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Featured Accounts

Dow Chemical Employees' Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.30%5-year CD60 Month Bump Rate CD
1.30%1-year CD12 Month HSA CD
0.25%SavingsSecondary Share Savings Account

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 8th largest credit union in the state of Michigan. It is also the 150th largest credit union in the nation. It was established in 1937 and as of March of 2018, it had grown to 134 employees and 61,551 members at 1 location. Dow Chemical Employees' Credit Union's CD rates are 44% higher than 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
Employees134
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4.38%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1.72B$1.65B
LoansQ1 2018vs Q1 2017$886.0MM$845.1MM
DepositsQ1 2018vs Q1 2017$1.53B$1.43B
Equity CapitalQ1 2018vs Q1 2017$165.9MM$167.3MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.9MM$1.7MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.4MM$1.3MM
Real Estate OwnedQ1 2018vs Q1 2017$72.00K$189.00K
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
0.67%*$150k*-Premium High Yield Deposit Account
OTHER TIERS: 0.53% $2,500 - $10k | 0.55% $10k - $50k | 0.60% $50k - $100k | 0.65% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$1k-36 Month CD
2.30%$1k-60 Month Bump Rate CD
1.90%$1k-48 Month HSA CD
1.90%$1k-48 Month Bump Rate CD
1.80%$1k-36 Month HSA CD
1.55%$1k-24 Month CD
1.55%$1k-24 Month HSA CD
1.50%$500$10k12 Month Youth CD
1.40%$1k-18 Month CD
1.30%$1k-12 Month CD
1.30%$1k-12 Month HSA CD
1.00%$500$10k6 Month Youth CD
0.60%$1k-6 Month CD
Locations


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

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