What are the current interest rates at Texas Dow Employees Credit Union?

Current rates for Texas Dow Employees Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.50%, 24-Month CD: 3.25%, 60-Month CD: 1.75%, Savings: 0.10%, MMA: 0.02%

Reviewed by

Brian McKay

| September 16, 2026 | 6 min read

HELOC Rates Rise to 6.779% on Fed Decision Day; Home Equity Loan Rates Ease

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Texas Dow Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

HELOC rates rose to 6.779% APR this week and home equity loan rates fell to 6.745%. The Federal Reserve announces its rate decision this afternoon; if it raises rates, borrowers with an open HELOC will most likely see an increase in their rate.

Full home equity loan and HELOC data tracked across all 50 states by MonitorBankRates.com; averages calculated from 6,879 individual rates at 1,746 banks and credit unions.

Average HELOC rates rose 0.030 points to 6.779% APR since our September 10 report, and average home equity loan rates fell 0.038 points to 6.745%. HELOC rates are quoted as the prime rate plus a percentage, and the prime rate has held at 6.75% since December. The Federal Reserve announces its rate decision this afternoon; these figures were collected before it.

Key takeaways

HELOC rates rose 0.030 points to 6.779% APR this week, and home equity loan rates fell 0.038 points to 6.745%.
HELOC rates are quoted as the prime rate plus a percentage; the prime rate has held at 6.75% since December.
The Fed announces its decision this afternoon. When it has raised its benchmark by a quarter point, banks have typically raised the prime rate by the same amount, and borrowers with an open HELOC would most likely see an increase in their rate.
A $50,000 HELOC balance at this week's average rate runs about $282 a month in interest during the draw period.

HELOCs

6.779%

▲ +0.030 since September 10

Home Equity Loans

6.745%

▼ -0.038 since September 10

Fed Decision

Today

announced this afternoon

HELOC rates rose and home equity loan rates eased

Home equity loan and HELOC rates, national average APR since early April

Average APRs from MonitorBankRates.com's nightly collection, the same series this report's figures come from, updated daily.

HELOC rates rose 0.030 points to 6.779% APR this week, after falling 0.062 points in the prior report. HELOC rates are quoted as the prime rate plus a percentage, and the prime rate has held at 6.75% since December. The rate on an open HELOC changes when the prime rate changes.

Home equity loan rates fell 0.038 points to 6.745%, slightly more than the 0.032 points they added a week ago, and the average remains inside the narrow range it has held all summer.

Choosing between a home equity loan and a HELOC

A home equity loan is borrowed as one lump sum at a fixed rate, with the same payment every month until it is paid off. A HELOC is drawn as needed, and its rate changes when the prime rate changes. Our guide to the differences between a home equity loan and a HELOC covers both in detail.

Change since September 10, by product (percentage points)

This report's averages, September 10 to September 16. Red bars rose; green bars fell.

Home equity rates this week: September 10 vs. September 16

National average home equity APRs by product, September 10 vs. September 16, 2026. Source: MonitorBankRates.com; APRs collected directly from institution websites, latest collection September 16, 2026. All rates are APR.
Product	September 10 APR	September 16 APR	Weekly Change
HELOCs ▲Variable rate; a credit line you draw as needed	6.749%	6.779%	▲ +0.030
Home Equity Loans ▼Fixed rate; borrowed as one lump sum	6.783%	6.745%	▼ -0.038
More on borrowing against your home: home equity loan vs HELOC · compare home equity rates
All APRs are national averages of what real licensed institutions are actually offering to borrowers, not promotional teaser rates or rate aggregator estimates. This comparison runs September 10 to September 16, 2026, with figures collected before the Federal Reserve's September 16 announcement. HELOC rates are variable and tied to the prime rate; home equity loan rates are fixed. Source: MonitorBankRates.com.

The answer comes this afternoon

The Federal Reserve announces its rate decision this afternoon. Its benchmark has held at 3.50% to 3.75% since December, and the prime rate has held at 6.75% over the same stretch. When the Fed has raised its benchmark by a quarter point in the past, banks have typically raised the prime rate by a quarter point as well, usually within a day. If that happens today, borrowers with an open HELOC would most likely see an increase in their rate over the following billing cycle or two. If the Fed holds, the prime rate stays at 6.75%. Home equity loan rates are fixed.

