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 71st largest credit union in the nation. It was established in 1954 and as of March of 2021, it had grown to 846 employees and 360,380 members at 29 locations. TDECU's money market rates are 59% higher than the national average, and it has a B+ 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!

The Crummiest Service I've Ever Experienced!

We were referred to this credit union by a family member who said he's had satisfactory service for about 30 years so we thought Great, we were having bad service with Bank of America. When we filled out the app online we stated we had questions. It was stated their customer service would be in contact within 24-48 hours so we waited. Turns out all questions needed to be submitted via the Secured Message area. We found this out about a week later when we called to complain. My fiance submitted an app to ADD another account and after a week he was notified that app was not received. He had a documented email that acknowledged it's receipt.

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Health
B+

Health Grade Components

Overall
NCUA #60705
Year Chartered1954
Employees846
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD14.38%
Annual Interest Income$49.5MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$4.36B$3.76B
LoansQ1 2021vs Q1 2020$3.66B$3.22B
DepositsQ1 2021vs Q1 2020$3.72B$3.14B
Equity CapitalQ1 2021vs Q1 2020$360.4MM$321.2MM
Loan Loss AllowanceQ1 2021vs Q1 2020$46.4MM$29.5MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$47.9MM$25.6MM
Real Estate OwnedQ1 2021vs Q1 2020$795.00K$2.3MM
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
0.10%$5-Savings
0.10%--Escrow
0.10%--Savings IRA
0.10%$5-Club
0.10%--Business Share Savings Account
0.10%--Business 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
0.70%*$350k*-IRA 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
1.25%$1k-36 Month Standard CD
1.25%$100-36 Month M3 Money Club CD
1.25%$100-36 Month Elements Teen Club CD
1.00%$1k-24 Month Standard CD
1.00%$100-24 Month M3 Money Club CD
1.00%$100-24 Month Elements Teen Club 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
0.85%$1k-48 Month Standard CD
0.85%$100-48 Month M3 Money Club CD
0.85%$100-48 Month Elements Teen Club CD
0.75%$1k-30 Month Standard CD
0.75%$100-30 Month M3 Money Club CD
0.75%$100-30 Month Elements Teen Club CD
0.65%$1k-18 Month Standard CD
0.65%$100-18 Month M3 Money Club CD
0.65%$100-18 Month Elements Teen Club CD
0.60%$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
0.30%$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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