Dow Chemical Employees’ Credit Union


VISA® Credit Cards

"The Cards that Really Reward You"
Join your fellow members in the distinguished group of Dow Chemical Employees' Credit Union VISA Classic, VISA Gold or VISA Platinum cardholders. You too, can use one of the finest credit cards available today to take care of all your needs while keeping your budget in line. Take a look at the advantages and NEW Enhancement options a DCECU VISA Classic, Gold or Platinum card can give to you.

DCECU Visa Credit Cards: Take Charge Classic Gold Platinum
Minimum credit line $100 $500 $5,000 $7,500
No annual fee
Low rate (APR*) 13.92% 13.92% 12.00% 9.90%
True 25-day interest-free grace period
Free auto rental insurance
Free worldwide travel accident insurance $150,000 $150,000 $250,000 $1,000,000
Year-end Summary of Charges Statement      
Enhancement Options:        
$0.15 per retail transaction rebate OR
Potential year-end Loan Interest Rebate
TravelFree Rewards points program OR
Potential year-end Loan Interest Rebate
CashBack Rewards program OR
Potential year-end Loan Interest Rebate

*APR = Annual Percentage Rate

back to topVISA® Gift Cards

Come to DCECU for the perfect gift ~ VISA Gift Cards!

VISA Gift Cards are welcome anywhere VISA Debit Cards are accepted. You choose the amount and the recipient decides what to purchase with the card. It's that simple. Other than the load amount on the card, the price is $3.00 when purchased at the teller window and slightly more, to cover shipping and handling, when purchased online. For more information or to purchase your VISA Gift Cards, stop by our office or visit

back to topTake Charge VISA®

The credit card for youth
DCECU believes in educating younger members about the wise use of credit. Our Take Charge VISA credit card allows parents to control the credit limit, but gives kids the opportunity to have their own credit cards, build personal credit histories and receive their own statements.

back to topPayment Mailing Address

Dow Chemical VISA
P.O. Box 4517
Carol Stream, IL 60197-4517

back to top2014 Statement Closing Date Calendar

Jan. 21 2014 Feb. 18, 2014 Mar. 21, 2014 Apr. 20, 2014 May 21, 2014 Jun. 20, 2014
Jul. 21, 2014 Aug. 21, 2014 Sep. 21, 2014 Oct. 21, 2014 Nov. 20, 2014 Dec. 21, 2014

* Payments are due on the 15th of every month. (25 days after statement closing date)

back to topEnhancement Options

Since Dow Chemical Employees’ Credit Union offers enhancement options to complement our VISA Classic, VISA Gold and VISA Platinum programs, cardholders are given the opportunity to select one of two enhancements on their VISA card. Each year from January 1 through February 15, cardholders are allowed to change their VISA enhancement selection for that calendar year.

Cardholders wishing to select an alternative VISA enhancement may complete the form below and submit to DCECU by February 15. Cardholders who wish to retain their current VISA enhancement do not need to complete the form. If you wish to re-evaluate your VISA enhancement option, complete the form below if you decide to change your selection. For assistance in selecting the enhancement option that’s right for you, please call our VISA Department at (989) 835-7794 or (800) 835-7794.

back to topLoan Interest Rebate

If you generally carry a balance on your credit cards, you may find that the potential year-end Loan Interest Rebate option may really benefit you! By selecting this enhancement option, your VISA Classic, Gold, or Platinum account becomes eligible for DCECU’s potential year-end Loan Interest Rebate. Please note that while year-end rebates occur frequently, this benefit is not guaranteed.

back to topTransaction Rebate

VISA Classic Enhancement Option
That's Right!
The DCECU VISA Classic can actually pay you to use your card. For each retail purchase you make, you can receive a $0.15 cent credit on your monthly statement.

back to topTravelFree Rewards

VISA Gold Enhancement Option
For every dollar you spend using your DCECU VISA Gold card for retail purchases, you earn one point. Points can be redeemed for travel certificates or for merchandise from the TravelFree catalog. Travel certificates earn you credit towards a variety of travel-related services, including airfare, train, bus, hotel, rental car, cruises, etc. 2,500 points are the minimum needed to redeem merchandise and 5,000 points are the minimum for travel credit certificates. Click here to access your TravelFree Rewards account.

