TDECU Boosts 48-Month Jumbo And Standard CD Rates


Deal Summary: 48-month Jumbo CD, 1.65% APY, $100k minimum deposit; 48-month Standard CD, 1.50% APY, $1k minimum deposit.

Availability: Residents of 30 Texas counties; employees/retirees/members of 125+ SEGs.

TDECU recently raised the rates on its 48-month Standard and Jumbo CDs by 65 bps. The new 1.50% APY and 1.65% APY are the highest rates for the 48-month Standard and Jumbo CDs in about 22 months. A TDECU Standard CD can be opened with a $1k minimum deposit, while a Jumbo CD requires a $100k minimum opening deposit.

The 48-month Standard CD is also available as an IRA CD (Traditional or Roth), earning the same APY with the same deposit requirements.

TDECU now lists the Jumbo CDs as separate products on its website and according to the Interest Rates and Fees page,

Jumbo CD $100,000 – Jumbo CDs earn 0.15% interest rate above the Standard CD interest rate when opened new or at renewal.

The Early Withdrawal Penalty is also stated on the Rates and Fees page (Service, Penalty, and Account Fees) and reads as follows:

Maturity of >36 Months – 365 days interest (applies to amount withdrawn)

High-Yield Checking

I wrote about TDECU’s High-Yield Checking in the beginning of 2020, when it earned 3.00% APY on qualifying balances up to $20k; that rate dropped to 1.00% APY almost two years ago. Qualifying balances over $20k earn 0.25% APY, with non-qualifying balances earning 0.02% APY.

The reason I’m mentioning the High-Yield Checking is this:

With High-Yield Checking from TDECU, you’ll earn up to
1.00% APY on your checking and savings account balances.

If the High-Yield Checking account’s qualifications are met, the Share Savings account will become a High-Yield Savings account that earns 1.00% up to $50k and 0.25% APY on balances over $50k. If the requirements are not met, the total balance will earn 0.10% APY (the current default rate).

High-Yield Checking Qualification Requirements

  • At least 10 debit card purchases ($1 minimum) per statement cycle.
  • At least one direct deposit or automatic ACH payment of at least $500 per statement cycle.
  • Receive eDocuments.

The High-Yield Checking account has no minimum balance requirement, no monthly service fee, and no minimum opening deposit. Nationwide ATM fees will be reimbursed up $30 per month, if qualifications are met. There is a limit of one account per member.


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, or live with a 10-mile radius of a TDECU Member Center, are eligible to join.

Employment/Affiliation: Employees (and their family members), retirees, and members of more than 125 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 CD can be done online, by phone (800.839.1154), or at any of 34 Texas branches located in Angleton, Bay City, Baytown, Brazoria, Cuero, Cypress, Edna, Fort Worth, Freeport, Garland, Hallettsville, Houston (4), Katy, Lake Jackson (2), Missouri City, Pasadena (2) Pearland, Port Lavaca, Rosenberg, Shenandoah, Spring, Sugar Land, Texas City, Victoria (4), West Columbia, and Yoakum. According to TDECU’s Locations page, the Houston Champion Forest Member Center and The Woodlands Six Pines Member Center will reopen on March 22, 2022.

TDECU will fund $5 for your new savings account and $1 into your new checking account to give you all the benefits of membership!

TDECU participates in both the CO-OP Shared Branch and ATM networks, giving members,

Free Access to over 55,000 surcharge-free ATMs and over 5,000 credit union service centers across the United States.

Credit Union Overview

TDECU has an overall health grade of "A" at, with a Texas Ratio of 10.03% (excellent) based on September 30, 2021 data. In the past year, TDECU has increased its total non-brokered deposits by $503.26 million, an excellent annual growth rate of 15.33%. Please refer to our financial overview of TDECU (NCUA Certificate # 60705) for more details.

Established in 1955, TDECU was originally known as the Texas Dow Employees Credit Union. The seven founding members were Dow employees who each contributed $5 to loan a friend $35 to buy a refrigerator, or as TDECU’s About page puts it, “How we started: it’s a ‘cool’ story.” The mergers of three Houston-area credit unions and the acquisition of eight Whitney Bank branches in the past ten years has substantially increased TDECU’s footprint in Houston. TDECU is currently the fourth largest credit union in Texas, with more than 360,000 members and assets in excess of $4.5 billion.

How the 48-Month Jumbo CD Compares

When compared to similar length-of-term CDs tracked by that are available nationally, only one other credit union offers a higher rate than TDECU does on its 48-month Jumbo CD, regardless of minimum deposit requirements. The following table compares the TDECU 48-month Jumbo CD to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 2/16/2022.

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

Related Pages: Houston savings accounts, Dallas savings accounts, Victoria savings accounts, San Antonio savings accounts, savings accounts, reward checking accounts, 5-year CD rates

TDECU (TX) 36-Month CD Is A Rate Leader
Deal Summary: 36-month Standard CD (1.25% APY), $1k min deposit; 36-month Jumbo CD (1.40% APY), $100k min deposit.

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

Last month, TDECU raised the rate on its 36-month Standard CD by 35 bps. The new 1.25% APY is the highest rate for the 36-month Standard CD in about a year. The minimum opening deposit is $1k, with no stated balance cap.

The 36-month Standard CD is also available as an IRA (Traditional or Roth), earning...

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TDECU (TX) Promo Rate 12-Month CD Earns 2.20% APY
Deal Summary: 12-month Promo Rate CD, 2.20% APY, $1k minimum deposit.

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

At the end of October, TDECU added a 12-month Promo Rate CD earning 2.20% APY. This limited-time special requires a $1k minimum opening deposit, with no stated balance cap.

The 12-month Promo Rate CD is also available as an IRA (Traditional or Roth), earning the same APY with the same funding requirements.

As stated on the Rates and Fees page (Miscellaneous Account Fees), the Early Withdrawal...

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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...
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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
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