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Coronavirus (COVID-19) Updates from DCECU

As news of the coronavirus (COVID-19) continues to develop, we want to provide assurance of DCECU’s commitment to ensuring the health and safety of our members, employees and our community. As your financial institution, DCECU encourages you to stay informed on ways to protect yourself, your family and those you come in contact with as we face this challenge together. At DCECU, we are closely monitoring developments regarding COVID-19 and are taking proactive steps to avoid any potential disruptions in service by offering a suite of services to help you navigate financially in this uncertain environment.

Thank you for your cooperation and understanding as we modify operations to best serve you and protect our community. DCECU provides the following information as a guide to business operations during the COVID-19 crisis. Please visit this page regularly for important credit union updates.

Latest DCECU News

DCECU Joins MiMortgage Relief Partnership

Relief available to homeowners experiencing COVID-19 hardship


Dow Chemical Employees’ Credit Union has joined financial institutions across Michigan in providing a three-month mortgage payment relief option to homeowners experiencing financial hardship due to the COVID-19 pandemic.

The MiMortgage Relief Partnership is a statewide program, just unveiled by Gov. Gretchen Whitmer and the Michigan Department of Insurance and Financial Services (DIFS), to address the economic impact of the pandemic. COVID-19 has created temporary financial difficulties that may make it difficult for many people – including DCECU members – to continue making monthly loan payments.

“No homeowner should have to worry about losing their home during the current public health crisis,” said DCECU President/CEO Michael Goad. “Joining the MiMortgage Relief Partnership was an easy decision for us, as our current mortgage loan relief solutions were already formulated to care for our members during this challenging time, in the same spirit of this partnership.”

While the U.S. Congress enacted relief only for federally backed mortgages, DCECU wanted to offer broad mortgage loan relief to those financially impacted by the coronavirus and is offering to defer three monthly mortgage loan payments to members impacted by COVID-19.

Members must contact DCECU and request to be a part of the credit union’s mortgage payment relief program. Those who opt in will receive the following benefits during the three-month deferment period:

  • Monthly mortgage payments will not be required, although interest will continue to accrue
  • Late fees will be waived
  • Mortgages will not be reported adversely to the credit bureaus
  • DCECU will not initiate foreclosure for at least 90 days

DCECU mortgage loan borrowers who wish to learn more about the deferment opportunity should call the credit union at 989-835-7794 or 800-835-7794 (toll-free) between 7:30 a.m. and 5:30 p.m. EDT Monday through Friday. DCECU members who are experiencing any financial hardship related to COVID-19 are encouraged to call as well. A dedicated team is available to identify customized solutions to meet members’ needs.

Prior to signing on to the MiMortgage Relief Partnership, DCECU had already helped many members via a variety of customized solutions to grant increased access to cash, reduce fee impact or potentially extend loan payments. Participation in the partnership is “another meaningful way for DCECU to assist our members during this time of crisis,” Goad said.

DCECU COVID-19 Communications

Hours of Operation

Michigan Governor Whitmer enacted a stay at home order directing many Michigan businesses to suspend in-person operations. DCECU, however, has been defined as a critical/essential service and we will remain available to our members.

The following DCECU services are currently available to serve members:

Lobby The lobby at our office (located at 600 E. Lyon Road in Midland, MI) will be temporarily closed for walk-in service until further notice, including Liberty Mutual and the Retirement & Investment Center offices. Safe deposit box access is available by appointment only by calling 800.835.7794 or through a secure message within Online Banking.
Drive-Thru Monday - Friday 7:30 a.m. - 5:30 p.m. ET and Saturday 9:00 a.m. - 1:00 p.m. ET with limited services available*.
DCECU drive-thru staff is following social distancing recommendations resulting in reduced drive-thru lanes and extended wait times. Please consider using our 24/7 services or call our Member Contact Center.

* Non-essential member services via drive-thru will be suspended until further notice including non-member check cashing, stamp purchase, gift card purchase, and foreign currency exchange. Foreign checks may be dropped off for processing with completion of transaction confirmed by mail.
Member Contact Center 989 or 800.835.7794 Monday - Friday 7:00 a.m. - 6:00 p.m. ET
24/7 Services Our online/mobile/phone banking services, credit/debit cards, and ATM network are also available 24/7 for the majority of your banking needs.

DCECU is committed to continuity of service to all members. Please share any urgent need that requires special consideration by bringing the matter to our attention so that we can assist you.

Your Money is Safe

Your money is safe with us. Rest assured, DCECU stands financially and operationally strong in the midst of an uncertain world around us. We have an incredibly solid capital position and are prepared to weather this storm. We are federally insured with the backing of the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is very similar to the Federal Deposit Insurance Corporation (FDIC) insurance that you may be familiar with at banks. Your money will always be here when you need it.

  • DCECU share/deposit accounts are federally insured up to at least $250,000 per person.
  • Joint accounts are insured separately up to $500,000 (maximum $250,000 for each joint owner). The interest that a joint owner has in all joint accounts will be added together and insured up to $250,000.
  • Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
  • Additional account types may provide additional insurance.
  • Please visit for more information.

