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 68th largest credit union in the nation. It was established in 1954 and as of September of 2019, it had grown to 792 employees and 325,480 members at 39 locations. TDECU's money market rates are 4X 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

Related Posts

TDECU (TX) Promo Rate 12-Month CD Earns 2.20% APY - 1/2/2020

TDECU (Texas) is currently offering a limited-time 12-month Promo Rate CD, which earns 2.20% APY. Minimum opening deposit is $1k. Also as an IRA.

TDECU Promotes 36-Month Rising Rate CD, 3.56% Blended APY - 3/14/2019

TDECU (Texas) has added a 36-month Rising Rate CD with a 3.56% blended APY. Rate increases on one- and two-year anniversary of the CD. Minimum deposit is $1k.

36 Month Rising Rate CD - 3/7/2019

TDECU offering a new 36 rising rate CD. Year 1 rate - 3% apr Year 2 rate - 3.5% apr Year 3 rate - 4.0% apr

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Reviews (7)

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.


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!

POOR Procedures

Posted by: Anon456 | Mar 22, 2019

These folks are maybe 10-15 years behind in how they do things. To open a new CD, you basically have to go through the process and being brand new and opening an account with them. Their online process is also NOT user friendly, and you end up having to be cleared just to move your own money around.

I do NOT recommend doing business here.

Put My Money In Someone Else's Account

Posted by: Lucille | Mar 21, 2019

TDECU you managed to lose $250 of mine and refuse to say why you improperly endorsed my money order.It is OK to make mistakes, but you should be transparent about why when you put someone's money into someone else's account. I had to find that TDECU had my lost money by ordering a Moneygram copy of the mis-endorsed check, and you still refuse to tell me how it happened that you misendorsed my money order and put it in someone else's account.

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!!!!!!!!!!


Health Grade Components

NCUA #60705
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD7.63%
Annual Interest Income$126.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$3.44B$3.30B
LoansQ3 2019vs Q3 2018$3.16B$2.98B
DepositsQ3 2019vs Q3 2018$2.77B$2.59B
Equity CapitalQ3 2019vs Q3 2018$309.9MM$290.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$27.9MM$26.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$27.8MM$22.5MM
Real Estate OwnedQ3 2019vs Q3 2018$1.3MM$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

0.10%--Savings IRA
0.10%--Business Share Savings Account
0.10%--Business Club

TDECU Money Market Rates

1.76%*$350k*-Money Market
OTHER TIERS: 0.02% Up to $2.5k | 0.50% $2.5k - $25k | 0.75% $25k - $100k | 1.00% $100k - $350k
1.76%*$350k*-IRA Money Market
OTHER TIERS: 0.02% Up to $2.5k | 0.50% $2.5k - $25k | 0.75% $25k - $100k | 1.00% $100k - $350k

TDECU Checking Account Rates

3.00%*-$20kHigh-Yield Checking
OTHER TIERS: 0.25% $20k+
0.12%--Business Non- Profit Checking
0.12%$5k-Small Business Checking
0.02%--Classic Checking


2.25%$1k-60 Month Standard CD
2.25%$100-60 Month M3 Money Club CD
2.25%$100-60 Month Elements Teen Club CD
2.20%$100-12 Month M3 Money Club CD - Promo Rate
2.20%$100-12 Month Elements Teen Club CD - Promo Rate
2.20%$1k-12 Month Standard CD - Promo Rate
2.00%$1k-48 Month Standard CD
2.00%$100-48 Month M3 Money Club CD
2.00%$100-48 Month Elements Teen Club CD
1.75%$1k-36 Month Standard CD
1.75%$100-36 Month M3 Money Club CD
1.75%$100-36 Month Elements Teen Club CD
1.65%$1k-24 Month Standard CD
1.65%$100-24 Month M3 Money Club CD
1.65%$100-24 Month Elements Teen Club CD
1.25%$1k-6 Month Standard CD
1.25%$100-6 Month M3 Money Club CD
1.25%$100-6 Month Elements Teen Club CD
0.55%$1k-3 Month Standard CD
0.55%$100-3 Month M3 Money Club CD
0.55%$100-3 Month Elements Teen Club CD


2.25%$1k-60 Month IRA
2.20%$1k-12 Month IRA - Promo Rate
2.00%$1k-48 Month IRA
1.75%$1k-36 Month IRA
1.65%$1k-24 Month IRA
1.25%$1k-6 Month IRA
0.55%$1k-3 Month IRA


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