Dow Chemical Employees’ Credit Union


back to topHelp Save Lives By Donating Blood

March 27, 2015

DCECU will host a community blood drive from 9:00 a.m. to 1:00 p.m. on Thursday, April 9. All blood types are needed, and every pint donated can potentially save up to three lives.

Appointments are available every 15 minutes. Walk-ins also are welcome. Donors should allow one hour for their visit. For more information and donor eligibility requirements, visit the Michigan Blood website at or call DCECU at 989.835.7794 or 800.835.7794.

back to topIntroducing Automated Assistant Jill
from Falcon Card Member Security!

March 26, 2015

Automated Fraud Protection for Your DCECU ATM and VISA® Check Card

At DCECU, we make the security of your financial information one of our top priorities. No matter how diligent you may be with your financial records and transactions, fraud can unfortunately happen anywhere and to anyone.

Introducing automated assistant Jill – a powerful and free new feature for your DCECU ATM and VISA Check Card! A part of the Falcon fraud detection service, which monitors DCECU debit and credit card activity to help identify and prevent fraudulent transactions, Jill is a state-of-the-art automated assistant to help members review transactions and confirm their spending activity on DCECU ATM and VISA Check Cards.

If you receive a notification call from Jill, please work with the automated assistant to answer questions regarding recent card activity. If suspicious transactions are identified as fraudulent, calls will be transferred to a support team member at Falcon Card Member Security to help you take the necessary precautions to protect your ATM and VISA Check Card and related accounts. If the recent activity is legitimate, you will be able to close the case using your touch-tone phone. Please note that a member of the Falcon Card Member Security team is available 24 hours-a-day, 7 days-a-week, should you need assistance from a live agent. To contact the Falcon Card Member Security team from within the United States, call 888.241.2440, or outside of the United States, call 909.941.1034.

Questions? Please call us at 989.835.7794 or 800.835.7794.

back to topDCECU Makes it Easier to Do Business with Us

March 24, 2015

You talked. We listened.

Many members expressed concern regarding the inconvenience of limitations placed on certain withdrawals from share/savings accounts each month. In response, DCECU found a cost-effective and compliant solution to address this issue.

On March 17, 2015, we implemented a regulatory accounting change which will allow members to complete transactions more freely from their share (savings) accounts each month. The monthly limit of six overdrafts from savings to checking for certain preauthorized or electronic transfers from savings is no longer applicable. This change applies to all prime share and secondary share account types. Members will see this change reflected on their Account Summary screen in online banking as follows:

In the spirit of our service promise to ‘make it EASY for you to do business with DCECU,’ we are pleased to offer this new feature. For questions, stop by or call us at 989.835.7794 or 800.835.7794.

back to topClosing Notice: Friday, April 3 and Saturday, April 4

March 19, 2015

In observance of Good Friday, the credit union will be closed on Friday, April 3 and Saturday, April 4.

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 our Online Banking at

back to top2015 Annual Privacy Notice

Federal law requires us to tell you how we collect, share, and protect your personal information. The DCECU Privacy Notice is available on our website here for your review of our policy and practices with respect to your personal information. Our Privacy Notice has not changed since June, 2014 when we last provided it to you. You may print a copy of this notice from our website or request a free paper copy by stopping in to our office or by calling 989.835.7794 or 800.835.7794.

Your Adventure Awaits! Go exploring with a great new rate.

back to topSpring Loan Sale

March 12, 2015

Find the perfect loan for your perfect adventure.

DCECU wants you to get out and enjoy yourself this season so we’re offering great loan rates on autos, trucks, and a wide range of recreational vehicles including: motorcycles, boats, jet skis, ATVs and motor homes.

So whether you want to hit the road, soak up the sun, or experience the great outdoors, we’ve got a great low-rate loan to help.

Auto Loan Rates as low as 1.89%* APR -- RV Loan Rates as low as 2.39%* APR

Apply Now

Hurry—Offer ends April 24!

Login to Online Banking and apply today.
Not a member yet? Sign up and start saving today.**

*APR = Annual Percentage Rate. 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. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. **Membership eligibility required. While year-end rebates occur with great regularity, they are not guaranteed.

back to topNEW! Open Certificates of Deposit Online

December 26, 2014

Certificates of Deposit (CDs) are an excellent way to save and earn. Our CDs offer superior interest rates, are available in a variety of terms, and with Online Account Opening it’s now easier than ever to open a new Certificate of Deposit at Dow Chemical Employees’ Credit Union!

To open a Certificate of Deposit, take advantage of DCECU’s easy Online Account Opening by logging into Online Banking and selecting “Open New Share”. The process is fast, easy, and secure.

back to topEnvelope-Free Deposit ATM Upgrades

December 9, 2014

Some deposit ATMs in DCECU’s fleet have been upgraded to Envelope-Free!

It’s a fast, easy new way to make deposits at the ATM.

No more envelopes, no more adding up totals. The ATM does the work for you. Insert all cash at the same time in the cash slot, and all checks at the same time in the check slot, and the ATM counts it for you.

Check deposits still fall under DCECU’s current funds availability rules, but all cash deposits are available immediately.

A detailed receipt is also available showing copies of the checks deposited and a breakdown of the cash deposited.

Visit one of DCECU's Envelope-Free ATMs if you would like to experience this fast, easy new way to make a deposit.

The following ATMs are now Envelope-Free:

  • DCECU lobby
  • DCECU Main Drive-Up
  • Behind Forward Shell
  • Dow Eastlawn Dr
  • Sanford Food Pride
  • Northwest Plaza
  • Midland Plaza
  • Plymouth Square
  • M-20
  • N. Saginaw Rd (Northwood)
  • Joe Mann

back to topSign Up For Our Electronic Tax Forms

November 22, 2014

With DCECU’s free Documents service, there’s no need to wait by the mailbox for your tax statements from the credit union. To sign up, click the “Documents” tab in Online Banking, click the “Delivery Options” link and use the radio buttons to change the delivery option for tax statements from “Paper” to “Electronic.”

Once you sign up for electronic tax statements, you will receive email notifications when they become available. You can then view, download and print your tax statements instead of receiving hard copies in the mail. In fact, you can receive most of your DCECU statements, notices, disclosures and agreements online in an electronic format instead of paper by signing up for DCECU Documents. It’s free, fast, safe, simple and green.

Learn more about our electronic services, including Online Banking, Mobile Banking, Documents, Bill Pay and Alerts on our eServices page.

back to topRegarding the Recent “POODLE” Bug

October 27, 2014

An Internet-wide alert was recently released regarding the “POODLE” bug. As part of our ongoing efforts to ensure the safety of your information and finances, DCECU will be disabling SSLv3, an older encryption protocol, on our systems starting today.

For continued access to our systems, you will need TLS 1.0 or greater enabled within your browser. (This is already the case in all modern browsers.) If you encounter any issues accessing our systems, please reach out to your system administrator or perform an Internet search for instructions on enabling TLS in your browser.

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


Online Banking

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