Dow Chemical Employees’ Credit Union


back to topYou spoke, we listened! Announcing an improved
Bill Pay!

April 15, 2014

Since the new bill payment system was launched last year, many members have reached out to the Credit Union asking for a more intuitive design. Well, you spoke, and we listened! We are upgrading Bill Pay to make it even easier and more convenient.

Starting May 13, your Bill Pay home page will display a dashboard that allows you to monitor and manage payments. From this page, you will be able to:

  • View payees, upcoming bills, payment history and pending payments
  • Quickly add a new payee
  • Make a payment to existing payees
  • Set up recurring payments for bills that are the same amount each month
  • See bill amounts and payment due dates with eBills

This upgrade will not have any impact on existing payees or scheduled payments. To learn more, please view our step-by-step videos or try our interactive demo.

If you have questions, please free to contact us at (989) 835-7794 or (800) 835-7794.

back to topRegarding the Recent "Heartbleed Bug"

April 9, 2014 (Updated April 11, 2014)

Dear Members,

We apologize for the recent unplanned outage to our Online Banking. The old adage of security is a balance between convenience and safety certainly applies here. As the safety of your information and finances is our top priority, a decision was made to temporarily disable access to the online banking system during the morning of Wednesday, April 9 as a precautionary response to a security alert.

This internet-wide alert indicated that our Online Banking encryption implementation, OpenSSL, had a vulnerability, known as the "Heartbleed Bug", that could allow hackers to decrypt encrypted traffic, including passwords. Please be aware that OpenSSL is one of the most widely used encryption implementations on the internet – as a result, many websites have been affected.

Online Banking is now updated and secured.* To protect our members, we are forcing all Online Banking users to change their passwords. If you have not done so already, you will be prompted to change your password immediately after login. For maximum security, although not required, it is recommended to update your MFA questions and answers. These are only precautionary actions as we have no evidence or reports of any adverse activity on member accounts. We understand that this is an inconvenience but the safety of your information and finances will always be our focus.

As a reminder, do not use previously used or the same password on multiple sites – especially Online Banking.

Our goal is to provide you with convenient and highly secure banking options. We apologize for the inconvenience and thank you for your support and assistance in protecting your information.

* The vulnerability occurred specifically with our Online Banking: OpenSSL was updated and a new certificate for was installed before bringing the server back online around 4:00 p.m. on Wednesday, April 9, 2014. Our website located at was not affected by the "Heartbleed Bug".

back to topFREE Shred-It Event - April 22, 1:00 – 3:00 p.m.

April 8, 2014

DCECU will host a free Shred-It Event on Earth Day, April 22 from 1:00 – 3:00 p.m. in the credit union parking lot.

This event is designed to provide members with a safe and secure means to dispose of sensitive information while recycling paper.

At DCECU, we are committed to helping our members protect their financial information and fight fraud. For more information about the upcoming Shred-It Event, please call us at 989.835.7794 or 800.835.7794.

Limit is 3 bags per person. No commercial or business drop-offs, please.

back to topClosing Notice: Friday, April 18 and Saturday, April 19

April 4, 2014

In observance of Good Friday, the credit union will be closed on Friday, April 18 and Saturday, April 19.

As always, our services are available 24 hours a day with your DCECU VISA® Check Card, ATM card, 1Call Audio Response and Mobile Banking, as well as via our Online Banking service at

back to topDCECU will NEVER solicit personal/private information via email or text message.

March 28, 2014

Recently, DCECU has been notified that identity thieves are sending text messages that warn “Your card ending in xxxx has been locked.” A fraudulent phone number is also listed in the text message.

Never call a phone number you receive from a spam / phishing email or text message, and certainly do not enter in any private information if you make a mistake and do call. If you want to call DCECU, use the normal phone number you regularly use, (989) 835-7794 or (800) 835-7794, not the phone number received in a text.

Dow Chemical Employees’ Credit Union recognizes that the security and privacy of our members is extremely important, which is why we have a variety of standards and procedures in place to protect our members. For more information, please visit our Security Assurance Center.

Remember, DCECU will NEVER solicit personal/private information via email or text message.

back to topDCECU Electronic Services: secure, convenient and environmentally friendly

March 22, 2014

DCECU makes it easy to handle your finances from home, work or wherever you are…whenever you want.

