Q: Who can apply for a loan?
A: Any member of Dow Chemical Employees' Credit Union.

Q: What if I am not a member?
A: Not a problem, click here to find out if you are eligible to become a member.

Q: Is there an application fee?
A: No, there is no application fee on any consumer loan.

Q: Why should I borrow from DCECU?
A: Fast quality service, fantastic rates, low cost MEMBER'S CHOICE™ Insurance, easy repayment methods, flexible terms, potential year-end interest rebate and loan types to meet all of your needs.

Q: What options do I have to repay my loans?
A: Net-pay auto transfers, auto transfers from Share or Share Draft accounts, mail,
Online (Cyber Connection).

Q: How does the application process work?
A: There are 3 options.

Call the DCECU Loan Department at (989) 835-7794 or (800) 835-7794. One of our loan specialists will assist you over the phone 24 hours a day, 7 days a week.

Stop in and talk to a loan officer.

Apply through Cyber Connection (Web Application).

Q: Does DCECU have a credit card program?
A: Yes, VISA Classic, VISA Gold and VISA Platinum. Click here for more information.

Q: How much can I borrow?
A: Depending on the collateral and term of the loan, you can borrow up to 100% of the value of the collateral, personal loans up to $30,000. Click here for rates and terms

Q: What are the rates at DCECU?
A: Click here for loan rates.

Q: How much would my payment be?
A: You can calculate a loan payment using the loan calculator. Click here for the loan calculator.

Q: What is my current vehicle worth?
A: For blue book pricing on new & used cars and also recreational vehicles, go to the NADA Guides website.