Dow

PO Box 1649, Midland, MI 48641

NCUA Insured3.6 (206 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1937

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 Midland, 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

2 charter

Established in 1937

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

PO Box 1649

Midland, MI 48641

Google Maps 🗺Waze

(989) 835-7794

Service Area

This credit union is located in Midland and serves members in the MI area. Currently serving 83,732 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

6.49%

Used Auto Loan

5.99%

Personal Loan

8.75%

Credit Card APR

10.99%

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(2 total)

Member Reviews

3.6

206 Google reviews

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

View on Google Maps

ClimbnFish

4 months ago

Used to be great, been a member 30 years. Now they’re like any other bank…poor customer service and fees on everything. If you cash a check of any size be prepared to wait to get it in your account. They put a hold on a 1200 check from a reputable company even though I had many times that in my account. C’mon. For extra insult they denied me a mortgage a few years back even though I have 830 credit and a perfect payment history spanning decades because “my debt to equity ratio was too high”. lol I had the cash to pay for the house outright but wanted to borrow when rates were so low. Took my business elsewhere and had no problem getting the mortgage.

Beth Shumway

a month ago

Highly recommend. Been a member for years now and have never been disappointed. Customer service in every department is phenomenal. Dow Credit Union employees truly care about their members and it shows through every interaction.

Ron Leng

5 months ago

We have been members of the Dow Credit Union for over 35 years and have always experienced friendly, competent service over the years. Most recently, we fell victim to a fraud scheme (not in any way the fault of the credit union). I called late in the day and the agent immediately froze our account and let us know that we had to come in the next day. We were served by Max who was extremely helpful and courteous in getting us set up including notifying all businesses that were on autopay or making deposits into our account. What really stood out was his compassion and assurance that we were not alone in falling into one of these traps. Thank you Max and DCECU!

Dylan Grzegorczyk

a month ago

I have been a member a little less than a year, and I cannot name a bad time coming here. Every person that has helped me or talked to me has been super kind, helpful, and respectful. After changing to here from my other credit union, there will not be another credit union I go to!

Ed Wilcox

4 months ago

I am a fairly new member of Dow Credit Union - so far I have found the credit union to be very easy to deal with- very responsive to any questions that I have had. Great customer service and I like the give back at the end of the year. Count me as a satisfied customer.