TDECU


Overview / Commentary
979-297-1154
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 78th largest credit union in the nation. It was established in 1954 and as of September of 2023, it had grown to 868 employees and 383,514 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!

What On Earth Is A DEI Director?

Posted by: |

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.

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Health

Health Grade Components

Overall
NCUA #60705
Year Chartered1954
Employees868
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD6%
Annual Interest Income$189.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$4.74B$4.66B
LoansQ3 2023vs Q3 2022$4.31B$4.29B
DepositsQ3 2023vs Q3 2022$3.85B$3.96B
Equity CapitalQ3 2023vs Q3 2022$452.5MM$425.5MM
Loan Loss AllowanceQ3 2023vs Q3 2022$48.6MM$43.1MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$56.4MM$49.3MM
Real Estate OwnedQ3 2023vs Q3 2022$771K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$50kHigh-Yield Savings
OTHER TIERS: 0.25% $50k+
0.10%--Savings
0.10%--Savings IRA
0.10%--Club
0.10%--Business Share Savings Account
0.10%--Business Club
0.10%--Studio55+ Club
0.10%--Elements Teen Savings
0.10%--M3 Money Club
0.10%--TX UTMA Savings

TDECU Money Market Rates

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

TDECU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$20kHigh-Yield Checking
OTHER TIERS: 0.25% $20k+
0.12%$5k-Small Business Checking
0.10%--Elements Teen Checking
0.02%--Classic Checking

TDECU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.40%$100k-12 Month Jumbo CD
5.25%$1k-12 Month Standard CD
5.25%$100-12 Month M3 Money Club CD
5.13%$100-12 Month Elements Teen Club CD
4.90%$100k-18 Month Jumbo CD
4.75%$1k-18 Month Standard CD
4.75%$100-18 Month M3 Money Club CD
4.75%$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

TDECU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$1k-12 Month IRA
4.75%$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
Locations

Availability

Houston Area

Interactive local rates map


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