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Texas Dow Employees Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 21, 2026
Texas Dow Employees Credit Union's 60 Month Elements CD rates are at 3.95%, 60 Month IRA CD rates are at 3.95%, 60 Month Kids Club and Teens CDs rates are at 3.95%, 60 Month Kids Club CD rates are at 3.95%, 60 Month Standard CDs rates are at 3.95%. 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 6.63%, Jumbo 7/1 ARM rates are at 6.88%, VA 30-Year Fixed rates are at 6.63%, Primary Home 10/1 ARM rates are at 7.00%, Conforming 15-Year Fixed rates are at 7.00%. 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 09/21/2026.
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.
Texas Dow Employees Credit Union has earned an overall safety grade of A (Excellent, Score: 94/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Texas Dow Employees Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
12.04%
ExcellentHigher than avg
Texas Dow Employees Credit Union Texas Ratio
Texas Dow Employees Credit Union's Texas Ratio is 12.04%, which is considered excellent and is higher than the national average of 6.13%.
Texas Dow Employees Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
8.45% to 12.04% over 12 quarters, worseningFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has weakened since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsPublished APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. A certificate of deposit that offers a secure way to invest a portion of your tax-advantaged TDECU IRA funds.
Last Updated09/21/2026
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 to 60 Month
Min Deposit$100
DetailsPublished APY range: 1.74% - 3.88%; Published rate range: 1.75% - 3.95%. for kids ages 412 and teens ages 1318
Last Updated09/21/2026
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
DetailsPublished APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. A Certificate of Deposit (CD) designed for kids ages 412 and teens ages 1318 to teach them the value of long-term investments.
Last Updated09/21/2026
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
DetailsPublished APY range: 1.74% - 3.88%; Published rate range: 1.75% - 3.95%. for kids ages 4 to 12
DetailsHighest APY includes 1.00% on HYC balances <=$20,000; 0.25% on HYC balances >$20,000; 1.00% APY on primary savings balances <=$50,000; 0.25% APY on primary savings balances >$50,000. If requirements are not met, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account-holders will receive a maximum rebate of $30 per month on non-TDECU ATM fees. Other terms/conditions apply. Contact TDECU for complete details. Subject to account and penalty fees. See Fee Schedule .
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
High-Yield Savings
-
0.99%
No additional details.
Last Updated09/21/2026
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
DetailsUp to 0.99% Interest Rate Paid Monthly
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
High-Yield Savings
-
0.25%
Min Balance$50,000
DetailsBalance: $50,000.01 and up
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
primary savings
-
0.25%
Min Balance$0
DetailsHighest APY includes 1.00% on HYC balances <=$20,000; 0.25% on HYC balances >$20,000; 1.00% APY on primary savings balances <=$50,000; 0.25% APY on primary savings balances >$50,000. If requirements are not met, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account-holders will receive a maximum rebate of $30 per month on non-TDECU ATM fees. Other terms/conditions apply. Contact TDECU for complete details. Subject to account and penalty fees. See Fee Schedule .
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Business Club Savings
-
0.10%
Min Deposit$5
Min Balance$0
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Business Share Savings
-
0.10%
Min Deposit$5
Min Balance$5
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Club Savings
-
0.10%
Min Deposit$1
Min Balance$0
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Escrow Savings
-
0.10%
DetailsRequires a TDECU Mortgage Loan.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
High-Yield Savings
-
0.10%
DetailsRequirements not met
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club
-
0.10%
Min Deposit$5
Min Balance$5
Detailsfor kids ages 4 to 12
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Savings IRA
-
0.10%
Min Deposit$0
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Share Savings (Membership Account)
-
0.10%
Min Deposit$5
Min Balance$5
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Studio55+ Club
-
0.10%
Min Deposit$50
Min Balance$0
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
TX UTMA Savings
-
0.10%
Min Deposit$5
Min Balance$5
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Texas Dow Employees Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
0.69%
0.70%
Min Balance$250,000
DetailsBalance: $250,000 and more
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Money Market
0.39%
0.40%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Money Market
0.29%
0.30%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Money Market
0.19%
0.20%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Money Market
0.02%
0.02%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Texas Dow Employees Credit Union Checking Rates
Product
Rate
APY
View More
Value Plus Checking
-
3.00%
Min Balance$0
DetailsBalance: $0 - $50,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Value Plus Checking
2.96%
2.96%
Min Deposit$50
Min Balance$0
DetailsHighest 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 Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
High-Yield Checking
-
2.50%
Min Balance$0
DetailsBalance: $0 - $20,000
Last Updated09/21/2026
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
DetailsQualifications Required: enrollment in eDocuments; recurring direct deposit with an aggregated total of $500 or more per month; 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. Maximum rebate of $30 monthly on non-TDECU ATM fees. Requirements to earn the highest APY include enrollment in eDocuments, recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account, and a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
High-Yield Checking
1.00%
1.00%
Min Balance$20,000
DetailsQualifications 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; Highest APY includes 1.00% on HYC balances <=$20,000; 0.25% on HYC balances >$20,000; 1.00% APY on primary savings balances <=$50,000; 0.25% APY on primary savings balances >$50,000. If requirements are not met, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account-holders will receive a maximum rebate of $30 per month on non-TDECU ATM fees. Other terms/conditions apply. Contact TDECU for complete details. Subject to account and penalty fees. See Fee Schedule .
