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Texas Dow Employees Credit Union

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Texas Dow Employees Credit Union Rates & Review November 2026

Q: 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: 3.65%, 24-Month CD: 3.45%, 60-Month CD: 1.75%, Savings: 1.00%, MMA: 1.25%

Q: What CD terms does Texas Dow Employees Credit Union offer?

Texas Dow Employees Credit Union CD rates are 3.75% APY for a 12 month CD, 3.65% APY for an 18 month CD, 3.45% APY for a 2 year CD, 3.70% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Texas Dow Employees Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Texas Dow Employees Credit Union's 60 Month Standard CD rates are at 3.95%, CD of Deposit (CD) - 60 month rates are at 3.95%, 12 Month Standard CD rates are at 3.75%, CD of Deposit (CD) - 12 month rates are at 3.75%, 48 Month Standard CD rates are at 3.70%. Texas Dow Employees Credit Union's savings rates are at 1.00%. Texas Dow Employees Credit Union's money market rates are at 1.25%. Texas Dow Employees Credit Union's checking rates are as high as 3.00%. Texas Dow Employees Credit Union's Conforming 15-Year Fixed rates are at 6.63%, VA 30-Year Fixed rates are at 6.75%, Conforming 30-Year Fixed rates are at 7.13%, Jumbo 7/1 ARM rates are at 7.25%, Primary Home 10/1 ARM rates are at 7.38%. Texas Dow Employees Credit Union's Personal Loan Rates are as low as 7.24%. Texas Dow Employees Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A health rating. 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 13.90%. Rates last updated and verified on 10/29/2026.

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: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.90%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Texas Dow Employees Credit Union
TDECU - Post Oak

2000 Post Oak Blvd
Houston, TX 77056

https://www.tdecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Texas Dow Employees Credit Union CD Rates