1 TravelFree Point = $1.00 Net Retail Purchase
5,000 Points = $50.00 travel credit certificate

RewardsNOW, Inc.
P.O. Box 828
Dover, NH 03820

TravelFree Points maximum is 35,000 annually. TravelFree points are based on your net retail sales which exclude cash advances, balance transfers, convenience checks and returned purchases.

TravelFree Points expire in five years if unredeemed. Points are utilized on a first in - first out basis.

TravelFree Statements are produced quarterly. You will receive your statements in January, April, July and October.

If you have any other questions please contact any of the following numbers for assistance:
TravelFree Rewards Hotline: (877) 332-9273
DCECU VISA Department: (989) 835-7794 or (800) 835-7794.

back to top CashBack Rewards

VISA Platinum Enhancement Option
Your DCECU VISA Platinum card can reward you for using your card! By choosing the CashBack Rewards option, you earn rebate dollars on net retail purchases made with your card. Qualifying transactions include purchases of goods and services, which exclude cash advances, balance transfers, convenience checks, ATM withdrawals, payments, adjustments, finance charges, or any other account fee.

Your CashBack Rewards rebate is based on the total dollar amount of your qualifying purchase transactions, is paid to your VISA account in January of each year and is calculated as shown in the following schedule:
$0 to $2,500= 0.25%
$2,501 to $5,000 = 0.50%
$5,001 to $7,500 = 0.75%
$7,501+ = 1.00%

For example, if you used your DCECU VISA Platinum card for $10,000 of net retail purchases during the year, your CashBack Reward would be $62.50!

$10,000 Annual Net Retail Purchases
$2,500 x 0.25% = $6.25
$2,500 x 0.50% = $12.50
$2,500 x 0.75% = $18.75
$2,500 x 1.00% = $25.00
CashBack Reward = $62.50

The maximum rebate that can be earned in any one calendar year is $500.00. There is no calculation or carry-over of any excess rebate above that amount. The rebate will not be earned or distributed if your account is delinquent or otherwise in default under the cardholder terms and conditions agreement. If we close your account because it is not in good standing, your rebate will be forfeited.

back to topSpecial Offers and Discounts for VISA® Cardholders

Be a savvy shopper

Click the banner above to enjoy a wide assortment of deals exclusive to VISA Cardholders from some of the best brands in America.

back to topFraud Protection

DCECU has a variety of mechanisms in place to protect members from fraud and loss*:

Zero Liability

Ensures you won’t have to pay for unauthorized purchases. With replacement funds, we’ll return any funds lost from your account due to fraudulent use.

Verified by Visa

Offers additional password protection at select merchants to help make sure you’re the only one who can use your card online. For more information, please see Verified by Visa

3-digit security code

Adds even greater protection when shopping online or over-the-phone.

ID Theft Assistance

Provides access to counseling services at no additional cost to help resolve any ID theft issues.

Fraud Monitoring

The Falcon neural network, a fraud prevention/risk management tool, is currently in place for all DCECU cards. This system detects potential fraud using cardholder, transaction, and merchant data. Falcon uses a model of national fraud patterns with the individual cardholder’s pattern (which changes on a daily basis) to determine the likelihood that a transaction is fraudulent. Discrepant transactions that occur outside the typical cardholder profile may then be pursued to prevent loss. Accounts are monitored by the Falcon system 24 hours a day; however, verification calls to cardholders are made between 8 a.m. and 9 p.m. only (according to the cardholder’s time zone), in order to minimize cardholder inconvenience. Cardholders who live overseas are not contacted by Falcon; instead, a report is faxed to the Credit Union.

It is possible that you may receive a phone call from Falcon concerning recent transactions on your account. Falcon representatives will never ask a member to provide their full card number unless the member needs to call back for some reason. They may ask to verify the last 4 digits of the primary member’s social security number, or mother’s maiden name, to ensure they are confirming recent transactions with the correct person. Falcon representatives will NOT talk to anyone other than the cardholder. This is for security reasons. At any time if you feel the call may be suspicious, please contact the Credit Union right away.

For more information about Visa security, visit

*Covers U.S.-issued cards only. Visa’s Zero Liability policy does not apply to ATM transactions or PIN transactions not processed by Visa® and certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Verified by Visa requires online activation and is for use only at participating online merchants. Identity Theft Assistance offers access to a toll-free number.

Lost or Stolen Visa® Credit Cards
(866) 317-0355
(727) 570-4888 from outside the U.S.

Online Banking

After logging in, go to
"Loans" and click
"Consumer Loan Request"