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 65th largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 731 employees and 289,799 members at 40 locations. TDECU's money market rates are 82% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in TDECU is open to those who live, work, attend school or worship in Matagorda County, Texas, select zip codes in the cities of Houston, Fort Worth, and surrounding areas. Membership is also open to employees of Dow Chemical Company working in Texas, Chevron Texaco Corporation, BASF in Brazoria County and over 500 local Select Employer Groups.
See current membership details

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Reviews (6)

Breath of fresh air credit union

Posted by: jah013 | May 7, 2014

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: Bow | May 20, 2014

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!

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

Posted by: Anonymous | Apr 3, 2012

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!!!!!!!!!!

Tdecu Warning

Posted by: integrity | Mar 9, 2012

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



Health

Health Grade Components

Overall
NCUA #60705
Year Chartered1954
Employees731
Primary Regulator
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD15.47%
Annual Interest Income$72.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$3.20B$3.06B
LoansQ2 2018vs Q2 2017$2.96B$2.83B
DepositsQ2 2018vs Q2 2017$2.61B$2.45B
Equity CapitalQ2 2018vs Q2 2017$278.6MM$241.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$28.2MM$34.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$23.4MM$26.3MM
Real Estate OwnedQ2 2018vs Q2 2017$694.00K$335.00K
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%--Savings IRA
0.10%$5-Club
0.10%--Business Share Savings Account
0.10%--Business Club

TDECU Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$100k*-Money Market
OTHER TIERS: 0.30% $2.5k - $25k | 0.35% $25k - $100k
0.80%*$100k*-IRA Money Market
OTHER TIERS: 0.30% $2.5k - $25k | 0.35% $25k - $100k

TDECU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*-$30kForward Checking - Dallas and Victoria Mall Only
OTHER TIERS: 0.12% $30k+
0.12%--Checking
0.12%--Business Non- Profit Checking
0.12%$5k-Business Commercial Checking
0.10%--Escrow

TDECU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$100-60 Month Elements Teen Club Limited Time Offer CD Special
3.25%$1k-60 Month Limited Time Offer CD Special
3.25%$100-60 Month M3 Money Club Limited Time Offer CD Special
2.50%$1k-27 Month Limited Time Offer CD Special
2.50%$100-27 Month Elements Teen Club Limited Time Offer CD Special
2.50%$100-27 Month M3 Money Club Limited Time Offer CD Special
2.00%$1k-13 Month Limited Time Offer CD Special
2.00%$1k-13 Month Elements Teen Club Limited Time Offer CD Special
2.00%$1k-13 Month M3 Money Club Limited Time Offer CD Special
1.70%$1k-48 Month Share Certificate
1.70%$100-48 Month M3 Money Club CD
1.70%$100-48 Month Elements Teen Club CD
1.40%$1k-36 Month Share Certificate
1.40%$100-36 Month M3 Money Club CD
1.40%$100-36 Month Elements Teen Club CD
1.30%$1k-30 Month Share Certificate
1.30%$100-30 Month M3 Money Club CD
1.30%$100-30 Month Elements Teen Club CD
1.20%$1k-24 Month Share Certificate
1.20%$100-24 Month M3 Money Club CD
1.20%$100-24 Month Elements Teen Club CD
1.10%$1k-12 Month Share Certificate
1.10%$100-12 Month M3 Money Club CD
1.10%$100-12 Month Elements Teen Club CD
0.90%$1k-18 Month Share Certificate
0.90%$100-18 Month M3 Money Club CD
0.90%$100-18 Month Elements Teen Club CD
0.85%$1k-6 Month Share Certificate
0.85%$100-6 Month M3 Money Club CD
0.85%$100-6 Month Elements Teen Club CD
0.55%$1k-3 Month Share Certificate
0.55%$100-3 Month M3 Money Club CD
0.55%$100-3 Month Elements Teen Club CD

TDECU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$1k-60 Month IRA Special
2.50%$1k-27 Month Limited Time Offer IRA Special
2.00%$1k-13 Month Limited Time Offer IRA Special
1.70%$1k-48 Month IRA
1.40%$1k-36 Month IRA
1.30%$1k-30 Month IRA
1.20%$1k-24 Month IRA
1.10%$1k-12 Month IRA
0.90%$1k-18 Month IRA
0.85%$1k-6 Month IRA
0.55%$1k-3 Month IRA
Locations

Availability



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