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 156th largest credit union in the nation. It was established in 1937 and as of June of 2018, it had grown to 135 employees and 62,624 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

Health Grade Components

Overall
NCUA #60137
Year Chartered1937
Employees135
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4.47%
Annual Interest Income$19.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$1.68B$1.59B
LoansQ2 2018vs Q2 2017$919.1MM$860.7MM
DepositsQ2 2018vs Q2 2017$1.48B$1.40B
Equity CapitalQ2 2018vs Q2 2017$165.6MM$169.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.2MM$1.8MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.8MM$1.2MM
Real Estate OwnedQ2 2018vs Q2 2017$47.00K$77.00K
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
1.05%*$500k*-Premium High Yield Deposit Account
OTHER TIERS: 0.53% $2.5k - $10k | 0.64% $10k - $50k | 0.76% $50k - $100k | 0.88% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.90%$1k-60 Month Bump Rate CD
2.85%$1k-36 Month CD
2.55%$1k-48 Month HSA CD
2.55%$1k-48 Month Bump Rate CD
2.30%$1k-36 Month HSA CD
2.10%$1k-24 Month CD
2.10%$1k-24 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

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