We offer a full range of electronic services that are secure, convenient and environmentally friendly. Go paperless and save yourself the gas money or postage by taking advantage of these programs:

  • Online Banking -DCECU Online Banking is a secure and convenient way to manage your account online 24 hours a day, 7 days a week. Signing up for Online Banking is easy; you can find a “Register” link within the login box on the DCECU home page. Once registered, you can view balances, transfer funds, make loan payments, view cleared checks and more.
  • Mobile Banking - This service gives you instant connectivity to your accounts anytime, anywhere on your mobile device and is available to all Online Banking users. As a Mobile Banking user, you can view account lists and balances, view transaction history, pay bills to existing payees, and much more. Users can also take advantage of Mobile Check Deposit.
  • Bill Pay - With Bill Pay, you can schedule payments to anyone in the U.S., making payments to credit card and utility companies or even the newspaper carrier easier.

Let us help you stay organized and go paperless this year. Members can register for these electronic services or get more information about them by visiting our eServices page.

Go paperless!

You can manage how you receive communications from DCECU through your Online Banking account. Choose to receive statements, tax forms and other communications electronically by logging in to your account.

back to topGet out and enjoy the savings - with no payments for 90 days*

March 21, 2014

It’s that time of year! The weather is getting better and so are our loan rates on autos, trucks, and a wide range of recreational vehicles including: boats, jet skis, ATVs, snowmobiles, motor homes and motorcycles.

Hurry—offer ends May 30!

To take advantage of this great rate, stop by, apply online or give us a call at 989.835.7794 or 800.835.7794.

For more information about our loan offerings, visit our Consumer Loans page.

Apply Now

* Interest will continue to accrue.
** APR=Annual Percentage Rate. Rates subject to change. Spring Loan Sale rates are not available for refinancing existing DCECU loans. Refinances from other lenders are welcome. 1.89% APR represents our Best Rate Auto Loan and is for new and used autos only. Best Rate Auto Loans are not eligible for the potential year-end Loan Interest Rebate but offer DCECU’s lowest available loan interest rate. While year-end rebates occur with great regularity, they are not guaranteed. Individual rates may vary based on credit score and loan term.

back to topImaging and Security Improvements for your Protection

March 7, 2014

The credit union has started using a new imaging system. One feature of this new system is the presence of identification scanners at all teller and account service stations. These new scanners will directly import a high resolution image of each member's government-issued photo identification (driver's license, state identification card or passport) into our core system.

The new high-quality images will allow staff to better ensure the identity of members, enhance our compliance stance and help reduce fraud. The next time you come in, if we have not already captured your identification utilizing our new scanners, you will be asked to allow us to scan your identification. While you are not required to have your id scanned, we hope you will recognize the account security benefits of doing so and will participate in this program.

Thank you for your continued help and support in making YOUR credit union safer and more secure.

back to topThe Dow Saves Home Energy Loan helps you save energy and be more comfortable in your home!

January 8, 2014

Dow Chemical Employees’ Credit Union has partnered with Michigan Saves and is making saving energy at home, easy, affordable, and smart!

There's no room for guesswork when it comes to improving your home's energy efficiency. There are simply too many features, details and conditions to identify and evaluate. That’s why we’re here to assist as you take control of your energy costs by making easy, affordable financing available to make your house an efficient home.

The path to an energy efficient home is simple:

  • Work with Dr. Energy Saver (1-888-635-6751), a Michigan Saves authorized contractor, to schedule a home inspection and receive an estimate on qualifying energy improvements.
  • Complete the loan application and get a decision within minutes.
  • Once the loan is approved, Dr. Energy Saver will make the energy improvements and is paid. Afterward, you'll sign a Certificate of Completion indicating the improvements were done to your satisfaction, and complete the loan paperwork with the credit union. We'll send the payment to Dr. Energy Saver.

Dow Saves Home Energy Loan Details:

Loan type Personal loan
Eligible Improvements Energy-saving improvements pre-qualified by Michigan Saves and completed by an approved contractor or those recommended and completed through Dr. Energy Saver's home energy checkup.
Loan amount Up to $20,000
Loan term Up to 120 months*
Loan rate As low as 4.24% APR**
Eligible properties Owner-occupied, primary residence, single-family home located in Michigan

Other restrictions apply.

Many home energy problems don't just waste energy and force you to spend money. Home energy problems may also pose health risks and diminish the value of your home.