Lenders will ask about insurance before they fund

Whatever today brings, one requirement won't change: a lender approving a HELOC or home equity loan wants proof of homeowners insurance on the property for as long as money is owed, so the premium belongs in the same monthly math as any rate on this page. Our MBR Home Insurance Burden Index ranks all 50 states by how heavily those premiums weigh on homeowners, and Texas homeowners can compare carriers in our Texas homeowners insurance guide. If the borrowed money is going into the house itself, get the updated insurance quote in the same sitting.

The bottom line while the Fed meets

Going into this afternoon's announcement, HELOCs average 6.779% and home equity loans 6.745%. Borrowers comparing local offers can line up Texas home equity loan rates against these national averages. These figures average more than a thousand lenders, individual quotes vary widely, and one more quote from your own bank or credit union is worth more than anything on this page.

Compare Home Equity Rates

Data Coverage & Methodology

All APRs in this report are calculated from rates collected directly from institution websites by MonitorBankRates.com's proprietary systems, tracking what real licensed institutions are actually offering to borrowers, not promotional teaser rates or rate aggregator estimates.

As of September 16, 2026, these averages were calculated from 6,879 individual rates verified at 1,746 banks and credit unions; the latest collection ran September 16, 2026. The table below shows the institutions and rates behind each product's average.

Product	Institutions	Rates Verified
HELOCs	1,098	2,074
Home Equity Loans	760	2,641
Total (distinct institutions)	1,746	6,879

Product counts overlap because many institutions offer both a home equity loan and a HELOC; the total row counts each institution once across the full home equity universe. Product rows reflect the institutions and rates that fed each product's most recent verified nightly average.

Sources: MonitorBankRates.com proprietary rate collection, national averages as of September 16, 2026. Federal Reserve, FOMC statement and implementation note, July 29, 2026, and meeting calendar for September 15-16, 2026. Wall Street Journal prime rate, 6.75%. Analysis by Monitor Bank Rates.

This report is for general information and is not financial advice. The APR any borrower receives depends on credit profile, equity position, loan size, and lender; confirm current offers with lenders before making decisions.

MonitorBankRates

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Texas Dow Employees Credit Union

iAdvertiser Disclosure

Texas Dow Employees Credit Union Rates & Review September 2026

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Texas Dow Employees Credit Union's 12 Month CD rates are at 3.75%, 12 Month Kids Club CD rates are at 3.75%, IRA CD 12 month rates are at 3.75%, IRA CDs - 12 month rates are at 3.75%, Kids Club and Teens CDs - 12 month rates are at 3.75%. Texas Dow Employees Credit Union's savings rates are at 0.10%. Texas Dow Employees Credit Union's money market rates are at 0.02%. Texas Dow Employees Credit Union's Conforming 15-Year Fixed rates are at 6.38%, VA 30-Year Fixed rates are at 6.50%, Jumbo 7/1 ARM rates are at 6.88%, Conforming 15-Year Fixed rates are at 6.88%, Conforming 30-Year Fixed rates are at 6.88%. Texas Dow Employees Credit Union's Personal Loan Rates are as low as 7.14%. Texas Dow Employees Credit Union's Credit Card Rates are at 12.24%. MonitorBankRates evaluates the financial stability of Texas Dow Employees Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.04%. Rates last updated and verified on 09/14/2026.

Texas Dow Employees Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Texas Dow Employees Credit Union? Share your experience about Texas Dow Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Texas Dow Employees Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.04%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Texas Dow Employees Credit Union
TDECU - Post Oak

