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New Membership

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Eligibility
Applying is fast and easy!

To apply online, applicants must be a U.S. citizen or legal U.S. resident. Prior to completing the application, you will be asked to give Dow Credit Union authorization to pull a credit report for each applicant 18 years of age or older.

You will need the following information in order to complete the application:
Government issued ID/Drivers License/State ID or Passport with current address
Your complete physical and mailing address
Social Security Number

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you: When you open a new account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver's license or other identifying documents.
Select your eligibility
I am an employee or retiree of:
I am a relative of or live with an existing Dow Credit Union member:
I am a member of:
I am a relative of or live with an employee or retiree of:
I am an individual owner of Dow Inc. stock
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Required Products
Select the following products required for membership
Prime Share Savings

  • A required account for all members which allows you to become an owner of the credit union
  • Requires a $5.00 deposit, which is held to maintain your membership
  • Pays quarterly dividends
  • Funds can be used to provide overdraft protection for your checking account or are conveniently available to you
  • Additional Details & Disclosure

APY: 0.30% Min Deposit: $5.00

New Member Checking

  • Pays quarterly dividends and offers no per check fees or no monthly statement fees
  • Overdraft options available
  • Free Online Bill Pay
  • Additional Details & Disclosure

APY: 0.20% Min Deposit: $0.00


In addition, select one of the following products
Available Products
Secondary Share Savings

APY: 0.30% Min Deposit: $0.00

Club Account

  • Save for holiday or other scheduled expenses
  • Account renews automatically each year on the date you choose
  • At maturity, funds are transferred automatically to your Prime Share
  • Additional Details & Disclosure

APY: 0.30%

Simple High Yield

  • Offers our highest APY for each tier, but is not eligible for the potential year-end Member Saver Reward
  • A tiered account that offers higher earnings than regular share accounts and automatically adjusts as your balance changes
  • Up to six withdrawals or transfers per month in accordance with regulatory limitations
  • Additional Details & Disclosure

Max APY: 1.57% Min Deposit: $0.00

Premium High Yield

  • A tiered account that earns a competitive yield and automatically adjusts as your balance changes
  • Eligible for the potential year-end Member Saver Reward (while this credit union benefit occurs with great regularity it is not guaranteed)
  • No restrictions on deposit or withdrawal amounts
  • Up to six withdrawals or transfers per month in accordance with regulatory limitations
  • Additional Details & Disclosure

Max APY: 1.31% Min Deposit: $0.00

APY (Annual Percentage Yield)
Please answer the following question(s)
How did you hear about Dow Credit Union?*
Please enter the persons name who referred you to Dow Credit Union.*
Please describe how you heard about Dow Credit Union.*
A code word is required to obtain account information and complete transactions when you contact the credit union by telephone. It must contain 2-25 alphanumeric characters.*
You will need to establish a code word hint in the event you have forgotten your code word. Your code word and hint cannot be the same.*
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Description

Details
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Additional feature(s)
Add Account Save Account OK
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Choose your rate
Specify the amount to deposit
Choose your term

Accept

Application Cancelled

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Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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Funding
How much do you want to deposit?
$0.00
How do you want to fund your new account?
Not Funding At This Time
Credit Card (max $499.00)
Internal Transfer

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

There was a problem with your request

Transfer from another finacial institution

Insufficient Balance

This account does not have sufficient balance to cover the total required deposit.

Please select another account.
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Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
Instant Account Verification
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
Click for more information
Your Business Tax ID is used for identification purposes.
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
DBA Physical Address

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

Please upload the documents below, these may be required for final account approval: 
  • Driver's License or State ID   
  • Also applying for a loan?  Please attach your 2 most recent paystubs

Co-Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment
Please upload the documents below, these may be required for final account approval: 
  • Driver's License or State ID   
  • Also applying for a loan?  Please attach your 2 most recent paystubs

Beneficiaries Information

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Tell us about your beneficiaries
Are you sure you want to remove this beneficiary?
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.