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 June of 2019, it had grown to 135 employees and 67,061 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 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 Credit Union Raises 36-Month CD To 2.90% APY - 10/25/2019

Soon after introducing that limited-time offer, DCECU raised the rate on its 36-month Simple CD to 2.90% APY. The 36-month Simple CD requires only a $1k opening deposit.

Dow Chemical Employees' Credit Union Adds 21-Month CD, 2.45% APY - 10/9/2019

Dow Chemical Employees Credit Union (easy membership) is currently offering a 21-month Simple CD Special, which earns 2.45% APY. Minimum deposit is $5k.

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.

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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 - YTD0.78%
Return on Equity - YTD7.16%
Annual Interest Income$23.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.72B$1.68B
LoansQ2 2019vs Q2 2018$976.6MM$919.1MM
DepositsQ2 2019vs Q2 2018$1.49B$1.48B
Equity CapitalQ2 2019vs Q2 2018$188.7MM$165.6MM
Loan Loss AllowanceQ2 2019vs Q2 2018$2.8MM$2.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.8MM$1.8MM
Real Estate OwnedQ2 2019vs Q2 2018$214.00K$47.00K

Rates for Dow Chemical Employees' Credit Union are currently being reviewed.


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

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