Dow Chemical Employees’ Credit Union



Dow Chemical Employees’ Credit Union recognizes the importance of respecting the privacy of our members and applicants, and we want to assure you that any information Dow Chemical Employees’ Credit Union gathers will be used for its own business needs. Dow Chemical Employees’ Credit Union will not sell or share any information that we learn about you from your visit to our website ( described below, and Dow Chemical Employees’ Credit Union will gather only information it needs to serve you better. This site contains links to other sites. Dow Chemical Employees’ Credit Union is not responsible for the privacy practices or the content of such Web sites.

Dow Chemical Employees’ Credit Union also recognizes the need for security on the Internet, which is why we have Internet security standards and procedures in place to protect against unauthorized disclosure of information or access to information about you from our website. In addition, we limit employee access to personally identifiable information to those employees who have a business purpose for having access to such information.

back to topDoes DCECU collect Personal Information?

Yes. Dow Chemical Employees’ Credit Union obtains personal information in four ways:

  1. Your Applications
    Dow Chemical Employees’ Credit Union's principal business is to offer financial services such as credit cards, checking and savings accounts, personal and mortgage loans. For example, in order to provide you service, we may ask you to provide us with some or all of the following information: Name, Mailing Addresses, Email Addresses, Social Security number, Driver's License number, Employer, Membership Eligibility, Employee Number, Home and Business Phone Numbers.

    Also, we may request additional financial information in order to provide you credit or other services. In addition, we may request information that helps us keep your account secure. We use the information you give us to optimize the financial services we offer, evaluate your credit worthiness and prevent fraud. We will not be able to process your application if you do not provide us with all the information requested.

    We recognize that you may have concerns about the security of your personal information in making an application online. If you are not comfortable opening an account, credit card, or loan online you can do any of the following:

    Call us at (989) 835-7794 or (800) 835-7794;
    Print the application screen and fax it to (989) 832-9283; or

    Mail it to us at:
    Dow Chemical Employees’ Credit Union
    ATTN: Account Services
    P.O. Box 1649
    Midland, MI 48641-1649

    As a part of an application, you expressly authorize us to obtain a credit bureau report for our use in evaluating your application and subsequently in connection with our periodic review of your account relationship(s) with us, a requested change to your account or a change in your credit line. Each application for a Dow Chemical Employees’ Credit Union product will disclose that we are obtaining a credit report, if applicable, as part of our evaluation of the application. The credit report contains information about your credit history and is one of the tools we use to protect you from fraudulent conduct. As discussed below, you have certain rights regarding your credit bureau reports. Depending on the credit product for which you apply we may request additional authorizations to obtain information, such as confirmation of employment.
  2. Your Transaction History
    We track your transactions including where and how you access and use the account in order to prepare your monthly statement and to protect against fraudulent use of the account.
  3. Visiting Dow Chemical Employees’ Credit Union on the Web
    We obtain information online and track the flow of traffic on our website. We obtain personal information from visitors to our site at the time a visitor applies for one of our products. In addition, our computer and your computer may communicate during your visit to our website which allows us to customize screens and identify which part(s) of the site has been accessed.
  4. Communications with Dow Chemical Employees’ Credit Union
    We keep track of when and why you email us regarding your account. This allows us to provide consistent quality service.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

back to topDoes DCECU use Cookies?

Yes, we use cookies in conjunction with our home banking product to establish a unique session with your computer to prevent fraudulent and/or unauthorized access to your account. Our home banking product places seven different cookies. These files are encrypted twice: once with first level encryption that masks the data contained within the file, and a second time using Secure Sockets Layer (SSL) encryption. This virtually eliminates the likelihood that an eavesdropper would attempt to gain information from a cookie created by our home banking product. In addition, when the member clicks the End Session link to log off MCW, all cookies are automatically removed from the hard drive. This means that any third party that attempts to access the cookies directly from the hard drive will not be able to find them.

back to topHow does DCECU use or disclose Personal Information?