2000 Post Oak Blvd
Houston, TX 77056

https://www.tdecu.org

Texas Dow Employees Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.69%	3.75%	12 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
12 Month Kids Club CD	3.69%	3.75%	12 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 12 month	3.69%	3.75%	12 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 12 month	3.69%	3.75%	12 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 12 month	3.69%	3.75%	12 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 12 month	3.69%	3.75%	12 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
18 Month Certificate	3.45%	3.50%	18 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
18 Month Elements CDs	3.45%	3.50%	18 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
18 Month Kids Club CD	3.45%	3.50%	18 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 18 month	3.45%	3.50%	18 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 18 month	3.45%	3.50%	18 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 18 month	3.45%	3.50%	18 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 18 month	3.45%	3.50%	18 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
24 Month Certificate	3.20%	3.25%	24 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
24 Month Elements CDs	3.20%	3.25%	24 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
24 Month Kids Club CD	3.20%	3.25%	24 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 24 month	3.20%	3.25%	24 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 24 month	3.20%	3.25%	24 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 24 month	3.20%	3.25%	24 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 24 month	3.20%	3.25%	24 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
60 Month Certificate	2.37%	2.40%	60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
60 Month Elements CDs	2.37%	2.40%	60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
60 Month Kids Club CD	2.37%	2.40%	60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 60 month	2.37%	2.40%	60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 60 month	2.37%	2.40%	60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 60 month	2.37%	2.40%	60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 60 month	2.37%	2.40%	60 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
48 Month Certificate	2.33%	2.35%	48 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
48 Month Elements CDs	2.33%	2.35%	48 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
48 Month Kids Club CD	2.33%	2.35%	48 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 48 month	2.33%	2.35%	48 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 48 month	2.33%	2.35%	48 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 48 month	2.33%	2.35%	48 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 48 month	2.33%	2.35%	48 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
36 Month Certificate	2.28%	2.30%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
36 Month Elements CDs	2.28%	2.30%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
36 Month Kids Club CD	2.28%	2.30%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 36 month	2.28%	2.30%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 36 month	2.28%	2.30%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 36 month	2.28%	2.30%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 36 month	2.28%	2.30%	36 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
30 Month Certificate	2.23%	2.25%	30 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
30 Month Elements CDs	2.23%	2.25%	30 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
30 Month Kids Club CD	2.23%	2.25%	30 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
6 Month Certificate	2.23%	2.25%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
6 Month Elements CDs	2.23%	2.25%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
6 Month Kids Club CD	2.23%	2.25%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 30 month	2.23%	2.25%	30 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 6 month	2.23%	2.25%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 30 month	2.23%	2.25%	30 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 6 month	2.23%	2.25%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 30 month	2.23%	2.25%	30 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 6 month	2.23%	2.25%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 30 month	2.23%	2.25%	30 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 6 month	2.23%	2.25%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 - 60 Month Elements CDs	1.74%	1.75%	3 to 60 Month
Min Deposit $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 - 60 Month IRA CDs	1.74%	1.75%	3 - 60 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 - 60 Month IRA CDs - 3 to 60 Month	1.74%	1.75%	3 to 60 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 - 60 Month Kids Club and Teens CDs	1.74%	1.75%	3 - 60 Month
Min Deposit $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 - 60 Month Kids Club and Teens CDs - 3 to 60 Month	1.74%	1.75%	3 to 60 Month
Min Deposit $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 - 60 Month Kids Club CDs	1.74%	1.75%	3 to 60 Month
Min Deposit $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 - 60 Month Standard CDs	1.74%	1.75%	3 to 60 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 Month Certificate	1.74%	1.75%	3 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 Month Elements CDs	1.74%	1.75%	3 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
3 Month Kids Club CD	1.74%	1.75%	3 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CD 3 month	1.74%	1.75%	3 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
IRA CDs - 3 month	1.74%	1.75%	3 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 3 month	1.74%	1.75%	3 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Standard CDs - 3 month	1.74%	1.75%	3 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	-	1.00%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Share Savings	1.00%	1.00%
Min Balance $50,000 Details 1.00% APY on primary savings balances <=$50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Savings	0.99%	0.99%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Share Savings	0.99%	0.99%
Min Deposit $5 Min Balance $0 Details Up to 0.99% Interest Rate Paid Monthly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Savings	-	0.25%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Share Savings	0.25%	0.25%
Min Balance $0 Details 0.25% APY on primary savings balances >$50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Business Club Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Business Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Club Savings	0.10%	0.10%
Min Deposit $1 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Escrow Savings	0.10%	0.10%
Details Requires a TDECU Mortgage Loan. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Savings	-	0.10%
Details Requirements not met Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Kids Club	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Savings IRA	0.10%	0.10%
Min Deposit $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Share Savings (Membership Account)	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Studio55+ Club	0.10%	0.10%
Min Deposit $50 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
TX UTMA Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.69%	0.70%
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Money Market	0.39%	0.40%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Money Market	0.29%	0.30%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Money Market	0.19%	0.20%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Money Market	0.02%	0.02%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Checking Rates