Product	Rate	APY	Term
60 Month Kids Club and Teens CD	3.88%	3.95%	60 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
60 Month Standard CD	3.88%	3.95%	60 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Certificate of Deposit (CD) - 60 month	-	3.95%	60 Months
Details APYs as of 9/16/26 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40% Sep 18, 20263.95%▲ from 2.40% Sep 14, 20262.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 60 Month	3.88%	3.95%	60 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40% Sep 18, 20263.95%▲ from 2.40% Sep 14, 20262.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 60 month	3.88%	3.95%	60 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40% Sep 18, 20263.95%▲ from 2.40% Sep 14, 20262.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
12 Month Kids Club and Teens CD	3.69%	3.75%	12 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
12 Month Standard CD	3.69%	3.75%	12 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Certificate of Deposit (CD) - 12 month	-	3.75%	12 Months
Details APYs as of 9/16/26 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 12 Month	3.69%	3.75%	12 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 12 month	3.69%	3.75%	12 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
48 Month Kids Club and Teens CD	3.64%	3.70%	48 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
48 Month Standard CD	3.64%	3.70%	48 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 48 Month	3.64%	3.70%	48 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35% Sep 18, 20263.70%▲ from 2.35% Sep 14, 20262.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 48 month	3.64%	3.70%	48 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.35% → 3.70% ▲ 1.35 pts · high 3.70% / low 2.35% Sep 18, 20263.70%▲ from 2.35% Sep 14, 20262.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
18 Month Kids Club and Teens CD	3.59%	3.65%	18 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
18 Month Standard CD	3.59%	3.65%	18 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Certificate of Deposit (CD) - 18 month	-	3.65%	18 Months
Details APYs as of 9/16/26 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Sep 18, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 18 Month	3.59%	3.65%	18 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Sep 18, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 18 month	3.59%	3.65%	18 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Sep 18, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
36 Month Kids Club and Teens CD	3.54%	3.60%	36 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
36 Month Standard CD	3.54%	3.60%	36 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
6 Month Kids Club and Teens CD	3.54%	3.60%	6 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
6 Month Standard CD	3.54%	3.60%	6 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 36 Month	3.54%	3.60%	36 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30% Sep 18, 20263.60%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 6 Month	3.54%	3.60%	6 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25% Sep 18, 20263.60%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 36 month	3.54%	3.60%	36 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 3.60% ▲ 1.30 pts · high 3.60% / low 2.30% Sep 18, 20263.60%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 6 month	3.54%	3.60%	6 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 3.60% ▲ 1.35 pts · high 3.60% / low 2.25% Sep 18, 20263.60%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
24 Month Kids Club and Teens CD	3.40%	3.45%	24 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
24 Month Standard CD	3.40%	3.45%	24 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 24 Month	3.40%	3.45%	24 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Sep 18, 20263.45%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 24 month	3.40%	3.45%	24 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Sep 18, 20263.45%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
30 Month Kids Club and Teens CD	2.23%	2.25%	30 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
30 Month Standard CD	2.23%	2.25%	30 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Certificate of Deposit (CD) - 30 month	-	2.25%	30 Months
Details APYs as of 9/16/26 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 30 Month	2.23%	2.25%	30 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 30 month	2.23%	2.25%	30 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 - 60 Month Elements CDs	1.74%	1.75%	3 to 60 months
Min Deposit $100 Details For teens ages 13 to 17; rate range 1.74% - 3.88%; APY range 1.75% - 3.95%; Find a Location Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 - 60 Month IRA CDs	1.74%	1.75%	3 - 60 months
Min Deposit $1,000 Details Range across terms: Interest Rate 1.74% - 3.88%; APY 1.75% - 3.95%. Tax-advantaged TDECU IRA funds. Bonus rate by opening deposit: $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 - 60 Month Kids Club and Teens CDs	1.74%	1.75%	3 to 60 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18; rate range 1.74% - 3.88%; APY range 1.75% - 3.95% Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 - 60 Month Kids Club and Teens CDs	1.74%	1.75%	3 - 60 months
Min Deposit $100 Details Ages: 4-18; Kids ages 4-12 and teens ages 13-18. Range across terms: Interest Rate 1.74% - 3.88%; APY 1.75% - 3.95% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 - 60 Month Kids Club CDs	1.74%	1.75%	3 to 60 months
Min Deposit $100 Details For kids ages 4 to 12; rate range 1.74% - 3.88%; APY range 1.75% - 3.95%; Find a Location Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 - 60 Month Standard CDs	1.74%	1.75%	3 to 60 months
Min Deposit $1,000 Details Rate range 1.74% - 3.88%; APY range 1.75% - 3.95% Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 Month Kids Club and Teens CD	1.74%	1.75%	3 months
Min Deposit $100 Details Ages 4-12 (kids) and 13-18 (teens); Bonus Rate: $1,000.00 - $49,999.99 Base Rate; $50,000.00 - $99,999.99 Base Rate + 0.15%; $100,000.00 and more Base Rate + 0.25% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 Month Standard CD	1.74%	1.75%	3 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
IRA CD 3 Month	1.74%	1.75%	3 months
Min Deposit $1,000 Details IRA CD; bonus rate tiers of Base Rate + 0.15% ($50,000.00 - $99,999.99) and Base Rate + 0.25% ($100,000.00 and more) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club and Teens CDs - 3 month	1.74%	1.75%	3 months
Min Deposit $100 Details For kids ages 4-12 and teens ages 13-18 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	-	1.00%
Details Balance: $0 - $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 1.00% ▲ 0.90 pts · high 1.00% / low 0.10% Oct 19, 20261.00%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Club Savings	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Secondary savings account; $0.00 monthly maintenance fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Club Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Secondary business savings account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Escrow Savings	0.10%	0.10%
Details Holds funds for real estate taxes, hazard insurance, mortgage insurance; requires a TDECU Mortgage Loan Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Kids Club	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details For kids ages 4 to 12; $0.00 monthly maintenance fee; Find a Location Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Savings IRA	0.10%	0.10%
Min Deposit $0 Details Tax-free or tax-deferred retirement savings; Find a Location Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Share Savings (Membership Account)	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details This interest-bearing account makes you a TDECU Member; $0.00 monthly maintenance fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Studio55+ Club	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Exclusive benefits for TDECU Members ages 55 and better; $0.00 monthly maintenance fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TX UTMA Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Texas Uniform Transfers to Minors Act custodial account; $0.00 monthly maintenance fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.24%	1.25%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and more; Required to Earn Stated APY and to Avoid Maintenance Fee Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 1.25% ▲ 0.55 pts · high 1.25% / low 0.70% Oct 19, 20261.25%▲ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TDECU Money Market Account	1.24%	1.25%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and more; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.99%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 1.00% ▲ 0.60 pts · high 1.00% / low 0.40% Oct 19, 20261.00%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TDECU Money Market Account	0.99%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.79%	0.80%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TDECU Money Market Account	0.79%	0.80%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.59%	0.60%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 0.60% ▲ 0.30 pts · high 0.60% / low 0.30% Oct 19, 20260.60%▲ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TDECU Money Market Account	0.59%	0.60%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.39%	0.40%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TDECU Money Market Account	0.39%	0.40%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.24%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.20% → 0.25% ▲ 0.05 pts · high 0.25% / low 0.20% Oct 19, 20260.25%▲ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TDECU Money Market Account	0.24%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $2,499.99; Required to Earn Stated APY and to Avoid Maintenance Fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TDECU Money Market Account	0.02%	0.02%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $2,499.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Checking Rates

