Dow Credit Union Midland MI | Best Auto Loans & Business Banking

Introduction

Welcome to Dow Credit Union, your trusted financial partner located at 600 E Lyon Rd, Midland, MI 48640. Since our establishment in 1937, we have been dedicated to serving the financial needs of our community and our valued members. With a proud membership of over 82,348 individuals and total assets exceeding $2.3 billion, we are committed to providing personalized banking solutions that help you achieve your financial goals. At Dow Credit Union, we understand that each member has unique needs. Whether you are looking for checking and savings accounts, auto loans, mortgage options, or business banking services, we have tailored offerings designed just for you. Our total deposits stand at an impressive $83,279,461, reflecting the trust our members place in us. While you can visit us at our branch address for all your banking needs, please note that any official correspondence should be sent to our mailing address: PO Box 1649, Midland, MI 48641-1649. Our team is led by CEO Michael Goad and Board President Lisa McKenney, who prioritize a member-first approach in every aspect of our service. We pride ourselves on having a dedicated staff of 180 employees, ensuring that we are always here to assist you with friendly support. If you're interested in becoming a member or learning more about how we can help you with your financial journey, don't hesitate to call us at (989) 835-7794 or visit us online at dowcreditunion.org. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Continuous Improvement

As we look toward the future, Dow Credit Union embraces innovation while maintaining our core values. We have invested in digital advancements to enhance member experiences with online banking, mobile payments, and e-statements making managing your finances easier than ever before. Additionally, our branch is ADA compliant, ensuring all members can access our services comfortably. For official correspondence, please send mail to PO Box 1649, Midland, MI 48641-1649. Our friendly team is ready to assist you during our operating hours from Monday to Friday between 7:30 AM - 5:30 PM and Saturdays from 9:00 AM - 1:00 PM. We also provide convenient ATM access and drive-thru banking for your ease. Join us at Dow Credit Union today! Experience the benefits of being part of a member-focused institution that prioritizes your financial success and community welfare. Visit us online at Dow Credit Union or call us at 989-835-7794 for more information on how you can become a member today!

Our Mission

The mission of Dow Credit Union is simple yet powerful: to improve the financial well-being of our members and the communities we serve. We offer a wide range of services including personal banking, auto loans, mortgage options, and credit cards with rewards tailored to meet your needs. Our commitment extends beyond just financial transactions; we strive to create lasting relationships built on trust and mutual respect. We believe in supporting our community through various outreach initiatives and partnerships that uplift local organizations and individuals alike. Whether it's sponsoring local events or participating in community service projects, we actively engage with those around us to make a positive impact.

Branch Location & Accessibility

Contact Us

If you need assistance or have questions about our services, feel free to give us a call at 989-835-7794. While you're welcome to visit us at our branch on E Lyon Rd, please note that any official correspondence should be sent to our mailing address at PO Box 1649, Midland, MI 48641-1649. We invite you to stop by Dow Credit Union today and discover how we can help you achieve your financial goals!

Conveniently Located

Our branch is situated near notable landmarks that make it easy to find. You can easily swing by while enjoying a day out in the Midland area. We understand that convenience is key, which is why we ensure there's ample parking available for our members. Plus, our location is fully accessible, featuring ADA-compliant ramps and facilities so everyone can enjoy our services without any hassle.

Operating Hours & Services

We're open Monday through Friday from 7:30 a.m. to 5:30 p.m., and on Saturdays from 9:00 a.m. to 1:00 p.m., making it easy for you to visit at your convenience. Our drive-thru service allows you to handle simple transactions like deposits and withdrawals quickly, without leaving your vehicle. Additionally, we have an ATM available for those who prefer quick cash access.

Member Eligibility

Becoming a member of Dow is like joining a warm and welcoming family where your financial needs are prioritized. If you're looking to become part of our community, we invite you to explore the eligibility criteria that ensure our members can benefit fully from what we offer. Generally, membership is open to anyone who lives, works, worships, or attends school in the Midland area. This inclusive approach means that many individuals can take advantage of our personalized services and competitive rates. Once you've confirmed your eligibility, opening an account is a breeze! You can begin the process by visiting us at our branch located at 600 E Lyon Rd Midland Mi 48640, or you can easily start online by following this link: https://ob.dowcreditunion.org/enroll . If you have any questions or need assistance, feel free to reach out at (989) 835-7794. For detailed information about eligibility requirements, check out this resource: http://www.dowcreditunion.org/resources/membership . We're excited to welcome you to Dow, where your financial journey is supported every step of the way!

