Dow Credit Union Saginaw MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Dow Credit Union, where we believe in building strong relationships with our members and empowering our community. Located at 5420 Gratiot Rd, Saginaw, MI 48638, we have been serving our members since 1937. With over 82,000 members and a total asset base of $2.3 billion, we are proud to offer a range of financial services tailored to meet your needs. At Dow Credit Union, we understand the importance of trust and reliability in your financial journey. That's why our dedicated team, led by CEO Michael Goad and Board President Lisa McKenney, is here to provide you with personalized service and expert advice. We currently employ 180 individuals who are committed to ensuring that every member feels valued and supported. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 1649, Midland, MI 48641-1649. Our comprehensive suite of services includes personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, business banking solutions, and robust online banking facilities. With total deposits amounting to $83 million and cash in hand of $7.8 million, we are well-equipped to serve you. Our commitment goes beyond just numbers; we strive to make a positive impact in our community through various initiatives and support programs. Our members' well-being is at the heart of everything we do. Ready to take the next step? Whether you're looking to open an account or simply need more information about our services, give us a call at 989-835-7794 or visit our website at dowcreditunion.org. We're excited to help you achieve your financial goals!

Branch History & Mission

Community Engagement

Dow Credit Union is more than just a financial institution; we are deeply committed to giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, we aim to uplift our neighbors and create opportunities for all. Whether it's supporting educational initiatives or participating in community events, we believe in making a difference beyond banking. While members can visit us at 5420 Gratiot Rd Saginaw, official correspondence should be sent to PO Box 1649 in Midland if needed. Our operating hours are from 9:00 AM to 5:00 PM, Monday through Friday, ensuring that we are available when you need us most. We also offer convenient ATM access and drive-thru banking services for quick transactions.

Join Us Today!

As we look toward the future, our commitment remains steadfast: to support you financially while enhancing the well-being of our community. If you're not yet a member of Dow Credit Union, we invite you to experience the benefits of joining us today! Visit us online at dowcreditunion.org or call us at 989-835-7794 for more information about membership options. Join Dow Credit Union today where your financial dreams meet community values!

Our Mission

Our mission at Dow Credit Union is simple yet profound: to empower our members through comprehensive financial solutions while making a positive impact in our community. We strive to offer a wide range of services, including personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking options. Our goal is to make banking accessible and straightforward for everyone. We understand that each member's journey is unique. That's why we focus on customer-centric initiatives like online and mobile banking, making it easier for you to manage your finances anytime and anywhere. Additionally, we provide ADA-compliant facilities so everyone can feel welcome and secure when visiting our branch.

Branch Location & Accessibility

Accessibility Features

At Dow Credit Union, we pride ourselves on being accessible to everyone. Our branch is fully ADA compliant, featuring ramps and designated parking spots for those who need them. You can feel confident that your visit will be comfortable and convenient.

Get in Touch

Have questions? Want to know more about what we offer? Don't hesitate to give us a call at 989-835-7794. Our team is always ready to assist you! We invite you to stop by and experience firsthand how Dow Credit Union can serve you better. Your financial journey starts here!

Nearby Landmarks

You'll find us nestled near the intersection of Gratiot Rd and N Center Rd, making it simple to swing by after a visit to local favorites like the Saginaw Valley State University or the nearby shopping centers. This prime location means you can easily fit your banking errands into your day.

Operating Hours & Services

We are open Monday through Friday from 9:00 AM to 5:00 PM, so you have plenty of time during the week to come see us. Our friendly team offers a range of services designed to meet your financial needs, including checking and savings accounts, auto loans, mortgages, and personal loans. Plus, with our drive-thru service available for quick deposits and withdrawals, we make banking even more hassle-free! Need cash? No problem! We also have an ATM on-site for your convenience. If you ever need to send official correspondence, please note that while you can visit us at our branch location, you should send mail to PO Box 1649 in Midland, MI.

Member Eligibility

Becoming a member of Dow is like joining a welcoming family that truly cares about your financial journey. If you're looking to become part of our community, you'll be pleased to know that eligibility is open to individuals who live, work, or worship in the areas we serve, along with their immediate family members. This inclusive approach means that whether you're a local resident or have ties to our community, you can easily join us at Dow. As a member, you'll enjoy fantastic benefits such as personalized service and access to a wide range of financial products tailored just for you. To start your membership journey at Dow, simply visit us at our branch located at 5420 Gratiot Rd Saginaw Mi 48638 or give us a call at (989) 835-7794 for more information. For detailed eligibility criteria, feel free to check out our website here: http://www.dowcreditunion.org/resources/membership. Opening an account is straightforward and can be done online; just head over to this link: https://ob.dowcreditunion.org/enroll. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

When it comes to day-to-day operations, our merchant services offer practical benefits. Imagine having a payment processing system that works seamlessly, allowing you to focus on what really matters serving your customers. From easy credit card transactions to online payment solutions, we provide the tools you need to manage your finances efficiently. Located at 5420 Gratiot Rd Saginaw Mi 48638 in Saginaw, MI, we're here to partner with you every step of the way. Let's grow your business together! Reach out today at (989) 835-7794 to learn more about how we can assist you.