Product	Rate	APY
Value Plus Checking	-	3.00%
Details Balance tier: $0 - $50,000 Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 0.25% → 3.00% ▲ 2.75 pts · high 3.00% / low 0.25% Oct 26, 20263.00%▲ from 0.25% Oct 19, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Value Plus Checking	2.96%	2.96%
Min Deposit $50 Min Balance $0 Details Balance: up to $50,000.00 earns 3.00% APY; 0.25% on balances over $50,000.00; $8.00 monthly fee (waived with $5,000 minimum balance or $1,000 direct deposit); Open Now Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96% Oct 29, 20262.96%▼ from 3.00% Sep 18, 20263.00%▲ from 2.96% Sep 14, 20262.96%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
High-Yield Checking	-	2.50%
Details Balance: $0 - $20,000; Qualifying balance up to $20,000.00 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 0.02% → 2.50% ▲ 2.48 pts · high 2.50% / low 0.02% Oct 26, 20262.50%▲ from 1.00% Oct 9, 20261.00%▲ from 0.02% Sep 14, 20260.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
High-Yield Checking	2.47%	2.47%
Min Deposit $1 Min Balance $0 Details Qualifications Required; Balance: up to $20,000.00 earns 2.50% APY; 0.25% on balances over $20,000.00; 1.00% APY on primary savings up to $50,000.00 (if requirements met); must be at least 18 years old; $0.00 monthly fee; maximum $30 monthly rebate on non-TDECU ATM fees; if requirements unmet, 0.02% APY on HYC balances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.47% ▼ 0.03 pts · high 2.50% / low 2.47% Oct 29, 20262.47%▼ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Forward Checking	0.59%	0.60%
Min Balance $0 Details Legacy product; $5.00 monthly fee for account requirements (waived with Mobile Deposit and 1 ACH deposit or 6 debit card transactions per month); $3.00 monthly fee for paper documents (waived with eDocument delivery) Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 0.39% → 0.60% ▲ 0.21 pts · high 0.60% / low 0.39% Oct 19, 20260.60%▲ from 0.40% Sep 26, 20260.40%▲ from 0.39% Sep 21, 20260.39%▼ from 0.40% Sep 18, 20260.40%▲ from 0.39% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Value Plus Checking	-	0.25%
Details Balance tier: $50,000.01 and up Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Non-Profit (Free) Checking	0.12%	0.12%
Min Deposit $1 Min Balance $0 Details Free business checking for established non-profits, clubs, and organizations Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Free Checking	0.02%	0.02%
Min Deposit $1 Details $0.00 monthly fee; no balance requirements Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Teen Checking	0.02%	0.02%
Min Deposit $1 Details Ages 13-17; $0.00 monthly fee Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Restart Checking	0.00%	0.00%
Min Deposit $1 Details Low-maintenance checking for rebuilding financial history; $10.00 monthly maintenance fee Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Business Checking Rates

