Dow Chemical Employees’ Credit Union


back to topWarning! Local Phishing Activity Detected

June 26, 2015

Safeguard Your Personal Information

We are aware that individuals in the Great Lakes Bay region have been receiving phishing calls. It appears the perpetrators of these calls are trying to obtain sensitive debit card information. Please remember that DCECU will never contact you unsolicited requesting information such as account numbers, usernames, passwords, card numbers, etc.

Protect Yourself against Fraud and Identity Theft

back to topClosing Notice

June 17, 2015

In observance of Independence Day, the credit union will be closed on Friday, July 3 and Saturday, July 4.

As always, our services are available 24 hours a day with your DCECU Visa® Check Card, ATM card, 1Call, Mobile Banking and Online Banking.

back to topProtect Yourself against Fraud and Identity Theft

June 17, 2015

We recognize that keeping your personal information private is extremely important for a variety of reasons. In an effort to help you do just that, here are several tips and suggestions to help keep your information safe:

  • DO NOT give personal information on the phone, through mail, or over the Internet unless self-initiated. This includes credit card numbers, financial information, or social security number.
  • Safeguard all identification, credit cards or other documents (including account statements) containing personal or financial information.
  • Regularly examine your financial statements and report discrepancies immediately to your financial institution and/or law enforcement if applicable.
  • Do not carry more identification (driver’s license, social security card, passport, etc.) credit or debit cards than you will use.
  • Shred or otherwise properly dispose of documents that contain your personal information.

Security of your account and your private information begins with you.

back to topDCECU Awards $15,000 in Scholarships to Local Students

June 16, 2015

Through the Dow Chemical Employees’ Credit Union Members Endowed Scholarship program, administered by the Midland Area Community Foundation, DCECU awarded eight $1,500 scholarships to members in good standing. Additionally, two $1,500 scholarships were awarded to family members of employees through a separate scholarship fund.

The 2015 scholarship winners, their fields of study and their schools are:

  • Rebecca Bell – elementary education at Central Michigan University
  • Joseph Berenyi – applied science at Delta College or Mid-Michigan Community College
  • Chelsea Chritz – comprehensive science and arts for teaching special education at Grand Valley State University
  • Mallory Fisher – marketing at Saginaw Valley State University
  • David Green – chemistry and economics at Hope College
  • Brooke Headley – physical therapy assistant program at Delta College
  • Brittanie Morse – business management at Northwood University
  • Shane Mudd – architecture and civil engineering at Lawrence Technological University
  • Rachel Nitz – elementary and secondary education at Martin Luther College
  • Katie Powell – accounting at Saginaw Valley State University

To be eligible for the DCECU Members Endowed Scholarship, you must be planning to attend or already attending an accredited community college or four-year institution. You can apply each year by visiting the Midland Area Community Foundation’s website at


June 8, 2015

Make the most of your summer with two great deals on our Visa credit cards—designed to help you save more money and earn more points.

Pocket more savings with low-rate balance transfers.*

This summer, when you transfer your existing balance to any DCECU Visa credit card, you can take advantage of our 3.90% APR* balance transfer deal.

Transferring your balance to your existing DCECU card is simple. Just log on to Online Banking, select the “Loans” tab, click Visa Credit Card, then click Services, then Balance Consolidation to get started.

Get more points for every swipe.**

We're offering our Rewards Visa cardholders the opportunity to earn double points whenever they use their card this summer. If you're a current cardholder you're automatically eligible to earn two (2) YourRewards points for every net retail $1 you spend.

That's double points you can use for travel, merchandise, gift cards and more!

NOT A DCECU VISA CARDHOLDER? Follow the link below and log in to Online Banking. Select the “Loans” tab, and then click Consumer Loan Request to get your application started.


Choose the DCECU Visa card that's right for you.

Low Rate Visa

Take advantage of a low interest rate with our Low Rate Visa credit card.

  • No Annual Fee
  • Online Banking access
  • 25-Day free interest grace period
  • Chip-Enabled EMV Security
  • A 3.90% APR Introductory rate on balance transfers for your first 90 days

Rewards Visa

Our Rewards Visa credit card gives members the opportunity to earn rewards points whenever and wherever they use their card.

  • Earn 1 point for every net retail $1 you spend
  • Redeem your points for travel, gift cards, merchandise and more
  • Enjoy a variable-interest rate and no annual fee
  • Receive double rewards points for your first 90 days

Remember, no matter which card you choose, both of our Visa credit cards qualify for the Potential Year-End Loan Interest Rebate*** on the interest you pay on your card.

* Balance transfers completed between June 1 – August 31, 2015 will receive 3.90% APR through September 22, 2016.
** Valid for credit cards with YourRewards program.
*** Please note that while year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed.

back to topThinking of Purchasing a Home? Let Us Help.

April 21, 2015

When it comes to buying a home there are many financing options available, but it can be difficult to determine which one is right for you. We can help.

Consider DCECU’s mortgage loans which offer low rates and low down payments. We offer a variety of mortgage options, including the Conventional Fixed Rate First Mortgage, Balloon First Mortgage and Jumbo Mortgage. Additionally, many of our mortgage loans qualify for the potential year-end Member Giveback and Loan Interest Rebate.1

Eligible Property Types for All Mortgages and Equities

Owner occupied principal residence and second residence properties2 located in the state of Michigan; must be developed and non-agricultural use.

Conventional Fixed Rate First Mortgage

Our 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.

Balloon First Mortgage

If you don’t intend to stay in a home for a long period of time, consider the Balloon First Mortgage. The Balloon First Mortgage 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 paid off or refinanced at the end of the term. At balloon maturity, you may be eligible to roll the current balance into an available balloon mortgage through DCECU with no closing costs.

Jumbo Mortgage

If your mortgage loan amount exceeds the conventional limit, we offer a Jumbo Mortgage. Loan amounts are available up to $1,000,000.

Unlock the purchasing power of your home with DCECU’s “Prime Home Equity” Line-of-Credit or our Single Advance Home Equity Loan.

Whether you are planning some home improvements, looking to consolidate debt, finance a college education, purchase a vehicle or cover other expenses, take advantage of our great Home Equity Loans!

Single Advance Home Equity Loan

Our Single Advance Home Equity Loan allows you to borrow a lump sum amount based on the value of the equity in your home. This loan has a fixed term and is ideal for members that have a particular project or purchase in mind, and therefore know the exact amount they need to borrow. Loan amounts are available up to $250,0003.

“Prime Home Equity” Line-of-Credit

The “Prime Home Equity” Line-of-Credit Loan lets members keep an open line-of-credit for 10 years so you can tackle projects now and into the future.

To learn more, stop by or call our Mortgage Department at 989.835.7794 or 800.835.7794 or visit Click “Mortgage Loans” on our website to apply now.

  1. Please note that while year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed.
  2. Does not include income properties
  3. Some limitations apply.

back to topPlanning a Trip Abroad?

April 20, 2015

Take advantage of our Foreign Currency Services

Members have the option to order foreign currency and have it delivered to their home.

This service provides access to the same currency that is available by ordering in-branch. You can schedule delivery as soon as next day or as far out as 21 days (with shipping fees ranging from $10 – $12).

You can access this new feature here.

Please note: this option’s terms, limits and rates are set differently from in-branch transactions.

If you have questions, please call us at 989.835.7794 or 800.835.7794!


Online Banking

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