Dowagiac Area

473 E DIVISION ST, Dowagiac, MI 49047

NCUA Insured4.8 (47 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1972

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Dowagiac, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1972

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

473 E DIVISION ST

Dowagiac, MI 49047

Google Maps 🗺Waze

(269) 782-2410

Service Area

This credit union is located in Dowagiac and serves members in the MI area. Currently serving 1,830 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.25%

Used Auto Loan

5.25%

Personal Loan

9.25%

Credit Card APR

12.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.8

47 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Debra Ironside

a year ago

Dowagiac Area Federal Credit Union has been a reliable and dependable asset for all our financial needs, for about 35 years (since we were in High School!) They are not only kind and knowledgeable, but they are ‘present.’ There is Always somebody in the office that will take the time to help answer any questions we may have. We are extremely lucky to have a hometown financial institution that takes care of their members, and their members Financial needs, in such a knowledgeable, friendly, prompt, professional manner.🙏

Debora Hagemann

a year ago

Natalie was very helpful in deciding to get our vehicle loan and other loan separately. We have always been treated great from all the staff and will always use DOWAGIAC credit union for all our future needs as well.

Lola Brown

5 months ago

Dowagic credit union did a good job.Got everything done fast .

Amy Hackett

a year ago

The staff at DAFCU were fantastic and timely helping us get an auto loan set up with the lowest rate around! Will recommend them to all our friends and family.

Thomas Buszek (Tommy B)

a year ago

Natalie and Erik were fantastic to work with. They made the process of getting my car loan a breeze! On top of that, DAFCU had the best rates. I wish I could give them 6 stars!