Texas Dow Employees Credit Union
Headquarters
1001 Fm 2004 Rd
Lake Jackson, TX 77566
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Phone 1-979-297-1154
Public Note: Founded in 1955, TDECU is a not-for-profit financial cooperative with more than 303,000
Members and over $3.2 billion in assets. TDECU currently has 42 service locations, including 35
Member Centers, and offers a complete selection of convenient, innovative, and competitive
products and services, including a full suite of deposit products as well as mortgage, auto and
personal loan products, online and mobile banking. TDECU also offers, through its subsidiaries,
retirement planning and wealth management, and insurance products. Visit TDECU.org for more information.
March 27, 2019
Members and over $3.2 billion in assets. TDECU currently has 42 service locations, including 35
Member Centers, and offers a complete selection of convenient, innovative, and competitive
products and services, including a full suite of deposit products as well as mortgage, auto and
personal loan products, online and mobile banking. TDECU also offers, through its subsidiaries,
retirement planning and wealth management, and insurance products. Visit TDECU.org for more information.
March 27, 2019
2024 Overview
General Credit Union Information
Texas Dow Employees is an NCUA insured institution located in Lake Jackson, TX. It was founded in 1954 and has approximately $4822.38 millions in assets.
Who can join?
To be eligible to join, you must be a U.S. citizen or resident alien, live, work or worship in one of TDECU's Membership Zip Codes, and be at least 18 years of age to join online. If your zip code is not listed, you may contact Member Care at 800-839-1154 or visit a TDECU branch to learn if you qualify.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60705 |
| Date Established | 1954 |
| Assets | $4,822.38 million |
| Loans | $4,144.59 million |
| Deposits | $3,959.63 million |
| Capital | $475.73 million |
Field of Membership Restrictions
Membership in Texas Dow Employees Credit Union (TDECU) is open to family members of a current TDECU member, an employee, retiree or family member of an employee of a company TDECU serves, a member of an organization TDECU serves and those who live, work, attend school or worship in 29 Texas counties. Visit TDECU.org for more information.
Deposit Rates - July 26, 2024
Your Current Location: Connecticut, CT 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Share Savings
|
0.10% | $0 | - |
Learn More
|
|
Money Market
|
0.40% | $100,000 | $249,999 |
Learn More
|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 60 Month
|
2.40% | $1,000 | - |
Learn More
|
Loan Rates - July 26, 2024
Your Current Location: Connecticut, CT 10007
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 4 Year | 3.49% | 3.49% | $558.79 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.05% | 6.75% | $2,831.71 | |
| 30 Year Fixed Conforming See Amortization Table |
7.41% | 7.25% | $2,182.96 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.05% | 6.75% | $2,831.71 | |
| 30 Year Fixed Conforming See Amortization Table |
7.41% | 7.25% | $2,182.96 | |
Compare with 6.585% APR and 6.490% 30-Year Fixed RATE from New American Funding, LLC.
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Texas Dow Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Middletown,Connecticut
Texas Dow Employees Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1435.23 | A | View Lobby Hours | |
| 1443.10 | B | View Lobby Hours | |
| 1446.83 | C | View Lobby Hours | |
| 1446.89 | D | View Lobby Hours | |
| 1449.32 | E | View Lobby Hours | |
| 1453.31 | F | View Lobby Hours | |
| 1453.32 | G | View Lobby Hours | |
| 1453.60 | H | View Lobby Hours | |
| 1458.31 | I | View Lobby Hours | |
| 1458.61 | J | View Lobby Hours | |
| 1461.53 | K | View Lobby Hours | |
| 1461.71 | L | View Lobby Hours | |
| 1463.10 | M | View Lobby Hours | |
| 1478.43 | N | View Lobby Hours | |
| 1484.65 | O | View Lobby Hours | |
| 1485.47 | P | View Lobby Hours | |
| 1485.47 | Q | View Lobby Hours | |
| 1485.91 | R | View Lobby Hours | |
| 1490.11 | S | View Lobby Hours | |
| 1490.63 | T | View Lobby Hours | |
| 1508.81 | U | View Lobby Hours | |
| 1534.15 | V | View Lobby Hours | |
| 1539.66 | W | View Lobby Hours | |
| 1550.57 | X | View Lobby Hours | |
| 1554.36 | Y | View Lobby Hours | |
| 1559.23 | Z | View Lobby Hours |
Climate Policy and Initiatives
TEXAS DOW EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Texas Dow Employees Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Texas Dow Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Texas Dow Employees | U.S. Average |
|---|---|
| 25.70% | 6.52 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of March 31, 2024, Texas Dow Employees had $128,867,989 in non-current loans and $4,626,789 in owned assets. To cover these potential losses it had $475,729,887 in net worth and $43,606,071 in loans loss reserves. That gives it a Texas Ratio of 25.70%.
Net Worth
| Texas Dow Employees | U.S. Average |
|---|---|
| 9.86% | 13.65% |
Texas Dow Employees FCU has a net worth of 9.86% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
*All images, logos and public notes on this page appear courtesy of TEXAS DOW EMPLOYEES and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.
Customer Reviews for Texas Dow Employees (2)
tonaroof
January 24, 2020 | | Replies 1
This rate is not accurate as it is 2.25%
Is this review helpful? Yes:0 / No: 1
tonaroof | Feb 18, 2020
now that it has been corrected, the review is not relevant anymore
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