Dow Chemical Employees’ Credit Union


back to topStop the Data Breaches

May 11, 2015

Stop the Data Breaches

You may recall the widely publicized Target and Home Depot data breaches resulting in millions of debit and credit card numbers being compromised. You may have even been a victim of one of these incidents. According to estimates by the Credit Union National Association, American credit unions lost $88 million dollars between the two breaches. Further, NBC News reported that over 1,500 data security breaches occurred in 2014 which exposed over 1 billion data records.

As a credit union member-owner, losses from merchant data breaches affect you! Every dollar DCECU subsidizes for someone else’s data breach is one dollar that is not returned to our members in the form of new or enhanced products or services, technology, or our Member Giveback program.

While DCECU places a high priority on the protection of member financial data, merchants and processors are not held accountable for protecting the security, confidentiality, and integrity of personal information collected from or about consumers. This is where you come in.

Just recently two bills were introduced in Congress, H.R. 2205 and S. 961, both titled the Data Security Act of 2015, which would set national data security standards for merchants and outline a process for breach notifications. DCECU urges our members to reach out to their lawmakers and show their support for these bills. Congress needs to hear from credit union members who are ultimately bearing the cost of merchant irresponsibility.

Take Action – contact Congress

Learn more –

back to topClosing Notice: May 23 & 25

May 8, 2015

In observance of Memorial Day, the credit union will be closed on Saturday, May 23 and Monday, May 25.

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

back to topNotice: Parking Lot Renovation

May 7, 2015

Due to renovations, our parking lot and parking lot ATM will be closed the evening of May 22 through May 25.

back to topVisa Debit Card - Possible compromise

May 1, 2015

Dow Chemical Employees’ Credit Union has been notified by our Visa® Debit Card processor of a possible compromise. Visa does not disclose the name of the merchant/processor that may have been compromised. Our internal cardholder database was not affected.

If at any point we identify cards that were exposed, you’ll receive a communication from us and a new debit card. And as a reminder, DCECU’s debit card is backed by Visa’s zero percent liability for confirmed fraud.

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!


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