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Featured Accounts

Dow Chemical Employees' Credit Union

Popular Accounts at this Credit Union

2.15%5-year CD60 Month Bump Rate CD
0.75%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 8th largest credit union in the state of Michigan. It is also the 154th largest credit union in the nation. It was established in 1937 and as of December of 2016, it had grown to 120 employees and 58,168 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 - YTD0.04%
Return on Equity - YTD0.34%
Annual Interest Income$26.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$1.53B$1.46B
LoansQ4 2016vs Q4 2015$833.6MM$731.9MM
DepositsQ4 2016vs Q4 2015$1.33B$1.25B
Equity CapitalQ4 2016vs Q4 2015$164.3MM$164.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.8MM$1.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.9MM$857.00K
Real Estate OwnedQ4 2016vs Q4 2015$135.00K$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

0.37%*$150k*-Premium High Yield Deposit Account
OTHER TIERS: 0.28% $2,500 - $10k | 0.30% $10k - $50k | 0.33% $50k - $100k | 0.35% $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
1.90%$1k-48 Month HSA CD
1.90%$1k-48 Month Bump Rate CD
1.80%$1k-36 Month CD
1.80%$1k-36 Month HSA CD
1.40%$5k-29 Month CD Special
1.10%$1k-24 Month CD
1.10%$1k-24 Month HSA CD
1.10%$500-12 Month Youth CD
0.85%$500-6 Month Youth CD
0.80%$1k-18 Month CD
0.75%$1k-12 Month CD
0.75%$1k-12 Month HSA CD
0.50%$1k-6 Month CD

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