Product	Rate	APY	View More
Small Business Checking	0.12%	0.12%
Min Deposit $20 Min Balance $5,000 Details $5,000 minimum balance required to earn stated APY; $10.00 monthly maintenance fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conforming 15-Year Fixed	6.63%	-	6.76%
Details Purchase loan Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 6.96% → 6.76% ▼ 0.20 pts · high 7.65% / low 6.76% Oct 29, 20266.76%▼ from 7.63% Oct 9, 20267.63%▼ from 7.65% Oct 2, 20267.65%▲ from 7.54% Sep 29, 20267.54%▼ from 7.57% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
VA 30-Year Fixed	6.75%	-	7.08%
Details Purchase loan for military veterans; VA guaranteed Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.97% → 7.08% ▲ 0.11 pts · high 7.08% / low 6.97% Oct 29, 20267.08%▲ from 6.97% Sep 18, 20266.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Conforming 30-Year Fixed	7.13%	-	7.21%
Details Purchase loan Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 7.30% → 7.21% ▼ 0.09 pts · high 7.83% / low 7.21% Oct 29, 20267.21%▼ from 7.83% Oct 9, 20267.83%▲ from 7.71% Oct 2, 20267.71%▲ from 7.66% Sep 26, 20267.66%▲ from 7.33% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Jumbo 7/1 ARM	7.25%	-	7.29%
Details Purchase or refinance of luxury home; also home equity; fixed rate for first 7 years; amount $806,501 - $2,000,000 Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.93% → 7.29% ▲ 0.36 pts · high 7.56% / low 6.93% Oct 29, 20267.29%▼ from 7.42% Oct 26, 20267.42%▼ from 7.56% Oct 19, 20267.56%▲ from 6.93% Sep 18, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Primary Home 10/1 ARM	7.38%	-	7.46%
Details Purchase, refinance, or home equity of primary home; fixed rate for first 10 years; amount starting at $85,000 Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 7.11% → 7.46% ▲ 0.35 pts · high 7.74% / low 7.10% Oct 29, 20267.46%▼ from 7.60% Oct 26, 20267.60%▼ from 7.74% Oct 19, 20267.74%▲ from 7.10% Sep 21, 20267.10%▼ from 7.11% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Condominium 10/1 ARM	7.63%	-	7.71%
Details Fixed rate for first 10 years; amount starting at $85,000 Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 7.36% → 7.71% ▲ 0.35 pts · high 8.00% / low 7.36% Oct 29, 20267.71%▼ from 7.85% Oct 26, 20267.85%▼ from 8.00% Oct 19, 20268.00%▲ from 7.36% Sep 18, 20267.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Investment Property 10/1 ARM	7.88%	-	7.97%
Details Purchase of investment property; fixed rate for first 10 years; amount starting at $85,000 Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 7.61% → 7.97% ▲ 0.36 pts · high 8.25% / low 7.61% Oct 29, 20267.97%▼ from 8.11% Oct 26, 20268.11%▼ from 8.25% Oct 19, 20268.25%▲ from 7.61% Sep 18, 20267.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Lot Loan 5/1 ARM	7.88%	-	7.99%	5 years
Details ARM rate; amount starting at $40,000 Last Updated 10/29/2026 Rate History 8 changes since Sep 14, 2026 · 7.66% → 7.99% ▲ 0.33 pts · high 8.28% / low 7.64% Oct 29, 20267.99%▼ from 8.13% Oct 26, 20268.13%▼ from 8.28% Oct 19, 20268.28%▲ from 8.05% Oct 9, 20268.05%▲ from 7.94% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Lot Loan 10-Year Fixed	8.13%	-	8.33%	10 years
Details Amount starting at $40,000 Last Updated 10/29/2026 Rate History 8 changes since Sep 14, 2026 · 8.03% → 8.33% ▲ 0.30 pts · high 8.65% / low 8.00% Oct 29, 20268.33%▼ from 8.48% Oct 26, 20268.48%▼ from 8.65% Oct 19, 20268.65%▲ from 8.43% Oct 9, 20268.43%▲ from 8.34% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
FHA 30-Year Fixed	6.75%	-	8.37%
Details Purchase loan; requires mortgage insurance; FHA guaranteed Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 8.23% → 8.37% ▲ 0.14 pts · high 8.37% / low 8.23% Oct 29, 20268.37%▲ from 8.23% Sep 18, 20268.23%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Land Loan 7/1 ARM	8.38%	-	8.47%
Details Fixed rate for first 7 years; amount starting at $50,000 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.47% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Land Loan 15-Year Fixed	8.63%	-	8.77%	15 years
Details Amount starting at $50,000 Last Updated 10/29/2026 Rate History 9 changes since Sep 14, 2026 · 8.46% → 8.77% ▲ 0.31 pts · high 9.08% / low 8.43% Oct 29, 20268.77%▼ from 8.92% Oct 26, 20268.92%▼ from 9.08% Oct 19, 20269.08%▲ from 8.86% Oct 9, 20268.86%▲ from 8.76% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Pool Loan 20-Year Fixed	9.75%	-	9.95%	Up to 20 years
Details Option to finance closing costs; amount $50,000 - $100,000 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Conforming 15-Year Fixed	7.38%	-	7.39%
Details Home equity loan using primary residence as collateral Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Home Equity Conforming 30-Year Fixed	7.50%	-	7.55%
Details Home equity loan using primary residence as collateral Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
30-Year Fixed Streamline Home Equity Loan	8.38%	-	8.39%
Details Home equity loan using primary residence as collateral Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 7.80% → 8.39% ▲ 0.59 pts · high 8.44% / low 7.80% Oct 29, 20268.39%▼ from 8.44% Oct 9, 20268.44%▲ from 8.21% Oct 2, 20268.21%▲ from 8.14% Sep 29, 20268.14%▲ from 8.02% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
2nd Lien Home Equity 20 Year Loan	8.88%	-	8.90%	20 years
Details Home equity loan using primary residence as collateral Last Updated 10/29/2026 Rate History 2 changes since Oct 19, 2026 · 9.19% → 8.90% ▼ 0.29 pts · high 9.19% / low 8.90% Oct 29, 20268.90%▼ from 9.04% Oct 26, 20269.04%▼ from 9.19% Oct 19, 20269.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Pre-Owned Auto Loan	-	-	6.10%	48 to 84 months
Details Minimum APR; no money down options; discounts for recurring direct deposits of $500 or more Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.10% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Vehicle Loans	-	-	6.75%	48 to 84 months
Details APR range 6.75% - 11.99%; amount $20,000 - $100,000; trucks up to 3/4 ton titled in business name Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