Need Help?

We are in this together. DCECU is here to help in tough times.

It is inspiring to see financial institutions all around us stepping up to ensure their members or customers are well-served during this time of uncertainty. Several of them are offering one-size-fits-all relief programs to address the needs of their community. DCECU is taking an alternate approach, leveraging our long history of customizing solutions to meet individual member needs during times of hardship. DCECU is perfectly positioned to care for our members and our Member Solutions Team will be ready and waiting for your call when you need us.

We have already helped many members who have reached out regarding their situation, and we have responded to questions and concerns from additional members as well. We have customized solution options to grant increased access to cash, reduce fee impact, or possibly extend your loan payments.

Members Experiencing IMMEDIATE Hardship

If you are currently experiencing personal, financial impacts related to COVID-19, subsequent government or employer actions, we are here for you. Rest assured, DCECU is ready to work with members on an individual basis to resolve loan payment issues and other financial concerns. Please reach out to our Member Solutions Team at 989 or 800.835.7794 so that we can identify a solution that specifically addresses your need.

Members with Questions about FUTURE Hardship Concerns

If you are not currently financially impacted by this crisis, we are so grateful. In the traditional cooperative spirit of credit unions, we thank you for doing your part by continuing to support our economy and also making on-time loan payments to keep your credit union healthy. While we are currently experiencing higher than usual call volumes, please allow us to remain focused on assisting members with immediate hardship needs. If/when the time comes that you are financially impacted, our Member Solutions Team will be ready and waiting for your call at 989 or 800.835.7794.

DCECU cares about all of our members and appreciates your understanding as we prioritize resources to serve members with the most immediate needs or greatest financial impact. We are in this together.

We Need Your Help (What You Can Do)

DCECU is prepared to weather this storm alongside our members. But we need your help. There are several actions you can take to protect yourself and manage your financial life. Here is a list of ideas to strengthen your resilience during this trying time.


    The number one thing you can do is follow the advice of government health authorities regarding COVID-19 to maximize your personal health and well-being. While we love to see you, we provide alternate services so members don’t have to visit us to access their accounts. For your health and the protection of our staff and community, we request you refrain from using DCECU in-person services or conducting face-to-face financial transactions as much as possible.

    An image banner with white text on a blue background that states: Stay Home. Stay Safe. Save Lives.


    DCECU encourages members to utilize self-service/remote tools to the maximum extent possible to support social distancing and prevent spread of the virus. Electronic services may be easier and healthier options than visiting our branch or passing cash from person to person.

    DCECU is committed to continuity of service to all members by providing a robust suite of products, services and tools to ensure reliable access to your accounts. In addition to 24/7 ATM access, members can obtain account access anytime, anywhere, on any device through our online, mobile and phone banking services. Find a product or service that fits you:

    Using a combination of these services, you can view balances, transfer funds, make most loan payments, open new share accounts, pay bills, apply for a loan, view cleared checks, deposit a check on your mobile device - all without exposure to a public social environment. In addition, you may use our extensive ATM network, along with your DCECU ATM or Visa® Debit Card, to make deposits, withdrawals, transfer funds and inquire about your account balances. All of these services are designed to provide you with easy access to your accounts without having to visit our office.


    According to the World Health Organization, cash may be contributing to the spread of COVID-19. Use cash alternatives provided by DCECU in lieu of cash whenever possible:

    1. Use your DCECU Visa® Debit and/or Credit Cards
    2. Use contactless payments (Apple Pay®, Google Pay, Samsung Pay®, Fitbit Pay, Garmin Pay)


    Unfortunately, national crises bring out con artists seeking to take advantage of the vulnerable and the unwary. Be on the lookout for suspicious emails, text messages and phone calls leveraging the COVID-19 outbreak to convince you to share sensitive information such as usernames and passwords, download software, or make purchases or donations. Scammers often pose as a government agency, company, or even a charity.

    Remember that DCECU will NEVER contact you asking for this information.

    Arm yourself against these attacks by reading more about current scams and learning how to recognize the warning signs.


    DCECU appreciates your patience. For the protection of DCECU staff, we have enacted a robust work-from-home program and will be minimizing in-office staff which may result in extended response times. Due to the high volume of member inquiries, wait times may be longer than usual and phone calls may experience decreased audio quality. Your matter is very important to us and we are working very hard to remain available to our members. In lieu of calling, please consider our 24/7 option of contacting us by starting a Conversation through Online Banking or the Mobile App. Thank you for your patience and cooperation.


    These are uncertain times. No one should struggle alone. Allow us to be there for you. If you are currently experiencing financial difficulty, finding it difficult to meet your obligations, or need help, please reach out to our Member Solutions Team.

DCECU would like to remind you that the safest place for your money at a time like this (or any time) is an NCUA-insured credit union. We are working hard to ensure you’ll have access to banking services and cash when you need it.