Product	Rate	APY
Value Plus Checking	2.96%	2.96%
Min Deposit $50 Min Balance $0 Details Highest APY includes 3.00% on VPC balances <$50,000.00 and 0.25% on VPC balances >$50,000.00. Account holders will receive a maximum monthly rebate of $30.00 on non-TDECU ATM fees. An $8.00 monthly maintenance fee applies. To waive the monthly fee, you MUST maintain a minimum balance of $5,000.00 OR set up and maintain direct deposit of $1,000.00 or more. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Checking	-	2.50%
Min Balance $0 Details Qualifications Required; Balance Tiers Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Checking	2.47%	2.47%
Min Deposit $1 Min Balance $0 Details Qualifications Required: enrollment in eDocuments; recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account; a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month; Benefits include earning up to 2.50% APY on balances up to $20,000 and 0.25% on any balance over $20,000, a maximum rebate of $30 monthly on non-TDECU ATM fees, and having the opportunity to earn up to 1.00% APY on primary savings, with requirements such as enrollment in eDocuments, a recurring direct deposit of $500 or more per month, and a minimum of 10 debit card transactions per month to earn the highest APY. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Checking	1.00%	1.00%
Min Balance $20,000 Details Qualifications Required: enrollment in eDocuments; recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account; a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month; Up to 1.00% APY Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Forward Checking	0.39%	0.39%
Min Balance $0 Details $5.00 Monthly Fee for Account Requirements (waived if enrolled in Mobile Deposit and either 1 ACH deposit or 6 debit card transactions are posted per month) $3.00 Monthly Fee for Transactions Performed by Member Care or in a Member Center (more than 2 per month) $3.00 Monthly Fee for Paper Documents (waived if enrolled in eDocument delivery of statements and notices) Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Checking ($20,000.01)	-	0.25%
Min Balance $20,000 Details Qualifications Required; Balance Tiers Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Checking (>$20,000.00)	0.25%	0.25%
Min Balance $0 Details 0.25% on HYC balances >$20,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Value Plus Checking	-	0.25%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Non-Profit (Free) Checking	0.12%	0.12%
Min Deposit $1 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Small Business Checking	0.12%	0.12%
Min Deposit $20 Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Free Checking	0.02%	0.02%
Min Deposit $1 Min Balance $0 Details Free refers to no monthly maintenance fees. Subject to account and penalty fees. See fee schedule. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
High-Yield Checking	0.02%	0.02%
Details If requirements are not met, accounts will earn an APY of 0.02% on HYC balances Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Teen Checking	0.02%	0.02%
Min Deposit $1 Min Balance $0 Details The Teen Checking account is designed for teens ages 13-17. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conforming 15-Year Fixed	6.38%	-	6.54%	15-year fixed
Details for those looking to purchase a new home. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
VA 30-Year Fixed	6.50%	-	6.85%	30-year fixed
Details for military veterans interested in purchasing a new home and guaranteed by the Veterans Administration (VA). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Jumbo 7/1 ARM	6.88%	-	6.94%	7 years
Details An adjustable rate loan to purchase or refinance a luxury home. Also available as a home equity loan. Offers a fixed rate for the first 7 years of the loan term. Amount $806,501 - $2,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Conforming 15-Year Fixed	6.88%	-	6.96%
Details A home loan that uses your primary residence's equity as collateral and offers possible tax benefits. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Conforming 30-Year Fixed	6.88%	-	7.00%	30-year fixed
Details for those looking to purchase a new home. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Primary Home 10/1 ARM	7.00%	-	7.12%	10 years
Details An adjustable-rate loan that supports the purchase, refinance, or home equity of a primary home. Offers a fixed rate for the first 10 years of the loan term. Amount Starting at $85,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Conforming 30-Year Fixed	7.25%	-	7.30%
Details A home loan that uses your primary residence's equity as collateral and offers possible tax benefits. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Condominium 10/1 ARM	7.25%	-	7.37%	10 years
Details An adjustable rate condominium loan that offers a fixed rate for the first 10 years of the loan term. Amount Starting at $85,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Investment Property 10/1 ARM	7.50%	-	7.62%	10 years
Details An adjustable rate loan that supports the purchase of an investment property. Offers a fixed rate for the first 10 years of the loan term. Amount Starting at $85,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Lot Loan 5/1 ARM	7.50%	-	7.66%	5 years
Details Large or small tract lot loan with a ARM rate and a 5-year term. Amount Starting at $40,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Lot Loan 10-Year Fixed	7.75%	-	8.03%	10 years
Details Large or small tract lot loan with a fixed rate and a 10-year term. Amount Starting at $40,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
FHA 30-Year Fixed	6.50%	-	8.08%	30-year fixed
Details Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Land Loan 7/1 ARM	8.00%	-	8.13%	Variable term
Details Adjustable rate loan for large or small tracts of land. Offers a fixed rate for the first 7 years of the loan term. Amount Starting at $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Land Loan 15-Year Fixed	8.25%	-	8.46%	15 years
Details Large or small tract land loan with a fixed rate and a 15-year term. Amount Starting at $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Pool Loan 20-Year Fixed	9.38%	-	9.63%	Up to 20
Details Term: Up to 20-year fixed rate available; Hassle-free pool loan with the option to finance closing costs. Amount $50,000 - $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR
30-Year Fixed Streamline Home Equity Loan	7.75%	-	7.80%
Details A home loan that uses your primary residence's equity as collateral and offers possible tax benefits. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
2nd Lien Home Equity 20 Year Loan	8.63%	-	8.70%
Details A home loan that uses your primary residence's equity as collateral and offers possible tax benefits. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Pre-Owned Auto Loan	-	-	5.70%	48 to 84 Month
Details Discounts for recurring direct deposits of $250 or more. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Commercial Vehicle Loans	-	-	6.75%	48 to 84 Month
Details Financing for vehicles manufactured for consumer use, but titled in your business name. Trucks up to 3/4 ton are included. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New and Pre-Owned Boat Loan	-	6.39%	48 to 144 Month
Details Discounts for recurring direct deposits of $250 or more. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
New and Pre-Owned RV Loan	-	6.39%	48 to 144 Month
Details Discounts for recurring direct deposits of $250 or more. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
New and Pre-Owned Motorcycle Loan	-	6.69%	48 to 144 Month
Details Discounts for recurring direct deposits of $250 or more. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Credit Card Rates

