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Dow Chemical Employees' Credit Union

Popular Accounts at this Credit Union

2.15%5-year CD60 Month Bump Rate CD
0.85%1-year CD12 Month HSA CD
0.25%SavingsSecondary Share Savings Account

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 152nd largest credit union in the nation. It was established in 1937 and as of December of 2017, it had grown to 130 employees and 60,546 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 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 - YTD0.08%
Return on Equity - YTD0.77%
Annual Interest Income$30.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.64B$1.53B
LoansQ4 2017vs Q4 2016$886.7MM$833.6MM
DepositsQ4 2017vs Q4 2016$1.43B$1.33B
Equity CapitalQ4 2017vs Q4 2016$170.5MM$164.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.7MM$1.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.3MM$1.9MM
Real Estate OwnedQ4 2017vs Q4 2016$47.00K$135.00K
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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

0.42%*$150k*-Premium High Yield Deposit Account
OTHER TIERS: 0.28% $2,500 - $10k | 0.30% $10k - $50k | 0.35% $50k - $100k | 0.40% $100k - $150k
0.25%--Primary Share Savings Account
0.25%--Secondary Share Savings Account
0.25%--Club Account

Dow Chemical Employees' Credit Union Checking Account Rates

0.15%--Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

2.15%$1k-60 Month Bump Rate CD
2.05%$1k-36 Month CD
1.90%$1k-48 Month HSA CD
1.90%$1k-48 Month Bump Rate CD
1.80%$1k-36 Month HSA CD
1.60%$5k-27 Month CD Special
1.25%$1k-24 Month CD
1.25%$1k-24 Month HSA CD
1.20%$500$10k12 Month Youth CD
1.00%$1k-18 Month CD
0.85%$1k-12 Month CD
0.85%$1k-12 Month HSA CD
0.85%$500$10k6 Month Youth CD
0.50%$1k-6 Month CD

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