Business Details
50+ Years
experience
Your Trusted Partner for Credit Union Services in Houston
Texas Dow Employees Credit Union (TDECU) has been dedicated to improving lives through financial empowerment since its founding in 1955. Originally established by Dow employees to support hourly workers, we have grown into the largest credit union in Houston and the fourth-largest in Texas, serving over 399,000 members. Our commitment to community engagement focuses on education, health, and economic development, reflecting our REAL values of service excellence.With $4.8 billion in assets and 36 service locations, we offer competitive banking solutions, including checking, savings, loans, and insurance products, while maintaining a legacy of low-fee services and financial education. Recognized as a Top Workplace by USA Today in 2025, we prioritize transparency, member-centric service, and innovation, such as early direct deposit access and digital banking tools.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Business Banking
Insurance Services
Digital Banking
Personal Loans
Certificate of Deposit
Details
- Year established: 1955
Highlights and features
- We offer free checking with no monthly fees or minimums.
- Our digital banking platform provides 24/7 account access and mobile check deposit.
- We provide competitive loan rates with no prepayment penalties.
- Our community focus includes financial education and local outreach programs.
- We guarantee early direct deposit access, up to two days faster.
Associations and certifications
- NCUA
What people say
No monthly fees
Early direct deposit
Competitive loan rates
Responsive service
User-friendly app
Services
Checking Accounts
TDECU offers free checking accounts with no monthly fees or minimums, including Value Plus Checking with up to 3.00% APY. Members enjoy surcharge-free ATMs, early direct deposit access, and digital banking tools for managing transactions, budgets, and bill payments efficiently.
Auto Loans
Competitive auto loans starting at 5.70% APR with no payments for 90 days, no money down options, and terms up to 84 months. TDECU finances new, used, and refinanced vehicles, including cars, motorcycles, boats, and RVs, with flexible approval processes.
Mortgage Loans
TDECU provides fixed and adjustable-rate mortgages for home purchases, refinancing, and equity loans. Options include 30-year fixed rates starting at 6.13% APR, FHA loans, and specialty programs for first-time buyers with competitive terms up to 30 years.
Digital Banking
24/7 digital banking allows members to manage accounts, deposit checks, transfer funds, and pay bills via mobile apps. Features include real-time transaction alerts, budgeting tools, and secure access to statements and card controls for enhanced financial management.
Business Banking
Tailored business banking solutions include checking accounts, commercial loans, credit cards, and equipment financing. TDECU supports small businesses and organizations with competitive rates, lines of credit, and specialized services like SBA-backed loans for growth and operational needs.
People
Isaac Johnson
President & CEO
Isaac Johnson leads TDECU with a focus on member service and community impact. He has driven growth initiatives and digital transformation while maintaining the credit union's commitment to financial education and local outreach programs.
Josh Brian
Chief Growth Officer
Josh Brian oversees TDECU's expansion strategies and member engagement. He focuses on enhancing product offerings and leveraging technology to improve accessibility and financial wellness for all members.
Aparna Dave
Chief Legal Officer
Aparna Dave ensures regulatory compliance and legal integrity across TDECU's operations. Her leadership supports ethical practices and member trust while navigating complex financial regulations.
Questions
What benefits do TDECU checking accounts offer?
TDECU checking accounts provide no monthly fees, surcharge-free ATMs, early direct deposit access, and competitive APYs up to 3.00% with Value Plus Checking.
How can I apply for an auto loan?
Apply online, at a Member Center, or by phone. Pre-approval options and required documentation details are available on TDECU's website for streamlined financing.
Does TDECU offer business banking services?
Yes, TDECU provides business checking, loans, credit cards, and commercial financing tailored to small businesses and organizations in Texas.
What mortgage options are available?
TDECU offers fixed-rate, adjustable-rate, FHA, and specialty mortgages for home purchases, refinancing, and equity loans with terms up to 30 years.
How does TDECU support community initiatives?
TDECU invests in education, health, and economic development through local partnerships, scholarships, and financial literacy programs aligned with its REAL values.
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