TDECU Promotes 36-Month Rising Rate CD, 3.56% Blended APY


Deal Summary: 36-month Rising Rate Certificate, 3.56% blended APY, $1k minimum deposit

Availability: Residents of 30 Texas counties; employees/retirees/members of 120+ SEGs.

TDECU recently added a 36-month Rising Rate CD, which earns a blended 3.56% APY. The minimum opening deposit is $1k, though the “kids and teen accounts” can be opened with as little as $100.

According to the promotion page, the “Rate automatically increases on the one year and two year anniversary of the CD.” The fixed APYs are:

  • 3.04% APY – Year 1
  • 3.56% APY – Year 2
  • 4.07% APY – Year 3

As stated in the Terms and Conditions document (page 15), the Early Withdrawal Penalty reads as follows:

Maturity of 25-36 Months: 270 days interest (applies to amount withdrawn)

Thanks to the DA reader, Jenathome1, for the Forum post about the Rising Rate CD.


Headquartered in Lake Jackson, Texas, TDECU’s field of membership (FOM) is primarily residency and employment based.

Residency: 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 are eligible to join.

Employment/Affiliation: Employees (and their family members), retirees, and members of more than 120 companies and organizations also qualifying for membership. The largest of these companies include AMOCO Chemical, BASF, Dow Chemical, and Chevron-Texaco.

Education: Students, faculty, staff, and alumni of the University of Houston are eligible to apply for membership.

Relationship: Family members of current TDECU members are also welcome to apply.

Joining TDECU and/or opening a Rising Rate CD can be done online, by phone (800.8391154), or at any of 39 Texas branches located in Angleton, Bay City, Baytown, Brazoria, Cuero, Edna, Fort Worth, Freeport, Garland, Hallettsville, Houston (10), Katy, Lake Jackson (2), Missouri, Pasadena (2) Pearland, Port Lavaca, Rosenberg, Seadrift, Shenandoah, Sugarland, Texas City, Victoria (4), West Columbia, and Yoakum.

Credit Union Overview

TDECU has an overall health grade of "B+" at, with a Texas Ratio of 9.60% (excellent) based on December 31, 2018 data. In the past year, TDECU has increased its total non-brokered deposits by $39.54 million, an above average annual growth rate of 1.56%. Please refer to our financial overview of TDECU (NCUA Certificate # 60705) for more details.

TDECU was formed in 1955 as the Texas Dow Employees Credit Union when seven Dow employees each contributed $5 to loan a friend $35 to buy a refrigerator. TDECU is currently the fourth largest credit union in Texas, with more than 303,000 members and assets in excess of $3.2 billion. In a recent press release, TDECU announced,

a significant milestone for the organization’s mortgage portfolio: $1 billion in mortgage loans. TDECU’s President and Chief Executive Officer, Stephanie Sherrodd, announced the achievement after a review of the 2018 performance.

“I know the entire mortgage team – as well as our support teams – played a part in making this growth happen. It’s exciting to see, particularly when you consider the mortgage portfolio is significantly larger now than the entire asset size of the entire credit union just 15 years ago when I started here at TDECU,” noted Sherrodd.

How the Rising Rate CD Compares

When compared to 278 similar length-of-term CDs tracked by that require a similar minimum deposit and are available within the FOM, TDECU’s Rising Rate CD blended APY currently ranks first.

These rates are accurate as of 3/14/2019.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Houston CD rates, Dallas CD rates, Victoria CD rates, San Antonio CD rates, 5-year CD rates


Anon456   |     |   Comment #2
I have had an account here for a number of years, and never really made use of it. NOW I remember why. They are VERY antiquated with their systems. To make use of this special, you have to go ONLINE and open it as if you were JOE PUBLIC, not from inside your account. As a result, they have to take you through numerous screens, and security issues.

I called and ask WHY all this time consuming process.(my time AND their time) Why not just open another internal account for my membership, and move the money (just did one at Navy this week and it took maybe 30 seconds). Anyway ..... no one in customer service has ever asked why ..... they do as they are told. So be prepared to go through the process like a brand new account just to make use of this CD special.

NOW that I know this, I would not be doing any more business here. Will have to wait for my CD to mature, and then will close my account. These folks are either lazy with their account programing, or stupid, or both ..... but I will vote with my feet and be gone.

OTHER THAN THAT MRS LINCOLN was a wonderful play.

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TEX78   |     |   Comment #3
Unfortunately, the Rising Rate 36 mo (3.56% APY blended) CD promotion has ended, so their website says.
TEX78   |     |   Comment #4
A new (limited time) promotional 24-month Rising Rate CD is available, less attractive than the 3-yr retracted March offering. Unchanged, $1000 min investment; $100 for kids.

Year 1 = 2.02% APY
Year 2 = 2.27% APY
Top 5-Year CD Rate at TDECU in the Houston Area - Local Only

Texas Dow Employees Credit Union continues to offer a very competitive 5-year CD rate: 3.00% APY for a $1,000 minimum deposit and a 3.25% APY for a $100,000 minimum. These rates are listed at the credit union's rates page as of 8/19/2011.

When I last reported on this credit union in March, it also had some competitive 3-year and 4-year CD rates, but those rates, unlike the 5-year CD rate, have fallen.

Credit Union Membership

The only place on the credit union's website where I have found the membership eligibility requirements is in...

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Top 5-Year CD Rate at TDECU in Texas - Local Only

Texas Dow Employees Credit Union continues to offer some competitive CD rates. The short-term CD rates have gone down a little since my last report in November. However, the 5-year CD rate remains at 3.00% APY. Also, they continue to offer an additional 0.25% for Jumbo CDs with a $100K minimum. The standard CDs have a $1,000 minimum deposit. Some of the best standard CD rates as listed at the credit union's rates page as of 3/16/2011 include:

  • 3.00% APY 5-year CD
  • 2.30% APY 4-year CD
  • 2.00% APY 3-year CD
Continue Reading
Competitive CD Rates at TDECU in Texas - Local Only

Texas Dow Employees Credit Union is offering several competitive CD rates. Another nice aspect is that Jumbo CDs earn a 0.25% APY above standard CD APY. A $100K deposit qualifies as a Jumbo. It seems like it's harder to find institutions rewarding Jumbo CDs by that much these days. The standard CDs have a $1,000 minimum deposit. Some of the best standard CD rates as listed at the credit union's rates page as of 11/19/2010 include:

  • 3.00% APY 5-year CD
  • 2.45% APY 4-year CD
  • 2.20% APY 3-year CD
  • 1.75% APY 2-year CD
  • 1.20% APY 1-year...
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