Estate planning at Dow CU
How to protect 18 Dow CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Contact Center
Phone989-835-7794
Toll-Free1-800-835-7794
Fax989-832-9283
Mailing Address
Dow Credit Union, P.O. Box 1649, Midland, MI 48641-1649
Lost or stolen Visa Debit / ATM cards (24/7)
Lost or stolen Visa Credit cards (24/7)
YourRewards Hotline (24/7)
WebsiteLearn more→
Member Contact Center
Phone989-835-7794
Toll-Free1-800-835-7794
Fax989-832-9283
Mailing Address
Dow Credit Union, P.O. Box 1649, Midland, MI 48641-1649
Lost or stolen Visa Debit / ATM cards (24/7)
Lost or stolen Visa Credit cards (24/7)
YourRewards Hotline (24/7)
WebsiteLearn more→
Member Services - Deceased Member Accounts
Phone989-835-7794
Toll-Free1-800-835-7794
Fax989-832-9283
Mailing Address
Dow Credit Union, P.O. Box 1649, Midland, MI 48641-1649
WebsiteNotify online→
Verified Jul 2026
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. Nearly 84,000 members across all 50 states and 40 countries. Branch locations in Midland (600 E Lyon Rd) and Saginaw (5420 Gratiot Rd), Michigan. Part of the CO-OP shared network with access to over 30,000 surcharge-free ATMs. 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.
Dow CU lets account holders update beneficiary designations in branch, by mail, and by phone, typically taking 15-30 minutes in branch; 1-2 weeks 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.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 18 account types at Dow CU.
View details →When someone dies
Death claim process
6-step process, 7 required documents, and contact information for survivors.
View details →Frequently asked questions
Dow Credit Union offers Deposit Trust Accounts, which can hold checking, savings, high-yield deposits, and certificates with full online and mobile banking. Two Dow-specific gates apply: at least one grantor must be an individual Dow Credit Union member (the field of membership expressly covers "Revocable Trusts in which the Grantor is also a member of Dow Credit Union"), and the grantor must also serve as trustee. Bring a Certificate of Trust Existence and Authority (or the first and last signature pages of the trust) plus any amendments, a notarized Agreement to Facilitate form signed by all grantors and trustees, government-issued photo ID for every trustee, and the trust EIN or grantor SSN. Call 1-800-835-7794 or visit a branch to start.
Yes. IRAs and HSAs cannot be retitled into a trust under IRS rules, but a revocable or irrevocable trust can be named as the primary or contingent beneficiary on a Traditional IRA, Roth IRA, IRA Certificate, HSA Savings, or HSA CD. Each of these uses its own beneficiary designation form, separate from the POD designation on your deposit accounts, so updating one does not update the others. Spousal consent may be required for IRA beneficiary changes. Call 1-800-835-7794 or ask at the Retirement and Investment Center located inside Dow Credit Union.
Sources
Data sourced from Dow CU primary sources (16 pages reviewed). How we research.
Member Contact Center
Phone989-835-7794
Toll-Free1-800-835-7794
Fax989-832-9283
Mailing Address
Dow Credit Union, P.O. Box 1649, Midland, MI 48641-1649
Lost or stolen Visa Debit / ATM cards (24/7)
Lost or stolen Visa Credit cards (24/7)
YourRewards Hotline (24/7)
WebsiteLearn more→
Member Contact Center
Phone989-835-7794
Toll-Free1-800-835-7794
Fax989-832-9283
Mailing Address
Dow Credit Union, P.O. Box 1649, Midland, MI 48641-1649
Lost or stolen Visa Debit / ATM cards (24/7)
Lost or stolen Visa Credit cards (24/7)
YourRewards Hotline (24/7)
WebsiteLearn more→
Member Services - Deceased Member Accounts
Phone989-835-7794
Toll-Free1-800-835-7794
Fax989-832-9283
Mailing Address
Dow Credit Union, P.O. Box 1649, Midland, MI 48641-1649
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Dow CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
