Estate planning and settlement at Dow CU
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-835-7794
Dow CU offers 18 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, Dow CU originally an employer-based credit union for Dow, Inc. employees. Opened membership to all Michigan residents in April 2025. Nationwide membership available via $10 donation to Multipliers for Good fund. 83,961 members (NCUA, charter #60137) across all 50 states and 40+ countries. Only two branches, both in Michigan: Midland (600 E Lyon Rd) and Saginaw (5420 Gratiot Rd). Part of the CO-OP shared network with access to over 39,000 surcharge-free ATMs. Out-of-state members and out-of-state executors therefore work the estate by mail, fax, secure email, and phone rather than in person; in-person appointments are bookable only at the Midland lobby (https://outlook.office365.com/owa/calendar/AccountServices1@dowcreditunion.org/bookings/). Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Beneficiary designations at Dow CU can be managed in branch, by phone, and by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Dow CU provides specific procedures for both proactive estate planning and filing claims after a death.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 18 account types at Dow CU.
Preparing your estate →Death claim process
Report the death to Dow CU's Deceased Member Accounts at 1-800-835-7794. The page lists the steps and the documents to send.
When someone dies →For questions about any of these procedures, contact Dow CU's Account Services Department at 1-800-835-7794.
Sources
Data sourced from Dow CU primary sources (15 pages reviewed). How we research.
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Estate planning articles
Learn how to protect your Dow CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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