TDECU


Overview / Commentary
979-297-1154
1001 Fm 2004 Rd
Lake Jackson, TX 77566

TDECU is headquartered in Lake Jackson and is the 4th largest credit union in the state of Texas. It is also the 72nd largest credit union in the nation. It was established in 1954 and as of June of 2021, it had grown to 860 employees and 353,220 members at 33 locations. TDECU's money market rates are 59% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in TDECU is open to individuals who live, work, worship, or attend school in the Texas counties of Bastrop, Bexar, Blanco, Brazoria, Caldwell, Calhoun, Collin, Comal, Dallas, Denton, DeWitt, Fayette, Fort Bend, Galveston, Goliad, Gonzales, Guadalupe, Harris, Hays, Jackson, Kendall, Lavaca, Lee, Matagorda, Montgomery, Refugio, Tarrant, Travis, Victoria, or Williamson. Employees, retirees, and members of more than 120 companies (including BASF, Dow Chemical, Chevron-Texaco) and organizations also qualify for membership.
See current membership details

Breath of fresh air credit union

Posted by: |

I had been a patron of a commercial bank in the northeast for well over 20 years. They were great at first, with very customer-friendly hours. Over time, and after a merger, the fees started going up and up and up, while customer service went down and down.

After a recent move, I had to choose a new bank. I chose Texas Dow Employees Credit Union, as family members belonged. I was very pleasantly surprised by the service and products. I would never go back to commercial banks. This credit union is like a family and I am very pleased with it.

Great

TDECU is on the campus of my alma matter, the University of Houston. They engage very well with students and young adults in general. I have always had an easy and efficient experience with deposits here. The only con is that this location does not have a drive though. Despite having to go inside, I am greeted each time and deposit slips are pre-filled ! My deposit experience has always been great, fast and easy.

Former Client

Posted by: |

Not a user friendly bank at all and too difficult to set up online banking. They alienate you in their so called effort to protect you. By far the most difficult bank I've ever used. Setting up my business account, accessing the funds has been way too stressful. But they are friendly!

Worst Customer Service I Have Ever Experienced

Customer Service is HORRENDOUS at TDECU. I’ve been waiting since June 20 to get the title to the car I paid off. After numerous phone calls & emails to resolve the problem, it’s obvious that no one at TDECU cares enough to help. I have gotten broken promises, been lied to, put on hold for up to 25 minutes, and given the royal run around. Do yourselves a favor and do business someplace else.

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Health

Health Grade Components

Overall
NCUA #60705
Year Chartered1954
Employees860
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD15.22%
Annual Interest Income$98.8MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$4.40B$3.96B
LoansQ2 2021vs Q2 2020$3.73B$3.46B
DepositsQ2 2021vs Q2 2020$3.75B$3.32B
Equity CapitalQ2 2021vs Q2 2020$376.1MM$330.0MM
Loan Loss AllowanceQ2 2021vs Q2 2020$45.1MM$31.8MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$44.7MM$54.8MM
Real Estate OwnedQ2 2021vs Q2 2020$652.00K$1.8MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not TDECU; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

TDECU Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$50kHigh-Yield Savings
OTHER TIERS: 0.25% $50k+
0.10%$5-Savings
0.10%--Savings IRA
0.10%$5-Club
0.10%--Business Share Savings Account
0.10%--Business Club
0.10%$5-Studio55+ Club

TDECU Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$350k*-Money Market
OTHER TIERS: 0.20% $2.5k - $25k | 0.30% $25k - $100k | 0.40% $100k - $350k

TDECU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$20kHigh-Yield Checking
OTHER TIERS: 0.25% $20k+
0.12%--Business Non- Profit Checking
0.12%$5k-Small Business Checking
0.02%--Classic Checking

TDECU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$100k$500k36 Month Jumbo CD
1.25%$1k-36 Month Standard CD
1.25%$100-36 Month M3 Money Club CD
1.25%$100-36 Month Elements Teen Club CD
1.15%$100k$500k24 Month Jumbo CD
1.05%$100k$500k60 Month Jumbo CD
1.00%$1k-24 Month Standard CD
1.00%$100-24 Month M3 Money Club CD
1.00%$100-24 Month Elements Teen Club CD
1.00%$100k$500k48 Month Jumbo CD
0.90%$1k-60 Month Standard CD
0.90%$100-60 Month M3 Money Club CD
0.90%$100-60 Month Elements Teen Club CD
0.90%$100k$500k30 Month Jumbo CD
0.85%$1k-48 Month Standard CD
0.85%$100-48 Month M3 Money Club CD
0.85%$100-48 Month Elements Teen Club CD
0.80%$100k$500k18 Month Jumbo CD
0.75%$1k-30 Month Standard CD
0.75%$100-30 Month M3 Money Club CD
0.75%$100-30 Month Elements Teen Club CD
0.75%$100k$500k12 Month Jumbo CD
0.65%$1k-18 Month Standard CD
0.65%$100-18 Month M3 Money Club CD
0.65%$100-18 Month Elements Teen Club CD
0.65%$100k$500k6 Month Jumbo CD
0.60%$1k-12 Month Standard CD
0.60%$100-12 Month M3 Money Club CD
0.60%$100-12 Month Elements Teen Club CD
0.50%$1k-6 Month Standard CD
0.50%$100-6 Month M3 Money Club CD
0.50%$100-6 Month Elements Teen Club CD
0.45%$100k$500k3 Month Jumbo CD
0.30%$1k-3 Month Standard CD
0.30%$100-3 Month M3 Money Club CD
0.30%$100-3 Month Elements Teen Club CD

TDECU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-36 Month IRA
1.00%$1k-24 Month IRA
0.90%$1k-60 Month IRA
0.85%$1k-48 Month IRA
0.75%$1k-30 Month IRA
0.65%$1k-18 Month IRA
0.60%$1k-12 Month IRA
0.50%$1k-6 Month IRA
0.30%$1k-3 Month IRA
Locations

Availability



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