Product	Rate	APR
Buc-ee's Platinum Mastercard	-	12.24%
Details Introductory Purchase APR 0%; Regular APR: 12.24% - 17.99% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Platinum Mastercard	-	12.24%
Details Introductory Purchase APR 0%; Regular APR: 12.24% - 17.99% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Platinum Visa	-	12.24%
Details Introductory Purchase APR 0%; Regular APR: 12.24% - 17.99% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Onyx Mastercard	-	13.24%
Details Introductory Purchase APR 0%; Regular APR: 13.24% - 17.99% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Onyx Visa Signature	-	13.24%
Details Introductory Purchase APR 0%; Regular APR: 13.24% - 17.99% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
TDECU Business Platinum Mastercard	-	13.24%
Details Introductory Purchase APR 0%; Regular APR: 13.24% - 17.99% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.14%	12 to 72 months
Details Plus Certificate of Deposit Rate Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Onyx Visa Signature	13.24%
Details Introductory Purchase APR 0%; Regular APR: 13.24% - 17.99% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Texas Dow Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Cash $tash Line of Credit	-	-	9.74%	Revolving
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Commercial Equipment Loans	-	-	7.99%
Details Rates, terms, and offer subject to change without notice. Credit approval and proof of income required. Other terms and conditions may apply; contact TDECU for details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Commercial Equipment Loans - 48 to 72 Month	-	-	7.99%	48 to 72 Month
Details Heavy commercial vehicles, manufacturing equipment, and medical equipment. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Commercial Line of Credit	-	-	10.25%	12 to 60 Month
Details A revolving line of credit that offers businesses the flexibility of getting the financing they need, when they need it. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Commercial Real Estate - NonOwner Occupied/Investment Loan	-	-	7.55%	Up to 25 Year
Details Financing for commercial construction, purchase, or refinance of your business facility. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Commercial Real Estate - Owner Occupied Loan	-	-	7.55%	Up to 25 year
Details Financing for commercial construction, purchase, or refinance of your business facility. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Easy in 30 Purchase Fixed	7.50%	-	7.57%	30-year fixed
Details No down payment requirements. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Easy in 30 Refinance Fixed	7.50%	-	7.68%	30-year fixed
Details and an option to finance up to 3% of closing costs. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Home Advantage Loan	-	-	7.24%	84 months
Details Plus Certificate of Deposit Rate Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
SBA-Backed Loans	-	-	8.00%	Contact us for detai
Details Term: Contact us for details; Lending options from the Small Business Administration (SBA) that offer flexible financing solutions. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Second Home 10/1 ARM	7.50%	-	7.62%	10 years
Details An adjustable rate loan that supports the purchase of a second home. Offers a fixed rate for the first 10 years of the loan term. Amount Starting at $85,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Teen Savings and Checking	0.10%	-	0.10%
Min Deposit $1 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Texas Dow Employees Credit Union’s Texas Ratio rose from 8.45% in Q2 2023 to 12.04% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$5.1B	12.04%	5.0	A
December 31, 2025	$5.0B	18.06%	4.8	B+
September 30, 2025	$4.9B	20.45%	4.6	B
June 30, 2025	$4.9B	23.09%	4.3	B-
March 31, 2025	$4.8B	16.11%	4.9	A-
December 31, 2024	$4.8B	20.66%	4.5	B
September 30, 2024	$4.8B	16.96%	4.8	B+
June 30, 2024	$4.8B	14.24%	5.0	A-
March 31, 2024	$4.8B	8.97%	5.0	A
December 31, 2023	$4.7B	12.63%	5.0	A
September 30, 2023	$4.7B	11.09%	5.0	A
June 30, 2023	$4.8B	8.45%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Texas Dow Employees Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Texas Dow Employees Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Texas Dow Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Texas Dow Employees Credit Union

