Estate OwnedQ4 2018vs Q4 2017$119.00K$47.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

3.65% APY, 36 Month Premium Rate CD, Easy Membership

rockies   |  
$1,000 minimum, $250,000 maximum
Will pull a credit report
https://www.dcecu.org/bank/cd/

Easy membership, click on membership link
https://secure.loanspq.com/Consumer/v2/Xpress/public/Eligibility.aspx

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.

Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Dow Chemical Employees' Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
1.25%*$500k*-Premium High Yield Deposit Account
OTHER TIERS: 0.56% $2.5k - $10k | 0.70% $10k - $50k | 0.85% $50k - $100k | 1.00% $100k - $150k | 1.15% $150k - $500k
0.35%--Prime Savings
0.35%--Secondary Savings
0.35%--Club Account

Dow Chemical Employees' Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.90%$1k-60 Month Bump Rate CD
2.90%$1k-36 Month Premium Rate CD
2.55%$1k-48 Month HSA CD
2.55%$1k-48 Month Bump Rate CD
2.50%$1k-24 Month CD
2.50%$1k-24 Month HSA CD
2.40%$1k-36 Month CD
2.40%$1k-36 Month HSA CD
2.05%$500$10k12 Month Youth CD
1.80%$1k-18 Month CD
1.65%$1k-12 Month CD
1.65%$1k-12 Month HSA CD
1.50%$500$10k6 Month Youth CD
1.10%$1k-6 Month CD
Locations


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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.