2024 Overview
General Credit Union Information
Dow is an NCUA insured institution located in Midland, MI. It was founded in 1937 and has approximately $2332.88 millions in assets.
Who can join?
Employees and retirees of The Dow Chemical Company and its affiliated companies
Employees and retirees of the Dow Corning Corporation and its affiliated companies
Employees and retirees of Select Employer Groups
List of Select Employer Groups: https://www.dcecu.org/auMembership.html#ql-cnt-5
Employees and retirees of the Dow Chemical Employees' Credit Union
Any relative of any member or any individual living under the same roof and in the same single-family household of any member.
Revocable Trusts in which the Grantor is also a member of Dow Chemical Employees' Credit Union
Individual owners* of stock in The Dow Chemical Company
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60137 |
| Date Established | 1937 |
| Assets | $2,332.88 million |
| Loans | $1,241.90 million |
| Deposits | $2,111.62 million |
| Capital | $232.50 million |
Field of Membership Restrictions
Membership in Dow Chemical Employees Credit Union is open to the current and retired employees of the Dow Chemical Company and the Dow Corning Corporation and their affiliates. Membership is also open to individual owners of stock in the Dow Chemical Company and employees of Hemlock Semiconductor Corporation and over 20 Select Employer Groups.
Deposit Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Prime
|
0.35% | $0 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month Simple
|
5.00% | $500 | - |
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|
| 6 Month Simple
|
4.70% | $500 | - |
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|
| 12 Month Simple
|
4.20% | $500 | - |
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|
| 13 Month Simple Special
|
4.40% | $500 | - |
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|
| 18 Month Simple
|
4.00% | $500 | - |
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|
| 24 Month Simple
|
3.80% | $500 | - |
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|
| 36 Month Simple
|
4.00% | $500 | - |
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|
Loan Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Dow
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,852 | $2,103 | Learn More |
NMLS ID: 3030 |
7.313% | 7.250% | 0.63 | $2,000 | $2,183 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Dow
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Branches
Below are Dow branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
DOW is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Dow Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Dow. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Dow | U.S. Average |
|---|---|
| 2.46% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Dow had $5,599,703 in non-current loans and $203,329 in owned assets. To cover these potential losses it had $232,499,044 in net worth and $3,794,822 in loans loss reserves. That gives it a Texas Ratio of 2.46%.
Net Worth
| Dow | U.S. Average |
|---|---|
| 9.96% | 13.93% |
Dow FCU has a net worth of 9.96% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Dow
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