Website https://www.tdecu.org

Address 2000 Post Oak Blvd, Houston, TX 77056

Phone 979-297-1154

Fax

President Lavonne Burke

CEO Isaac Johnson

Full-Time Employees 731

Part-Time Employees 16

Branch Locations 33

ATM Locations 27

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.04%

Return on Assets (ROA)

0.1063%

Return on Equity (ROE)

1.0783%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

5,100,864,577

Total Amount of Shares and Deposits

4,115,494,431

Total Shares and Deposits < 1 Year

4,005,631,428

Total Shares and Deposits 1 3 Years

100,830,244

Total Shares and Deposits > 3 Years

9,032,758

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

214,573,498

Total Uninsured Shares and Deposits > $250K (F+J)

214,573,498

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,900,920,933

Total Interest Expense (Sum of items 6 8)

20,092,570

Share Certificates

22,313

Number of Accounts for Share Drafts

241,472

IRA KEOGH Accounts

5,233

Number of Accounts for Regular Shares

431,428

Money Market Shares

5,197

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

378,507,666

Total Liabilities

4,597,509,836

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Texas Dow Employees Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Texas Dow Employees Credit Union

How many branches does Texas Dow Employees Credit Union operate?

Texas Dow Employees Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Texas Dow Employees Credit Union?

Yes, to access services at Texas Dow Employees Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Texas Dow Employees Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Texas Dow Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Texas Dow Employees Credit Union offer online and mobile banking?

Most modern institutions like Texas Dow Employees Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tdecu.org.

Current Texas Dow Employees Credit Union Rates

12-Month CD3.75%
18-Month CD3.50%
24-Month CD3.25%
60-Month CD1.75%
Savings0.10%
MMA0.02%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Brian McKay

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Key takeaways

HELOC rates rose and home equity loan rates eased

Choosing between a home equity loan and a HELOC

Home equity rates this week: September 10 vs. September 16

The answer comes this afternoon

Lenders will ask about insurance before they fund

The bottom line while the Fed meets

Data Coverage & Methodology

Texas Dow Employees Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Texas Dow Employees Credit Union Texas Ratio

Texas Dow Employees Credit Union Health Trend

Texas Dow Employees Credit Union CD Rates

Texas Dow Employees Credit Union Savings Rates

Texas Dow Employees Credit Union Money Market Rates

Texas Dow Employees Credit Union Checking Rates

Texas Dow Employees Credit Union Mortgage Rates

Texas Dow Employees Credit Union Home Equity & HELOC

Texas Dow Employees Credit Union Auto Loan Rates

Texas Dow Employees Credit Union RV, Boat and Powersport Loan Rates

Texas Dow Employees Credit Union Credit Card Rates

Texas Dow Employees Credit Union Personal Loan Rates

Texas Dow Employees Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Texas Dow Employees Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Texas Dow Employees Credit Union

How many branches does Texas Dow Employees Credit Union operate?

Is a member application needed to join Texas Dow Employees Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Texas Dow Employees Credit Union offer online and mobile banking?

Current Texas Dow Employees Credit Union Rates

Compare to Other Credit Unions