Turning an energy-wasting home into an energy miser will put money in your pocket that would otherwise go to utility expenses. Improving energy efficiency will go a long way towards improving a home's "green" value by helping reduce harmful greenhouse gas emissions.

For more information about the Dow Saves Home Energy Loan Program, please contact DCECU’s Consumer Loan Department at (989) 835-7794 or (800) 835-7794.

* Example - A $10,000 Home Energy Loan for a term of 120 months with a 4.24% APR, the approximate monthly payment will be $102.40.
** Annual Percentage Rate

back to topDCECU Can Help You Buy Your First Home

June 3, 2012

If you’re looking to buy your first home, DCECU can help. DCECU’s mortgage options include:

Conventional Fixed Rate First Mortgage

  • Offers the same monthly payment and interest rate throughout the life of the loan
  • Available for 10, 15, 20, 25 or 30 years

Balloon First Mortgage

  • Payment and interest rate would remain the same during the balloon term (5 or 7 years)
  • At balloon maturity, you may be eligible to roll the current balance into an available balloon mortgage through DCECU with no closing costs

Jumbo Mortgages

  • Loan amounts available above $417,000 up to $750,000

For information, stop by, call our Mortgage Department at (989) 835-7794 or (800) 835-7794 or visit

back to topTips for ATM Use (Part 3)

June 1, 2012

In the past two issues, we have shared tips on how to best choose an ATM and the most effective and safest ways to use ATMs. In our final installment of "Tips for ATM use," you’ll learn about how to manage your ATM use.

Tip 15

Memorize your PIN, and do not write it down anywhere.

Tip 16

NEVER disclose your PIN to anyone – not even family members, credit union staff or police.

Tip 17

Do not use obvious and guessable numbers for your PIN, such as your date of birth.

Tip 18

Change your PIN periodically. If you think your PIN may have been compromised, change it immediately.

Tip 19

Regularly check your account balance and bank statements, and immediately report any discrepancies to your financial institution.

Tip 20

Please note that you should show the same precautionary care when using your card(s) at a point-of-sale PIN-pad terminal in a retail environment or at a restaurant, when conducting transactions online or by telephone, or when writing checks.

back to topTips for ATM Use (Part 2)

May 8, 2012

Tip 6

Be especially cautious when strangers offer to help you at an ATM, even if your card is stuck or if you are experiencing difficulty with the transaction. You should not allow anyone to distract you while you are at the ATM.

Tip 7

Check that other individuals in the line keep an acceptable distance from you. Be on the lookout for individuals who might be watching you enter your PIN.

Tip 8

Stand close to the ATM and shield the keypad with your hand when keying in your PIN. You also may wish to use the knuckle of your middle finger to key in the PIN.

Tip 9

Follow the instructions on the display screen (e.g., do not key in your PIN until the ATM requests you to do so).

Tip 10

If you feel the ATM is not working normally, press the “Cancel” key, withdraw your card and proceed to another ATM, reporting the matter to DCECU as soon as possible.

Tip 11

Never force your card into the card slot.

Tip 12

Keep your printed transaction record so you can compare your ATM receipts to your monthly statement.

Tip 13

If your card gets jammed, retained or lost, or if you are interfered with at an ATM, report this immediately to the financial institution and/or police.

Tip 14

Do not be in a hurry during the transaction, and carefully secure your card and cash in your wallet, handbag or pocket before leaving the ATM.

back to topTips for ATM Use (Part 1)

April 9, 2012

Tip 1

Where possible, use ATMs with which you are most familiar. Alternatively, choose well-lit, well-placed ATMs where you feel comfortable.

Tip 2

Scan the whole ATM area before you approach it. Avoid using the ATM altogether if there are any suspicious-looking individuals around or if it looks too isolated or unsafe.

Tip 3

Avoid opening your purse, bag or wallet while in the line for the ATM. Have your card ready in your hand before you approach the ATM.

Tip 4

Notice if anything looks unusual or suspicious about the ATM, indicating it might have been altered. If the ATM appears to have any attachments to the card slot or key pad, do not use it. Check for unusual instructions on the display screen and for suspicious blank screens. If you suspect that the ATM has been interfered with, proceed to another ATM and inform the financial institution.

Tip 5

Avoid ATMs that have messages or signs fixed to them indicating that the screen directions have been changed, especially if the message is posted over the card reader. ATM owners will not put up messages directing you to specific ATMs, nor will they direct you to use an ATM that has been altered.


Online Banking

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