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 84th largest credit union in the nation. It was established in 1954 and as of March of 2024, it had grown to 858 employees and 387,149 members at 35 locations. TDECU's CD rates are 6X 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!

Closing All Accounts - Will Not Be Back

Posted by: |

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.



Health Grade Components

NCUA #60705
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.53%
Annual Interest Income$66.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$4.82B$4.74B
LoansQ1 2024vs Q1 2023$4.14B$4.33B
DepositsQ1 2024vs Q1 2023$3.96B$3.99B
Equity CapitalQ1 2024vs Q1 2023$471.2MM$437.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$44.8MM$49.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$46.7MM$31.6MM
Real Estate OwnedQ1 2024vs Q1 2023$1.2MM$520K
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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%*$0$50kHigh-Yield Savings
OTHER TIERS: 0.25% $50k+
0.10%$0-Share Savings
0.10%$0-Savings IRA
0.10%$0-Club Savings
0.10%$0-Business Share Savings Account
0.10%$0-Business Club
0.10%$0-Studio55+ Club
0.10%$0-Elements Teen Savings
0.10%$0-TX UTMA Savings

TDECU Money Market Rates

0.70%*$250k*-Money Market
OTHER TIERS: 0.20% $2.5k - $25k | 0.30% $25k - $100k | 0.40% $100k - $250k

TDECU Checking Account Rates

4.00%*$0$50kValue Plus Checking
OTHER TIERS: 0.25% $50k+
2.50%*$0$20kHigh-Yield Checking
OTHER TIERS: 0.25% $20k+
0.12%$5k-Small Business Checking
0.10%$0-Elements Teen Checking
0.02%$0-Free Checking


5.15%$100k-12 Month Jumbo CD
5.00%$1k-12 Month Standard CD
5.00%$100-12 Month M3 Money Club CD
4.89%$100-12 Month Elements Teen Club CD
4.65%$100k-18 Month Jumbo CD
4.50%$1k-18 Month Standard CD
4.50%$100-18 Month M3 Money Club CD
4.50%$100-18 Month Elements Teen Club CD
4.40%$100k-24 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-60 Month Jumbo CD
2.50%$100k-48 Month Jumbo CD
2.45%$100k-36 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-6 Month Jumbo CD
2.40%$100k-30 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-3 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


5.00%$1k-12 Month IRA
4.50%$1k-18 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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