Business Banking & Commercial Services

Loan Options That Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Matter

In addition to loans, we provide essential merchant services that simplify everyday transactions. Imagine having the ability to accept payments seamlessly from customers using various methods credit cards, mobile payments, or even e-commerce solutions. This flexibility not only enhances customer satisfaction but also helps streamline your business operations. With a dedicated team ready to assist you at our branch located at 600 E Lyon Rd Midland Mi 48640, Midland, MI, we invite you to explore how Dow can be a partner in your success. Visit us today or call us at (989) 835-7794 for more information!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes time to buy a car, our auto loans and vehicle financing options are designed to help you get behind the wheel without breaking the bank. Picture driving off in your new car with a competitive rate that fits your budget. Our team is ready to assist you in finding the best loan for your needs.

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are crafted to help you thrive in today's economy. With flexible financing options and dedicated support, we're here to help grow your business.

Convenient Access Anytime

At Dow, we understand that convenience matters. That's why we offer robust online and mobile banking features so you can manage accounts from anywhere at any time. Need cash? Use our ATMs for quick withdrawals or balance checks without any hassle. Additionally, our basic drive-thru service allows for easy deposits and withdrawals if you're on the go! To learn more about how we can serve you better or if you're ready to take the next step towards better financial health, reach out today at (989) 835-7794 or visit us at http://www.dowcreditunion.org . Join us at Dow, where we're committed to helping you achieve financial success!

Credit Cards with Rewards

For those who love rewards, our credit cards with rewards program allows you to earn points on everyday purchases. Think about how those points could translate into travel perks or cash back it's a great way to make the most out of your spending!

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and our mortgage loans and refinancing options make this goal more achievable. Whether you are purchasing your first home or looking to refinance an existing mortgage, we provide guidance every step of the way. Our team will work with you to find the right solution that aligns with your long-term goals.

Personal Banking Solutions

Whether you're just starting out or looking to manage your savings effectively, our personal banking options have you covered. We offer checking and savings accounts that help you manage your day-to-day finances while earning interest on your savings. Imagine easily tracking your spending or saving for a dream vacation all made simple with our user-friendly online and mobile banking features.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans can help ease those burdens. If you're juggling multiple debts, consider our debt consolidation options that can streamline payments into one manageable monthly bill. It's all about making your financial journey smoother.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which offers a robust banking experience right at your fingertips. With this app, you can make person-to-person transfers effortlessly, allowing you to send money to friends and family quickly and securely. Plus, if you're looking to stay organized, our e-statements feature allows you to view and download statements digitally, reducing paper clutter while keeping everything accessible. For those who prefer using their phones for purchases, our mobile payments feature makes transactions simple just tap and go! Additionally, we support electronic signature authorization, which means signing documents online is a breeze no more printing or mailing required. We know that life gets busy; that's why our services are designed for accessibility and ease of use. With Dow, banking is no longer confined to traditional hours. You can enjoy the freedom of managing your finances whenever it suits you best. Experience the future of banking today with Dow's digital offerings. Visit us at https://dowcreditunion.org/ and take advantage of everything we have to offer!

Financial Strength

Growing Member Trust

The trust of our members is evident with 201,402 total share accounts. This growing member base showcases that individuals like you believe in the strength of Dow, making it a community-focused institution dedicated to your financial well-being. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Dow is your trusted partner. Visit us at 600 E Lyon Rd Midland Mi 48640 or call (989) 835-7794 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Investment in Future Growth

Our commitment to growth is further illustrated by our $237,331,229 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $23,198 in used auto loans and $1,252,980,656 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings Solutions

Your savings are well protected at Dow. We have $830,476,768 in share certificates and $691,325,867 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 164 full-time employees and 16 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $238,191,617, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,020 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $389,230,960 in used vehicle loans and $83,061,760 in new vehicle loans already helping members get on the road. Whether you're considering financing a new or used vehicle, our competitive rates make it easier for you to drive away with confidence.

Credit Lines

For those who prefer flexibility, our credit lines amounting to $1,107,910,810 provide an excellent option for managing cash flow or unexpected expenses. It's an easy way to access funds without needing to apply for a new loan each time. We recognize that every member's financial journey is unique. That's why we encourage you to explore our refinancing options if you're looking to lower your monthly payments or consolidate existing debts. Additionally, eligibility options are available; visit us at http://www.dowcreditunion.org/resources/membership for more details. If you have any questions or want to learn more about our loan offerings, feel free to contact us at (989) 835-7794 or stop by our branch located at 600 E Lyon Rd Midland Mi 48640. We're here to help you navigate your financial needs! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $34,439,003, make buying or refinancing simple. We provide clear guidance throughout the process to help you find the right loan for your situation.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans, with a total of $41,693,365 in loans helping members manage their finances effectively. Enjoy the convenience and security of having access to funds when you need them.

Loan Aggregator

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DOW CREDIT UNION - Midland, MI