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 74th largest credit union in the nation. It was established in 1954 and as of June of 2022, it had grown to 927 employees and 366,960 members at 35 locations. TDECU's CD 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

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!

TDECU Scam They Use Every Month

i have had an account with tdecu for almost 10 years now. every month they charge an insufficent fund fee when my account is positive. EVERY. SINGLE. MONTH.
i used to be able to call someone direct and they would reverse it for me, because the account wasnt negative. but now that the person has transferred to a different position i cannot get anyone to look at it correctly. they tell me "it shows negative on my screen. we know you cannot see what we see."

i have a screenshot of it however i cannot attach it to this review.




Health Grade Components

NCUA #60705
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD6.27%
Annual Interest Income$102.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$4.70B$4.40B
LoansQ2 2022vs Q2 2021$3.99B$3.73B
DepositsQ2 2022vs Q2 2021$4.00B$3.75B
Equity CapitalQ2 2022vs Q2 2021$418.3MM$376.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$40.8MM$45.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$42.1MM$44.7MM
Real Estate OwnedQ2 2022vs Q2 2021$0$652.00K
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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

1.00%*-$50kHigh-Yield Savings
OTHER TIERS: 0.25% $50k+
0.10%--Savings IRA
0.10%--Business Share Savings Account
0.10%--Business Club
0.10%$5-Studio55+ Club

TDECU Money Market Rates

0.70%*$350k*-Money Market
OTHER TIERS: 0.20% $2.5k - $25k | 0.30% $25k - $100k | 0.40% $100k - $350k

TDECU Checking Account Rates

1.00%*-$20kHigh-Yield Checking
OTHER TIERS: 0.25% $20k+
0.12%$5k-Small Business Checking
0.02%--Classic Checking


4.15%$100k$500k18 Month Jumbo CD
4.00%$1k-18 Month Standard CD
4.00%$100-18 Month M3 Money Club CD
4.00%$100-18 Month Elements Teen Club CD
3.65%$100k$500k12 Month Jumbo CD
3.65%$100k$500k24 Month Jumbo CD
3.50%$1k-12 Month Standard CD
3.50%$1k-24 Month Standard CD
3.50%$100-12 Month M3 Money Club CD
3.50%$100-24 Month M3 Money Club CD
3.50%$100-12 Month Elements Teen Club CD
3.50%$100-24 Month Elements Teen Club CD
2.55%$100k$500k60 Month Jumbo CD
2.50%$100k$500k48 Month Jumbo CD
2.45%$100k$500k36 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$500k6 Month Jumbo CD
2.40%$100k$500k30 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$500k3 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


4.00%$1k-18 Month IRA
3.50%$1k-12 Month IRA
3.50%$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


Houston Area

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