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%, 60-Month CD: 2.40%, Savings: 1.00%

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Texas Dow Employees Credit Union

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Texas Dow Employees Credit Union Rates & Review August 2026

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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Texas Dow Employees Credit Union's 12 month rates are at 3.75%, 18 month rates are at 3.50%, 60 month rates are at 2.40%, 30 month rates are at 2.25%. Texas Dow Employees Credit Union's savings rates are at 1.00%. MonitorBankRates evaluates the financial stability of Texas Dow Employees Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.45%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

Solid Health Score: 85/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

20.45%

Good Higher than avg

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	-	3.75%	12 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%
18 month	-	3.50%	18 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%
60 month	-	2.40%	60 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%
30 month	-	2.25%	30 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%

Texas Dow Employees Credit Union Savings Rates

Product	Rate	APY	View More
Primary Savings	-	1.00%
Min Balance $50,000 Details 1.00% APY on primary savings balances ?$50,000; 0.25% APY on primary savings balances >$50,000 Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%

Texas Dow Employees Credit Union Checking Rates

Product	Rate	APY
Value Plus Checking	2.96%	3.00%
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 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%
High-Yield Checking	2.47%	2.50%
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; APY is as of 8/1/25. Other terms/conditions apply. Contact TDECU for complete details. Insured by NCUA. Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%
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; 10 debit card point-of-sale withdrawal transactions of $1 or more per month; Up to 1.00% APY on HYC balances ?$20,000; 0.25% on HYC balances >$20,000 Last Updated 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%
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 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%
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 08/28/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.45%

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.
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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 Roland Hendricks

CEO Isaac Johnson

Full-Time Employees 766

Part-Time Employees 26

Branch Locations 32

ATM Locations 103

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

Financials

MonitorBankRates Star Rating

4.5 / 5.0 ★

Overall Health & Safety Grade

B (85/100)

Texas Ratio

20.45%

Return on Assets (ROA)

0.3977%

Return on Equity (ROE)

3.8795%

Non-Performing Loans Ratio (NPL)

2.56%

Total Assets

4,899,101,281

Total Amount of Shares and Deposits

3,938,461,805

Total Shares and Deposits < 1 Year

3,854,002,925

Total Shares and Deposits 1 3 Years

71,251,688

Total Shares and Deposits > 3 Years

13,207,192

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

186,077,962

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

186,077,962

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

3,752,383,843

Total Interest Expense (Sum of items 6 8)

61,162,111

Share Certificates

21,997

Number of Accounts for Share Drafts

239,560

IRA KEOGH Accounts

5,365

Number of Accounts for Regular Shares

424,466

Non Member Deposits

Money Market Shares

5,465

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)

192,040,626

Total Liabilities

4,398,452,961

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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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.