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we also have tailored solutions for you. Our business banking services include merchant services that help facilitate transactions efficiently, as well as business loans designed to support your company's growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Dow offers robust online and mobile banking features. Access your accounts anytime, anywhere whether it's checking your balance on the go or transferring funds with just a few taps on your smartphone. Additionally, our ATM services allow for quick cash withdrawals and balance checks at any time.

Easy Transactions at Your Fingertips

We know that sometimes all you need is a simple transaction. That's why we provide basic drive-thru banking for deposits and withdrawals alongside easy ATM access for quick cash needs. At Dow, we are committed to providing exceptional service and support every step of the way. If you're interested in learning more about how we can assist you with any of these financial services, please don't hesitate to reach out at (989) 835-7794 or visit us online at Dow Credit Union. Let's take this financial journey together!

Financial Support When You Need It

Life can be unpredictable, which is why we offer personal loans and debt consolidation options. These services provide financial relief when unexpected expenses arise or help simplify your finances by combining multiple debts into one manageable payment.

Personal Banking Solutions

Our personal banking offerings include checking and savings accounts designed to help you manage your money effectively. Imagine being able to save for that special vacation or set aside funds for unexpected expenses all while enjoying competitive interest rates. Plus, our credit cards with rewards let you earn benefits on everyday purchases, making it easier to treat yourself when the time comes. If you're considering purchasing a new vehicle or refinancing your current one, our auto loans and vehicle financing options are here to assist you. We understand that buying a car is a significant investment, and we strive to offer flexible terms that suit your budget. For larger investments like buying a home, our mortgage loans and refinancing services can guide you through the process smoothly. Our knowledgeable staff will work closely with you to ensure you find the right mortgage solution for your unique situation.

Digital & Online Banking

At Dow, we understand that managing your finances should be simple and secure. That's why we offer a comprehensive suite of digital and online banking services designed to meet your needs anytime, anywhere. With our commitment to convenience, you can easily access your accounts and perform transactions from the comfort of your home or on the go. Our online banking platform at https://dowcreditunion.org/ provides 24/7 access to your account, allowing you to check balances, view transaction history, and manage payments all in one place. No need to wait in line; everything is right at your fingertips! Plus, with the option for electronic signatures, handling important documents is quick and hassle-free just sign and send without the need for paper. For those who prefer a more mobile experience, our dedicated mobile application ensures you can bank whenever you need to. Whether you're making person-to-person transfers or setting up mobile payments, it's all just a tap away. Our mobile features are not only user-friendly but also prioritize your security, giving you peace of mind with every transaction. Additionally, we offer e-statements to help you keep track of your finances while being environmentally friendly. You can easily opt-in and enjoy paperless statements that are accessible whenever you want them. With Dow, banking is designed around you easy to navigate and always secure. Explore how our digital services can enhance your banking experience today!

Financial Strength

A Growing Community

Total Share Accounts stand at 201,402, showing a strong and growing member base that trusts us with their finances. With Net Shares available for lending and investments totaling $7,847,640, we are well-equipped to meet your needs now and into the future. 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 5420 Gratiot Rd Saginaw Mi 48638 or call (989) 835-7794 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $237,331,229 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we currently have $23,198 in used auto loans and $1,252,980,656 in total loans and leases supporting your financial goals across various sectors.

Member-Centric Savings Options

Your savings are secured through $830,476,768 in share certificates and $691,325,867 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members over profits; with non-member deposits at $0, we ensure that our resources focus 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. This solid foundation is crucial as it enables us to meet your needs effectively. 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 a brand-new model or a reliable used vehicle, we can help you finance your purchase with ease.

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 guidance throughout the process, ensuring you understand your options and feel confident in your decision.

Unsecured Credit Card Loans

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. This product is perfect for those looking to build credit or cover unexpected expenses without the hassle of traditional borrowing. If you're interested in refinancing any existing loans or checking your eligibility for our various products, don't hesitate to ask our team for assistance. We are committed to providing you with personalized service and solutions that work for you. For more details about our loan offerings and how they can fit into your financial plans, visit us at Dow, give us a call at (989) 835-7794, or check out our website at https://dowcreditunion.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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