Open your account at Dow Chemical Employees’ Credit Union today and begin enjoying the credit union difference! DCECU is a cooperative, not-for-profit financial institution, owned by its members to fulfill their financial needs in all stages of their lives. Once you join the credit union you can retain your membership for life – even if you change jobs, retire, or move away.

Benefits of Membership

As a member of DCECU, you will have access to a broad range of deposit accounts and lending services to meet your financial needs. In addition, members who are in good standing1 may receive a portion of our year-end earnings in the form of Member Giveback Rebates and Rewards.

Open your account at Dow Chemical Employees’ Credit Union today and begin enjoying the credit union difference!

If you paid $500 in interest in 2016 on a rebatable loan with us, you would have received $375 cash back at the start of this year!

Who Can Join?

To become a member of the Dow Chemical Employees’ Credit Union you need to meet one of the qualifications listed below and then open a Share Account with a minimum balance of $5.00. The Share Account not only makes you a member but also a part owner of the Credit Union.

  • Employees and retirees of The Dow Chemical Company and its affiliated companies
  • Employees and retirees of the Dow Corning Corporation and its affiliated companies
  • Employees and retirees of a Select Employer Group
  • Employees and retirees of the Dow Chemical Employees’ Credit Union
  • Any relative of any member, employee or retiree described above
  • Any relative of any member or any individual living under the same roof and in the same single-family household of any member.
  • Revocable Trusts in which the Grantor is also a member of Dow Chemical Employees’ Credit Union
  • Individual owners2 of stock in The Dow Chemical Company

Learn how your company can become a Select Employer Group

How to Join?

Opening a savings and checking account online is quick and easy. Our simple and secure online application will guide you through the process in 15 minutes or less. You may use our online application3 to open an Individual (adult) Account or Youth Account.

Online Membership Application Other Application Options

Note: If you are not subject to U.S. taxes and/or do not reside in the United States please contact us for assistance.

What Our Members Say About Us

Why four generations of Eschenbachers have joined DCECU … and why they intend to remain members for generations to come

Herb Eschenbacher, member since 1953: “The year-end Loan Interest Rebate can’t be beat. They have some pretty nice people here. They know you, and they know what you need. I wouldn’t bank anywhere else!”

Melanie (Eschenbacher) Mathewson, member since 1985: “Nobody else has the rates and the rebates. I’ve had all my kids open accounts at DCECU. When one of my daughters moved to California and then to Colorado, I told her, ‘Don’t open an account anywhere else!’ With the online services and network of ATMs, you can bank here no matter where you live.”

AuBree (Mathewson) Cherry, member since 1994: “The year-end Loan Interest Rebate is such a benefit. I wish more people knew that they could be members here!”

Landyn Cherry, member since 2006: “My mom opened an account for me a month after I was born. I’ve been saving here since I was a baby!”

The Eschenbacher family – Dow Chemical Employees’ Credit Union members for four generations: AuBree Cherry, Herb Eschenbacher, Melanie Mathewson, Landyn Cherry.

  1. Members in good standing are defined as those members having at least $5 in their Share Account on December 31st of that year, no delinquent accounts, have not had adverse collection activities on their account, and have not had accounts charged off. ↩︎

  2. Individuals who own one or more shares of Dow Chemical stock in their own name are eligible for membership. This does not include Dow stock held within a trust, retirement, 401(k) or other investment plan by another institution or group. ↩︎

  3. IE 8+, Firefox, Safari, or Chrome browser required with cookies enabled. ↩︎