Dow Chemical Employees' Credit Union

Overview / Commentary
600 E Lyon Rd
Midland, MI 48640

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 192nd largest credit union in the nation. It was established in 1937 and as of September of 2021, it had grown to 150 employees and 73,719 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

Reviews (3)

Dow Chemical Credit Union

Posted by: |

Opened a new share account 12/16. All went very smoothly. Had to email copy of drivers licesnse, as we are out of state. took pic on camera and uploaded. Did pull from Marcus to open. Paid $35 to charity to become member. All in all a good experience. Plan to open a 100K 2 yr cd at 2.4%.

Member Give Back

Posted by: |

DCECU has a member give back program for any members that have a loan, mortgage, credit card or interest bearing account. This used to be an industry norm that is no longer, with DCECU being one of the last credit unions to maintain the tradition. DCECU doesn't spend money on buildings they spend it on members.

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 - YTD0.87%
Return on Equity - YTD8.24%
Annual Interest Income$35.1MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$2.12B$1.93B
LoansQ3 2021vs Q3 2020$1.06B$1.00B
DepositsQ3 2021vs Q3 2020$1.87B$1.69B
Equity CapitalQ3 2021vs Q3 2020$224.6MM$220.1MM
Loan Loss AllowanceQ3 2021vs Q3 2020$4.3MM$5.5MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$1.1MM$1.7MM
Real Estate OwnedQ3 2021vs Q3 2020$0$0
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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%*$500k*-Simple High Yield Deposit
OTHER TIERS: 0.30% Up to $50k | 0.36% $50k - $500k
0.35%*$500k*-Premium High Yield Deposit Account
OTHER TIERS: 0.25% Up to $50k | 0.30% $50k - $500k
0.25%--Prime Savings
0.25%--Secondary Savings
0.25%--Club Account

Dow Chemical Employees' Credit Union Checking Account Rates

0.15%--Share Draft Account

Dow Chemical Employees' Credit Union CD Rates

0.90%$500-60 Month Bump Rate CD
0.90%$500-36 Month Simple CD
0.82%$500-48 Month HSA CD
0.82%$500-48 Month Bump Rate CD
0.75%$500-36 Month CD
0.75%$500-36 Month HSA CD
0.71%$500-12 Month Youth CD
0.68%$500-24 Month Simple CD
0.58%$500-6 Month Youth CD
0.57%$500-24 Month CD
0.57%$500-24 Month HSA CD
0.55%$500-18 Month Simple CD
0.50%$500-12 Month Simple CD
0.46%$500-18 Month CD
0.42%$500-12 Month CD
0.42%$500-12 Month HSA CD
0.40%$500-6 Month Simple CD
0.33%$500-6 Month CD

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

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