Frequently Asked Questions (FAQs)

    • DCECU Operations FAQs

      • What are the hours for drive-thru service?
        • Our drive-thru hours are Monday – Friday 7:30 a.m. - 5:30 p.m. EST and Saturday 9:00 a.m. – 1:00 p.m. EST. Please expect extended wait times.
        • For faster service, use our self-service channels such as Online Banking, our Mobile App, credit/debit cards, phone banking (1Call) service, and our extensive ATM network whenever possible.
      • Is there a time of day that the drive-thru line is shorter?
        • Currently, our average wait time in the drive-thru is approximately 40 minutes. Wait times are typically longer in the afternoon, all day on Fridays, and the first week of each month. Typically, lines are shortest in first 2 hours of service.
        • We apologize for extended wait times as we have limited the number of employees working and reduced the number of available lanes in the drive-thru in order to maintain appropriate space between our employees recommended by the CDC.
        • To receive the most expedited service, there is little to no wait times at DCECU (or other) ATMs. Find an ATM near you.
      • When will the lobby reopen?

        DCECU desires to return to full service as soon as it is safe and prudent to do so. The exact date to reopen the lobby has not been determined at this time as DCECU continues to monitor the COVID-19 outbreak and assess our operations daily. After Michigan’s stay home, stay safe order is lifted, DCECU will gradually return to full-service operations to ensure the health and safety of our members, employees and community. Read more about DCECU’s preparation to return to full-service operations.

      • Should I expect longer than normal wait times on the phone?

        Yes. For the health and safety of DCECU employees, we have enacted a robust work-from-home program and will be minimizing in-office staff which may result in extended response times. Due to the high volume of member inquiries, wait times may be longer than usual and phone calls may experience decreased audio quality.

        As an alternative, you can start a Conversation with us 24/7 through Online Banking and the Mobile App.

      • Am I still able to withdraw my money if I need access to cash?

        Yes. If you need to withdraw cash, you may do so at our drive-thru or a DCECU ATM. DCECU members also have access to nearly 30,000 surcharge-free non-DCECU ATMs nationwide through the CO-OP network. To locate a DCECU or CO-OP ATM near you, visit

      • Is the money I have deposited at the credit union safe and insured?

        Yes. DCECU continues to be financially sound with a strong capital position. In addition, DCECU shares/deposits are backed by the full faith and credit of the federal government and are insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

    • ATM FAQs

    • Financial Assistance FAQs

      • Will DCECU be offering a 90-day loan deferment that other institutions are offering?

        DCECU is monitoring the current economic situation closely and we are aware that it is impacting members to varying degrees. DCECU will be customizing solutions for members on an individual basis to resolve issues that occur. If you are currently experiencing financial hardship, a member of our solutions team would be happy to assist you.

      • I’ve been financially impacted by COVID-19. Can DCECU help?

        Yes. If you are currently experiencing personal, financial impacts related to COVID-19, subsequent government or employer actions, we are here for you. Rest assured, DCECU is ready to work with members on an individual basis to resolve loan payment issues and other financial concerns. Please reach out to our Member Solutions Team at 989 or 800.835.7794 so that we can identify a solution that specifically addresses your need.

    • Government Stimulus Payment/Check FAQs

      • How will I receive my government stimulus check(s)?

        U.S. Treasury Secretary, Steven Mnuchin, has stated that the administration expects Economic Impact Payments (stimulus money) to be delivered to eligible individuals who have direct deposit information on file with the Internal Revenue Service. Further, he shared that a web-based system will be created for people to submit direct deposit information to expedite delivery of their stimulus money. Otherwise, checks will be mailed.

        Click here for direct deposit information.

      • How do I set up direct deposit of my government stimulus check(s) or unemployment?

        Follow instructions from the IRS or unemployment agencies for specifics. You can have your DCECU direct deposit information ready by viewing this resource.

      • What do I do if/when I receive my government stimulus payment in the form of a check?

        If possible, DCECU suggests being proactive in providing the IRS with your direct deposit information as soon as you are able. Direct deposit is the safest – and fastest – way to get your stimulus money.

        If you do receive a check, to enable you to stay home and stay safe, and for the greatest protection of our staff - we provide several options for you to deposit this check and recommend the following in priority order:

        1. Submit your deposit using our Mobile App’s Mobile Check Deposit feature.
        2. Deposit it at an ATM near you. DCECU has temporarily increased ATM withdrawal limits to enable up to two $500 cash withdrawals per day, up to a maximum of $1,000 daily.
        3. Mail your deposit to P.O. Box 1649, Midland, MI 48641-1649.
        4. Stop into our drive-thru (only if necessary to minimize person-to-person contact).
      • What if I did not file a tax return in 2018 or 2019?

        If you did not file a tax return in 2018 or 2019, you can submit your basic personal information to the IRS to receive stimulus payments. Click here to access the IRS online tool for non-filers.


Protect yourself by staying informed with the latest updates and tips on how to limit the spread of COVID-19 (the coronavirus) by regularly checking information from reliable state and federal agencies.