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 months
Details Minimum APR; no money down options; discounts for recurring direct deposits of $500 or more Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
New and Pre-Owned RV Loan	-	6.39%	48 to 144 months
Details Minimum APR; discounts for recurring direct deposits of $500 or more Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
New and Pre-Owned Motorcycle Loan	-	6.69%	48 to 144 months
Details Minimum APR; no money down options; discounts for recurring direct deposits of $500 or more Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	7.24%	12 to 72 months
Details Minimum APR; amount $1,000 - $50,000; fixed monthly payment, no collateral Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.14% → 7.24% ▲ 0.10 pts · high 7.24% / low 7.14% Oct 26, 20267.24%▲ from 7.14% Sep 14, 20267.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Cash $tash Line of Credit	-	-	9.74%	Revolving
Details Minimum APR; amount $1,000 - $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Equipment Loans	-	-	7.99%	48 to 72 months
Details APR range 7.99% - 15.55%; amount $20,000 - $250,000 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Line of Credit	-	-	10.25%	12 to 60 months
Details Minimum APR range 10.25% - 15.99%; amount $50,000 - $2,000,000 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Real Estate - Non-Owner Occupied/Investment Loan	-	-	7.55%	Up to 25 years
Details APR range 7.55% - 10.49%; amount $150,000 - $20,000,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Real Estate - Owner Occupied Loan	-	-	7.55%	Up to 25 years
Details APR range 7.55% - 10.49%; amount $150,000 - $20,000,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.55% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Easy in 30 Refinance Fixed	8.13%	-	8.27%
Details 30-year fixed refinance with no down payment requirements; option to finance up to 3% of closing costs Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 7.79% → 8.27% ▲ 0.48 pts · high 8.41% / low 7.79% Oct 29, 20268.27%▼ from 8.41% Oct 26, 20268.41%▲ from 7.79% Sep 18, 20267.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Home Advantage Loan	-	-	7.79%	84 months
Details Minimum APR; amount $10,000 - $50,000; special discounts for homeowners Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.79% ▲ 0.55 pts · high 7.79% / low 7.24% Oct 26, 20267.79%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Refinance Conforming 15-Year Fixed	6.63%	-	6.76%
Details Refinance loan for current homeowners Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.76% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Refinance Conforming 30-Year Fixed	7.13%	-	7.21%
Details Refinance loan for current homeowners Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Refinance FHA 30-Year Fixed	6.75%	-	8.37%
Details Refinance loan for current homeowners; requires mortgage insurance; FHA guaranteed Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.37% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
SBA-Backed Loans	-	-	8.00%
Details APR range 8.00% - 10.75%; amount $75,000 - $10,000,000; term: contact us for details Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Second Home 10/1 ARM	7.88%	-	7.97%
Details Purchase of second home; fixed rate for first 10 years; amount starting at $85,000 Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 7.61% → 7.97% ▲ 0.36 pts · high 8.25% / low 7.61% Oct 29, 20267.97%▼ from 8.11% Oct 26, 20268.11%▼ from 8.25% Oct 19, 20268.25%▲ from 7.61% Sep 18, 20267.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 12 months	3.69%	-	3.75%	12 months
Min Deposit $1,000 Details Bonus Rate: Base Rate + 0.15% on $50,000.00 - $99,999.99; Base Rate + 0.25% on $100,000.00 and more Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 18 months	3.59%	-	3.65%	18 months
Min Deposit $1,000 Details Standard CDs; 3 to 60 month term range Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 24 months	3.40%	-	3.45%	24 months
Min Deposit $1,000 Details Standard CDs; 3 to 60 month term range Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 3 months	1.74%	-	1.75%	3 months
Min Deposit $1,000 Details Standard CDs; 3 to 60 month term range Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 30 months	2.23%	-	2.25%	30 months
Min Deposit $1,000 Details Standard CDs; 3 to 60 month term range Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 36 months	3.54%	-	3.60%	36 months
Min Deposit $1,000 Details Standard CDs; 3 to 60 month term range Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 48 months	3.64%	-	3.70%	48 months
Min Deposit $1,000 Details Standard CDs; 3 to 60 month term range Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 6 months	3.54%	-	3.60%	6 months
Min Deposit $1,000 Details Standard CDs; 3 to 60 month term range Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CD - 60 months	3.88%	-	3.95%	60 months
Min Deposit $1,000 Details Standard CDs; 3 to 60 month term range Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Teen Savings and Checking	0.10%	-	0.10%
Min Deposit $1 Min Balance $0 Details For teens ages 13 to 17; $0.00 monthly maintenance fee; Find a Location Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

