Safe Harbor Credit Union was chartered in 1952 by employees of the Ludington Plant of Dow Chemical Company. The founders established our credit union to provide a safe, friendly environment where Dow’s Ludington employees and their families could place their savings and receive a good rate of return, as well as borrow for productive purposes at a lower, fair rate of interest. Our credit union has grown steadily over the years. Several years ago, our charter was amended to expand our field of membership to include other groups in addition to Dow Ludington employees. We currently have more than 100 groups. As a result of our expanded field of membership, we changed our name in February of 2000 from Dow Ludington Employee’s Credit Union to Safe Harbor Credit Union.