Dow Chemical Employees’ Credit Union


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 topLook What's New!

November 20, 2014

Now all of our High Yield Deposit Accounts are Premium!

As of October 1st, DCECU has upgraded all of our High Yield accounts to Premium High Yields! Some of the great features of this product is a tiered rate of return starting at just $2,500, no minimum deposit or withdrawal restrictions, and the first three withdrawals per month are FREE. Members can have up to two Premium High Yield Accounts.

Youth CDs available. Start saving today!

Our young members will have the ability to invest in a 6 or 12-month Certificate of Deposit, starting with a minimum deposit of $500.00. These new certificates also give the option to make additional deposits of $50 or more throughout the term of the Certificate of Deposit. The Youth CD is available to members if CD term maturity occurs before their 18th birthday.

Invest Long-Term with increased flexibility.

DCECU is also offering members two new Certificate terms! We now offer a 48 and 60-month BUMP Rate Certificate of Deposit! A feature included in these CDs allows members the ability to “Bump” the rate one time during the term of the CD.

To learn more, stop by, call 989.835.7794 or 800.835.7794 or visit our Share Accounts page.

back to topDCECU Mortgages & Home Equity Loans – All Loans Are Not Created Equal

November 19, 2014

All mortgages and home equity loans are not the same, and it’s important to understand the differences. When it comes to buying a home or borrowing from your home’s equity, there are many financing options available, making it difficult to determine which one is right for you.


Purchasing a home? Before you start searching the web and local real estate guides, talk to DCECU about which mortgage option is right for you. DCECU offers mortgages with affordable rates and easy terms for homes located in Michigan. We may even be able to finance your vacation home in Michigan.

DCECU’s Conventional Fixed Rate First Mortgage is a great option for many members. This loan offers the same monthly payment and interest rate throughout the life of the loan.

Consider the Balloon First Mortgage if you don’t intend to stay in a home for a long period of time. This loan allows you to make a lower monthly payment while building equity in your home. While your payment and interest rate would remain the same during the balloon term, the remaining balance would need to be refinanced or paid off at the end of the term.

Additionally, DCECU now offers Jumbo Mortgages with loan amounts available up to $1,000,000.1

Home Equity Loans

Spending your savings on a major expense doesn’t always make sense. A better solution for homeowners may be a “Prime Home Equity” Line-of-Credit (HELOC) or a Single Advance Home Equity Loan from DCECU. Once you’ve established equity, a HELOC or Home Equity Loan can be used for major purchases, remodeling projects, home repairs, emergencies, or to pay off higher-rate debt.

Both the “Prime Home Equity” Line-of-Credit and Single Advance Home Equity Loan offer loan amounts up to $250,000 and are available on second homes.2

To learn more, stop by or call our Mortgage Department at 989.835.7794 or 800.835.7794 or visit our mortgage page to apply now.

  1. Some limitations apply.

  2. Does not include income producing properties or non-Michigan homes.

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.

back to topSpend Less Time and Money Paying Your Bills.

September 26, 2014

DCECU’s Bill Pay is quick, convenient, and much cheaper than using a stamp to send a check. Most importantly, your payments are private and secure!

Bill Pay gives you the flexibility of paying bills in minutes. Bill Pay users can review their bills online and make payments with the click of a mouse. With Bill Pay you can pay anyone, anytime, anywhere.

You’ll Also Enjoy These Great Benefits:

  • Schedule recurring or one time payments up to 16 months in advance
  • Easily add, edit, or remove payees
  • 24/7 access to balance history and pending transactions

Special Occasions

You can use Bill Pay to send gift checks* for special occasions. It’s as simple as typing your message, selecting the dollar amount, and Bill Pay will mail it for you.

  • Email money to a college student
  • Send a personalized holiday or birthday card

Bill Pay can be found under the Transfers menu in Online Banking and activating is easy.


Contact us via “Secure Online Chat” on our website, call at 989.835.7794 or 800.835.7794, or stop in between 7:30 a.m. and 5:30 p.m. for help.

* Small fees apply.


Online Banking

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