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Financial Health History

Texas Dow Employees Credit Union’s Texas Ratio rose from 11.09% in Q3 2023 to 13.90% in Q2 2026, so its financial health has held steady at a healthy level 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
June 30, 2026	$5.0B	13.90%	5.0	A
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

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 754

Part-Time Employees 31

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 (93/100)

Texas Ratio

13.90%

Return on Assets (ROA)

0.2607%

Return on Equity (ROE)

2.5618%

Non-Performing Loans Ratio (NPL)

1.77%

Total Assets

5,018,855,847

Total Amount of Shares and Deposits

4,042,520,163

Total Shares and Deposits < 1 Year

3,939,203,629

Total Shares and Deposits 1 3 Years

94,581,400

Total Shares and Deposits > 3 Years

8,735,135

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

196,653,921

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

196,653,921

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

3,845,866,242

Total Interest Expense (Sum of items 6 8)

39,872,432

Share Certificates

21,850

Number of Accounts for Share Drafts

241,885

IRA KEOGH Accounts

5,163

Number of Accounts for Regular Shares

434,727

Money Market Shares

5,073

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)

309,135,327

Total Liabilities

4,507,819,741

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Texas Dow Employees Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Texas Dow Employees Credit Union

Does Texas Dow Employees Credit Union offer CDs?

