Overview / Commentary
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 74th largest credit union in the nation. It was established in 1954 and as of December of 2022, it had grown to 952 employees and 382,376 members at 37 locations. TDECU's CD rates are 5X 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 Bank, Horrible Cards

Posted by: |

I would give this Bank a 5* if not for their debit/credit cards. The chip cards they issue are the absolute worst. 90% of the time the chip doesn't even work and depending on where you go, this may cause you to not even be able to make a purchase. Then if you can swipe after a few failed attempts with the chip, there's a chance the bank will block your card. Customer service is good but shouldn't have to deal with them for an issue like this to begin with. UPDATE YOUR DEBIT/CREDIT CARDS. They don't even offer the tap cards. Banking here is like banking a decade behind everyone else. Other than that, they're not a bad bank, just issue really bad cards.

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!

Five Negative Star Review

Do not do business with this completely unprofessional, dishonest, thieving company. Even with a court order, they have refused to return my deceased family member's very small account.



Health Grade Components

NCUA #60705
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD8.02%
Annual Interest Income$219.5MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$4.70B$4.54B
LoansQ4 2022vs Q4 2021$4.34B$3.77B
DepositsQ4 2022vs Q4 2021$3.91B$3.87B
Equity CapitalQ4 2022vs Q4 2021$440.4MM$406.4MM
Loan Loss AllowanceQ4 2022vs Q4 2021$43.6MM$39.7MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$57.2MM$45.2MM
Real Estate OwnedQ4 2022vs Q4 2021$0$1.1MM
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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

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

TDECU Money Market Rates

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

TDECU Checking Account Rates

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


4.90%$100k$500k18 Month Jumbo CD
4.75%$1k-18 Month Standard CD
4.75%$100-18 Month M3 Money Club CD
4.75%$100-18 Month Elements Teen Club CD
4.65%$100k$500k12 Month Jumbo CD
4.50%$1k-12 Month Standard CD
4.50%$100-12 Month M3 Money Club CD
4.50%$100-12 Month Elements Teen Club CD
4.40%$100k$500k24 Month Jumbo CD
4.25%$1k-24 Month Standard CD
4.25%$100-24 Month M3 Money Club CD
4.25%$100-24 Month Elements Teen Club CD
2.55%$100k$500k60 Month Jumbo CD
2.50%$100k$500k48 Month Jumbo CD
2.45%$100k$500k36 Month Jumbo CD
2.40%$1k-60 Month Standard CD
2.40%$100-60 Month M3 Money Club CD
2.40%$100-60 Month Elements Teen Club CD
2.40%$100k$500k6 Month Jumbo CD
2.40%$100k$500k30 Month Jumbo CD
2.35%$1k-48 Month Standard CD
2.35%$100-48 Month M3 Money Club CD
2.35%$100-48 Month Elements Teen Club CD
2.30%$1k-36 Month Standard CD
2.30%$100-36 Month M3 Money Club CD
2.30%$100-36 Month Elements Teen Club CD
2.25%$1k-6 Month Standard CD
2.25%$1k-30 Month Standard CD
2.25%$100-6 Month M3 Money Club CD
2.25%$100-30 Month M3 Money Club CD
2.25%$100-6 Month Elements Teen Club CD
2.25%$100-30 Month Elements Teen Club CD
1.90%$100k$500k3 Month Jumbo CD
1.75%$1k-3 Month Standard CD
1.75%$100-3 Month M3 Money Club CD
1.75%$100-3 Month Elements Teen Club CD


4.75%$1k-18 Month IRA
4.50%$1k-12 Month IRA
4.25%$1k-24 Month IRA
2.40%$1k-60 Month IRA
2.35%$1k-48 Month IRA
2.30%$1k-36 Month IRA
2.25%$1k-6 Month IRA
2.25%$1k-30 Month IRA
1.75%$1k-3 Month IRA


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