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Texas Dow Employees Credit Union

Popular Accounts at this Credit Union

1.75%5-year CD60 Month Share Certificate
1.50%4-year CD48 Month Share Certificate
1.20%3-year CD36 Month Share Certificate

Overview / Commentary
1001 Fm 2004 Rd
Lake Jackson, TX 77566

Texas Dow Employees Credit Union is headquartered in Lake Jackson and is the 4th largest credit union in the state of Texas. It is also the 61st largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 702 employees and 240,288 members at 41 locations. Texas Dow Employees Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Texas Dow Employees Credit Union is open to those who live, work, attend school or worship in Matagorda County, Texas, select zip codes in the cities of Houston, Fort Worth, and surrounding areas. Membership is also open to employees of Dow Chemical Company working in Texas, Chevron Texaco Corporation, BASF in Brazoria County and over 500 local Select Employer Groups.
See current membership details

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Reviews (5)

Breath of fresh air credit union

Posted by: jah013 | May 7, 2014

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.

Former Client

Posted by: Bow | May 20, 2014

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 Warning

Posted by: integrity | Mar 9, 2012

This credit union used shady business tactics to take thousands of dollars from my family. If you value your money, don't use tdecu.

Don't Trust This Bank With $1

Thes people should be ashamed of themselves. My account was recently cleaned out fraudulently, and instead of reimbursing the money and handling the investigation, we were told we would have to go through the criminal court system if we wanted our money back. This is absurd. I have encountered this situation with Wells Fargo and my funds were returned later that day, but all we got from this "bank" was an attitude. The supervisor informed me that i would have to file a police report in Texas, coordinate with the investigators in NYC to pull surveillance tapes, identify this person and pursue legal action relying on his ability to pay me back. Really? My advice if want to protect your hard earned money, is to find a bank that actually cares about your business. You've been warned!

Texas Dow Employees CU

Posted by: Anonymous | Apr 3, 2012

This credit union is so unorganized. Bluebonnet merged with them at the end of the month and now there are missing transactions. No one has any answers!!! Bluebonnet FCU made a BIG mistake!!!!!!!!!!


Health Grade Components

NCUA #60705
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD6.94%
Annual Interest Income$61.7MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$2.93B$2.63B
LoansQ2 2016vs Q2 2015$2.66B$2.39B
DepositsQ2 2016vs Q2 2015$2.34B$2.20B
Equity CapitalQ2 2016vs Q2 2015$241.0MM$224.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$24.9MM$25.5MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$38.9MM$22.7MM
Real Estate OwnedQ2 2016vs Q2 2015$360.00K$1.0MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Texas Dow Employees Credit Union Savings Account Rates

0.25%--Savings IRA
0.25%--Savings Roth IRA

Texas Dow Employees Credit Union Money Market Rates

0.40%*$100k*-Money Market
OTHER TIERS: 0.30% $2,500 - $25k | 0.35% $25k - $100k

Texas Dow Employees Credit Union Checking Account Rates


Texas Dow Employees Credit Union CD Rates

1.75%$1k-60 Month Share Certificate
1.50%$1k-48 Month Share Certificate
1.20%$1k-36 Month Share Certificate
1.10%$1k-30 Month Share Certificate
1.00%$1k-24 Month Share Certificate
0.70%$1k-18 Month Share Certificate
0.60%$1k-12 Month Share Certificate
0.45%$1k-6 Month Share Certificate
0.35%$1k-3 Month Share Certificate

Texas Dow Employees Credit Union IRA Rates

1.75%$1k-60 Month IRA
1.50%$1k-48 Month IRA
1.20%$1k-36 Month IRA
1.10%$1k-30 Month IRA
1.00%$1k-24 Month IRA
0.70%$1k-18 Month IRA
0.60%$1k-12 Month IRA
0.45%$1k-6 Month IRA
0.35%$1k-3 Month IRA

Texas Dow Employees Credit Union has 41 locations. Click to view all Texas Dow Employees Credit Union locations.