Yes. Texas Dow Employees Credit Union current CD rates include its 60 Month Standard CD at 3.95% APY, its CD of Deposit (CD) - 60 month at 3.95% APY and its 12 Month Standard CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Texas Dow Employees Credit Union NCUA insured?

Yes. Texas Dow Employees Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Texas Dow Employees Credit Union?

The highest Texas Dow Employees Credit Union CD rate is its 60 Month Kids Club and Teens CD at 3.95% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Texas Dow Employees Credit Union offer?

Texas Dow Employees Credit Union CD rates are 3.75% APY for a 12 month CD, 3.65% APY for an 18 month CD, 3.45% APY for a 2 year CD, 3.70% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Texas Dow Employees Credit Union for its full lineup.

What is the highest savings rate at Texas Dow Employees Credit Union?

The highest Texas Dow Employees Credit Union savings rate is its High-Yield Savings at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Texas Dow Employees Credit Union?

The highest Texas Dow Employees Credit Union money market rate is its Money Market at 1.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Texas Dow Employees Credit Union?

The highest Texas Dow Employees Credit Union checking rate is its Value Plus Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Texas Dow Employees Credit Union?

The lowest Texas Dow Employees Credit Union 30 year fixed mortgage rate is its VA 30-Year Fixed at 6.75%, verified by MonitorBankRates as of October 29, 2026. Texas Dow Employees Credit Union mortgage rates are 7.13% for a 30 year mortgage, 9.75% for a 20 year mortgage, 6.63% for a 15 year mortgage, 8.13% for a 10 year mortgage, 7.88% for a 5/1 ARM, 7.25% for a 7/1 ARM and 7.38% for a 10/1 ARM.

What is the lowest auto loan rate at Texas Dow Employees Credit Union?

The lowest Texas Dow Employees Credit Union auto loan rate is its New and Pre-Owned Auto Loan at 6.10% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Texas Dow Employees Credit Union?

The lowest Texas Dow Employees Credit Union personal loan rate is its Personal Loan at 7.24% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Texas Dow Employees Credit Union rates compare?

Texas Dow Employees Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A health rating. Texas Dow Employees Credit Union's top rates are its 60 Month Kids Club and Teens CD at 3.95% APY, its High-Yield Savings at 1.00% APY, its Money Market at 1.25% APY, its Value Plus Checking at 3.00% APY, its Conforming 15-Year Fixed at 6.63% and its Personal Loan at 7.24% APR, verified by MonitorBankRates on October 29, 2026.

Current Texas Dow Employees Credit Union Rates

12-Month CD3.75%
18-Month CD3.65%
24-Month CD3.45%
60-Month CD1.75%
Savings1.00%
MMA1.25%

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

Compare to Other Credit Unions

Texas Dow Employees Credit Union Rates & Review November 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 Business Savings Rates

Texas Dow Employees Credit Union Money Market Rates

Texas Dow Employees Credit Union Checking Rates

Texas Dow Employees Credit Union Business 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 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

Does Texas Dow Employees Credit Union offer CDs?

Are CDs from Texas Dow Employees Credit Union NCUA insured?

What is the highest CD rate at Texas Dow Employees Credit Union?

What CD terms does Texas Dow Employees Credit Union offer?

What is the highest savings rate at Texas Dow Employees Credit Union?

What is the highest money market rate at Texas Dow Employees Credit Union?

What is the highest checking rate at Texas Dow Employees Credit Union?

What is the lowest 30 year fixed mortgage rate at Texas Dow Employees Credit Union?

What is the lowest auto loan rate at Texas Dow Employees Credit Union?

What is the lowest personal loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Texas Dow Employees Credit Union rates compare?

Current Texas Dow Employees Credit Union Rates

Compare to Other Credit Unions