Dow Chemical Employees’ Credit Union uses or discloses personal information three ways:

  1. Membership Eligibility or Credit Worthiness
    Dow Chemical Employees’ Credit Union uses the information to evaluate your request to open an account or to determine whether to issue credit and, if we extend an offer of credit, to establish your line of credit. Thereafter, we use the information to provide our members with the highest level of service and protect our members from fraudulent use of the account.
  2. Reporting to Credit Bureaus
    Dow Chemical Employees’ Credit Union, like most financial institutions, shares our experience with you with the credit bureaus. The Fair Credit Reporting Act governs our reporting to credit bureaus. Under the Fair Credit Reporting Act you have the right to make sure that your credit bureau reports are correct and accurate.
  3. When Required by Law or Regulation
    Whether you are a current or former member, we will disclose your personal information in response to a lawful request issued by a court, government agency, or regulatory authority with jurisdiction to make the request.

back to topWhat are Credit Bureaus?

Credit bureaus are private organizations that compile your credit history and make that information available to lenders to assess potential borrowers' creditworthiness. We provide these credit bureaus with information regarding the status of your account. You may contact the credit bureaus as follows:

Equifax, Inc. Options
P.O. Box 105873
Atlanta, GA 30348
Experian Attention: NCAC
P.O. Box 2104
Allen, TX 75013
Trans Union
P.O. Box 390
Springfield, PA 19064-0390

The national credit bureaus offer a toll-free number to opt-out of all pre-approved credit offers with just one phone call. Call 1-888-5-OPTOUT (1-888-567-8688) for more information.

To the extent you believe that we have inaccurately provided information to a credit bureau, please contact us by writing to us at:
Dow Chemical Employees’ Credit Union
P.O. Box 1649
Midland, MI 48641-1649

Please provide us with your account number as well as all other information you believe we should know about the situation. We will investigate and respond to you within 30 days.

back to topHow do I make sure that the Credit Bureaus have the Correct Information?

Your rights are governed by the Fair Credit Reporting Act and vary depending on whether an action has been taken as a result of a bureau report. In the event that you want your credit bureau report, you may request it by contacting the particular credit bureau. If you have been denied credit based on information in a particular credit bureau report, you are entitled to a free copy of your report from that credit bureau, provided you ask that bureau for a report within 60 days of the notice to you. In some circumstances, you may have to pay a fee to get the report. You also have the right to challenge the accuracy of information contained on your report.

back to topDo I Have Access to My Information?

Yes, you have the right to obtain information about you, including your application and details of your account.

If you believe there is an error or you have a question about your account, write us at:
Dow Chemical Employees’ Credit Union
P.O. Box 1649
Midland, MI 48641-1649

Write to us as soon as possible after you become aware of a potential problem. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:
Your name and account number.
The dollar amount and date of the potential error.
Describe the potential error and explain, if you can, why you believe there is an error.

If you need more information, describe the item you are not sure about. We will respond to you within 30 days.

back to topWhat If I Have a Question or Problem?

Dow Chemical Employees’ Credit Union is committed to preserving the privacy of our members. We have described the manner in which we collect and use personal information. In the event you have concerns, questions or a problem arising from our performance pursuant to this statement, it should be directed to us in writing at:
Dow Chemical Employees’ Credit Union
P.O. Box 1649
Midland, MI 48641-1649

back to top3rd Party Link Disclosure

DCECU's website offers links to a variety of sites maintained by third parties. In accessing these sites, you are leaving the DCECU website. These links are offered only for use at your own discretion.

DCECU does not provide, and is not responsible for, the product, service, or overall website content available on third-party sites.

DCECU does not represent either you or the third-party site in any transaction you enter into with the third-party site.

DCECU’s privacy and security polices do not apply to linked websites. You should consult the privacy disclosures and security policies on each third-party site for further information.

Third-party websites may provide less security than DCECU’s website.