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1001 Fm 2004 Rd
Lake Jackson, TX 77566

Texas Dow Employees Credit Union is headquartered in Lake Jackson and is the 5th largest credit union in the state of Texas. It is also the 66th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 696 employees and 182,747 members. Texas Dow Employees Credit Union has a A health rating.

Field of Membership Restrictions

You must be a U.S. citizen or resident alien, live, work or worship in one of TDECU's Membership Zip Codes, and be at least 18 years of age to join online. If your zip code is not listed, you may contact Member Care at 800-839-1154 or visit a TDECU branch to learn if you qualify. - See Details

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Reviews (3)

Tdecu Warning

This credit union used shady business tactics to take thousands of dollars from my family. If you value your money, don't use tdecu.

Don't Trust This Bank With $1

Thes people should be ashamed of themselves. My account was recently cleaned out fraudulently, and instead of reimbursing the money and handling the investigation, we were told we would have to go through the criminal court system if we wanted our money back. This is absurd. I have encountered this situation with Wells Fargo and my funds were returned later that day, but all we got from this "bank" was an attitude. The supervisor informed me that i would have to file a police report in Texas, coordinate with the investigators in NYC to pull surveillance tapes, identify this person and pursue legal action relying on his ability to pay me back. Really? My advice if want to protect your hard earned money, is to find a bank that actually cares about your business. You've been warned!

Texas Dow Employees CU

This credit union is so unorganized. Bluebonnet merged with them at the end of the month and now there are missing transactions. No one has any answers!!! Bluebonnet FCU made a BIG mistake!!!!!!!!!!


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Texas Dow Employees Credit Union had $22.05 million in non-current loans and owned real-estate with $216 million in equity and loan loss allowances on hand to cover it. This gives Texas Dow Employees Credit Union a Texas Ratio of 10.21% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Texas Dow Employees Credit Union decreased slightly from 12.15% as of December 31, 2012 to 10.21% as of December 31, 2013, resulting in a positive change of 16.00%.This indicates that the balance sheet and financial strength for Texas Dow Employees Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Texas Dow Employees Credit Union has increased its total deposits by $190.24 million, resulting in 11.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Texas Dow Employees Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Texas Dow Employees Credit Union has $2.17 billion in assets with $216 million in equity, resulting in a capitalization level of 9.97%, which is above average.

Institution Statistics

NCUA #60705
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$2.17 billion
Loans$1.92 billion
Deposits$1.82 billion
Equity Capital$195.42 million
Loan Loss Allowance$20.58 million
Unbacked Noncurrent Loans$21.82 million
Real Estate Owned$233,000
Historic Data - December 2012
Assets$1.98 billion
Equity Capital$166.60 million
Loan Loss Allowance$26.54 million
Unbacked Noncurrent Loans$21.82 million
Real Estate Owned$3.31 million
Profit Margin - Quarterly
Net Interest Margin5.48%
Return on Assets1.33%
Return on Equity14.72%
Interest Income$107.14 million

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Texas Dow Employees Credit Union Savings Account Rates

0.25%--Savings IRA
0.25%--Savings Roth IRA

Texas Dow Employees Credit Union Money Market Rates

0.40%$100k-Money Market

Texas Dow Employees Credit Union Checking Account Rates


Texas Dow Employees Credit Union CD Rates

1.75%$1k-60 Month CD
1.50%$1k-48 Month CD
1.20%$1k-36 Month CD
1.10%$1k-30 Month CD
1.00%$1k-24 Month CD
0.70%$1k-18 Month CD
0.60%$1k-12 Month CD
0.45%$1k-6 Month CD
0.35%$1k-3 Month CD

Texas Dow Employees Credit Union IRA Rates

1.75%$1k-60 Month IRA (Traditional,Roth)
1.50%$1k-48 Month IRA (Traditional,Roth)
1.20%$1k-36 Month IRA (Traditional,Roth)
1.10%$1k-30 Month IRA (Traditional,Roth)
1.00%$1k-24 Month IRA (Traditional,Roth)
0.70%$1k-18 Month IRA (Traditional,Roth)
0.60%$1k-12 Month IRA (Traditional,Roth)
0.45%$1k-6 Month IRA (Traditional,Roth)
0.35%$1k-3 Month IRA (Traditional,Roth)

Texas Dow Employees Credit Union has 30 locations. Click to view all Texas Dow Employees Credit Union locations.