Become a Member


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.

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.

To become a member, you must meet the membership eligibility requirements.


Opening a savings and checking account online is easy and reliable. Our simple and secure online application will guide you through the process in 15 minutes or less. You may use our online application2 to open an Individual (adult) Account or Youth Account.

Online Membership Application

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

By Phone

Call our Member Contact Center between the hours of 7:00 a.m. and 6:00 p.m. ET Monday through Friday at:

989.835.7794 or 800.835.7794.

In Person

Our office is located at 600 E Lyon, Midland MI 48640. Account Services representatives are available between the hours of 7:30 a.m. and 5:30 p.m. ET Monday through Friday.

By Mail

Complete the Paper Membership Application below. This document will require notarized signatures of the primary and all joint account holders listed, and will need to be returned to Dow Chemical Employees’ Credit Union, PO Box 1649, Midland, MI 48641-1649 with a minimum deposit of $5.00. Also required are front and back copies of the driver’s licenses of the primary and each joint owner listed on the account.

Paper Membership Application

Why become a part of DCECU?

We had great service with much kindness and patience.DCECU Member

Best service all of the time and in every department.DCECU Member

Number one in all aspects. I would not do business anywhere else.DCECU Member

I always get wonderful service at DCECU. You make it worth it to do business from Texas to Michigan.DCECU Member

I felt like someone was really helping me - not just a number in some system.DCECU Member

Service is always with a smile. I enjoy being remembered when I come in.DCECU Member

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