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 67th largest credit union in the nation. It was established in 1954 and as of June of 2020, it had grown to 812 employees and 340,595 members at 37 locations. TDECU's money market rates are 2X 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

Reviews (8)

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.


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!

Poor Customer Service

Posted by: |

I want to start out by saying that I have been a Custumer of TDECU since the early 1980's. I have previously felt like the credit union provided friendly service. Recently, I have been having problems when trying to contact the credit union about banking issues. Since the Heights location has been closed to walk in service I have been relegated to calling on the phone to resolve the matter. The system that TDECU uses, where a customer has to call into a phone bank and wait on the phone to be answered, sometimes waiting 30 to 45 minutes to get an answer. To make matters worse, the people who answer the call have little banking knowledge and usually don't have the authority to do anything important, like resolve a matter. Then, I have to wait again to talk to a supervisor, usually waitng another 15 to 30 minutes to talk to someone. Many times, the supervisor isn't able to resolve the matter. This is so customer unfriendly! The credit union staff is not allowed to take down your phone number and have a supervisor call you back. Nor are they allowed to give you an email address so that you can have continuum of care. That would make too much sense and be customer friendly. My issue is that I am having a problem where TDECU has not credited me on two payments I made in May and June. I tried the secured message system which is a joke! It is not answered in a timely manner and there is no continuum of care. Several times, I have used the secured message and it's taken days for someone to answer. And, when an answer has been made, the person isn't reading the question, and doesn't address the answer. I just want to SCREAM sometimes. I'm considering withdrawing all my money out of the credit union, because their system is so customer unfriendly. If they are treating others like me, which seems likely, this credit union will be going out of business soon! Frustrated beyond measure!

POOR Procedures

Posted by: |

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: |

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: |

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 - YTD0.67%
Return on Equity - YTD7.82%
Annual Interest Income$90.7MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$3.96B$3.48B
LoansQ2 2020vs Q2 2019$3.46B$3.10B
DepositsQ2 2020vs Q2 2019$3.32B$2.80B
Equity CapitalQ2 2020vs Q2 2019$330.0MM$304.5MM
Loan Loss AllowanceQ2 2020vs Q2 2019$31.8MM$27.0MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$54.8MM$27.3MM
Real Estate OwnedQ2 2020vs Q2 2019$1.8MM$801.00K
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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

1.00%*$350k*-Money Market
OTHER TIERS: 0.25% $2.5k - $25k | 0.40% $25k - $100k | 0.50% $100k - $350k
1.00%*$350k*-IRA Money Market
OTHER TIERS: 0.25% $2.5k - $25k | 0.40% $25k - $100k | 0.50% $100k - $350k

TDECU Checking Account Rates

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


1.00%$1k-60 Month Standard CD
1.00%$100-60 Month M3 Money Club CD
1.00%$100-60 Month Elements Teen Club CD
0.95%$1k-48 Month Standard CD
0.95%$100-48 Month M3 Money Club CD
0.95%$100-48 Month Elements Teen Club CD
0.90%$1k-36 Month Standard CD
0.90%$100-36 Month M3 Money Club CD
0.90%$100-36 Month Elements Teen Club CD
0.85%$1k-30 Month Standard CD
0.85%$100-30 Month M3 Money Club CD
0.85%$100-30 Month Elements Teen Club CD
0.80%$1k-24 Month Standard CD
0.80%$100-24 Month M3 Money Club CD
0.80%$100-24 Month Elements Teen Club CD
0.75%$1k-18 Month Standard CD
0.75%$100-18 Month M3 Money Club CD
0.75%$100-18 Month Elements Teen Club CD
0.70%$1k-12 Month Standard CD
0.70%$100-12 Month M3 Money Club CD
0.70%$100-12 Month Elements Teen Club CD
0.60%$1k-6 Month Standard CD
0.60%$100-6 Month M3 Money Club CD
0.60%$100-6 Month Elements Teen Club CD
0.40%$1k-3 Month Standard CD
0.40%$100-3 Month M3 Money Club CD
0.40%$100-3 Month Elements Teen Club CD


1.00%$1k-60 Month IRA
0.95%$1k-48 Month IRA
0.90%$1k-36 Month IRA
0.85%$1k-30 Month IRA
0.80%$1k-24 Month IRA
0.75%$1k-18 Month IRA
0.70%$1k-12 Month IRA
0.60%$1k-6 Month IRA
0.40%$1k-3 Month IRA


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