TDECU is headquartered in Lake Jackson and is the 4th largest credit union in the state of Texas. It is also the 81st largest credit union in the nation. It was established in 1954 and as of December of 2024, it had grown to 835 employees and 381,422 members at 35 locations. TDECU 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
Great Bank, Horrible Cards
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.
Closing All Accounts - Will Not Be Back
Have had this bank for over 15 years. Recently (the past year or so) it has all went to hell and a hand basket. I am closing all my accounts with them including checking, savings, credit card, and loans. I have had issues with my cards just not working and having to get 4 new cards in one year and friendly but entirely unhelpful support. My last straw was finally their lack of help after being a loyal and good standing customer of theirs for so long when I fell on some hard times. They were the only bank that was absolutely unwilling to help me during my time of hardship, while all other credit/loan companies went over and beyond. They have always taken all the money that they can as soon as they could and charged abundant penalties with no remorse. While they were not obligated to help me, given our history and that everyone else was happy to do so, I will not be back in the future as I begin to grow my family and business and would like to know that my bank is more friendly and supportive in the future. I have banked with capital one for almost as long via their credit line and have had nothing but good reviews, no fees, better support (both over the phone and virtually), better interest rates, more forgiveness and ability to work with me in pursuing my financial goals and obligations. I have now opened my debit and savings with them, and will not be back here.
What On Earth Is A DEI Director?
Ever since TDECU had the president and ceo step down, it's no longer doing much for the community. And what the heck is a DEI director, and what for? To create division and fake issues in our communities? That very conspiracy they conjured up about the fake narrative of unequal treatment was ridiculous... up until now. They created it and it doesn't help anybody, it's harming everybody.
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.
Data as of Q4 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 60705 |
| Year Chartered | 1954 |
| Employees | 835 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.24% |
| Return on Equity - YTD | 2.43% |
| Annual Interest Income | $275.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $4.77B$4.67B |
| Loans | Q4 2024vs Q4 2023 | $4.2B$4.24B |
| Deposits | Q4 2024vs Q4 2023 | $4B$3.81B |
| Equity Capital | Q4 2024vs Q4 2023 | $477.7MM$465.4MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $43MM$48.1MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $108MM$65.5MM |
| Real Estate Owned | Q4 2024vs Q4 2023 | $1.2MM$1MM |
