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 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 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)

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 - YTD0.37%
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
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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

1.25%*$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

0.15%--Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

3.65%$1k-36 Month Premium Rate CD
2.90%$1k-36 Month CD
2.90%$1k-60 Month Bump 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
2.30%$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

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

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