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Forward Checking
-
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 Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
High-Yield Checking
0.25%
0.25%
Min Balance$0
DetailsQualifications 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; Highest APY includes 1.00% on HYC balances <=$20,000; 0.25% on HYC balances >$20,000; 1.00% APY on primary savings balances <=$50,000; 0.25% APY on primary savings balances >$50,000. If requirements are not met, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account-holders will receive a maximum rebate of $30 per month on non-TDECU ATM fees. Other terms/conditions apply. Contact TDECU for complete details. Subject to account and penalty fees. See Fee Schedule .
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
High-Yield Checking
-
0.25%
Min Balance$20,000
DetailsBalance: $20,000.01 and up
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Value Plus Checking
-
0.25%
Min Balance$50,000
DetailsBalance: $50,000.01 and up
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Non-Profit (Free) Checking
-
0.12%
Min Deposit$1
Min Balance$0
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Small Business Checking
-
0.12%
Min Deposit$20
Min Balance$5,000
DetailsRequired to Earn Stated APY
Last Updated09/21/2026
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
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
High-Yield Checking
-
0.02%
DetailsRequirements not met
Last Updated09/21/2026
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
DetailsDesigned for teens ages 13-17.
Last Updated09/21/2026
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
View More
Conforming 15-Year Fixed
6.63%
-
6.77%
15-year fixed
DetailsFor those looking to purchase a new home.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Jumbo 7/1 ARM
6.88%
-
6.93%
DetailsOffers a fixed rate for the first 7 years of the loan term. $806,501 - $2,000,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
VA 30-Year Fixed
6.63%
-
6.97%
30-year fixed
DetailsFor military veterans interested in purchasing a new home and guaranteed by the Veterans Administration (VA).
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Primary Home 10/1 ARM
7.00%
-
7.10%
DetailsOffers a fixed rate for the first 10 years of the loan term. Starting at $85,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Conforming 15-Year Fixed
7.00%
-
7.11%
DetailsUses your primary residence's equity as collateral and offers possible tax benefits.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Conforming 30-Year Fixed
7.00%
-
7.12%
30-year fixed
DetailsFor those looking to purchase a new home.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Conforming 30-Year Fixed
7.25%
-
7.33%
DetailsUses your primary residence's equity as collateral and offers possible tax benefits.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Condominium 10/1 ARM
7.25%
-
7.36%
DetailsOffers a fixed rate for the first 10 years of the loan term. Starting at $85,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Investment Property 10/1 ARM
7.50%
-
7.61%
DetailsOffers a fixed rate for the first 10 years of the loan term. Starting at $85,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Lot Loan 5/1 ARM
7.50%
-
7.64%
5 years
DetailsStarting at $40,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Lot Loan 10-Year Fixed
7.75%
-
8.00%
10 years
DetailsStarting at $40,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Land Loan 7/1 ARM
8.00%
-
8.11%
Variable term
DetailsOffers a fixed rate for the first 7 years of the loan term. Starting at $50,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
FHA 30-Year Fixed
6.63%
-
8.23%
30-year fixed
DetailsLoan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA).
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Land Loan 15-Year Fixed
8.25%
-
8.43%
15 years
DetailsStarting at $50,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Pool Loan 20-Year Fixed
9.38%
-
9.61%
Up to 20
DetailsTerm: Up to 20-year fixed rate available; Hassle-free pool loan with the option to finance closing costs. $50,000 - $100,000
Last Updated09/21/2026
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
Term
View More
30-Year Fixed Streamline Home Equity Loan
7.88%
-
7.91%
DetailsUses your primary residence's equity as collateral and offers possible tax benefits.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
2nd Lien Home Equity 20 Year Loan
8.88%
-
8.93%
DetailsUses your primary residence's equity as collateral and offers possible tax benefits.
Last Updated09/21/2026
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
View More
New and Pre-Owned Auto Loan
-
-
5.70%
48 to 84 Month
DetailsDiscounts for recurring direct deposits of $500 or more.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Commercial Vehicle Loans
-
-
6.75%
48 to 84 Month
DetailsPublished APR range: 6.75% - 11.99%.
Last Updated09/21/2026
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
View More
New and Pre-Owned Boat Loan
-
6.39%
48 to 144 Month
DetailsDiscounts for recurring direct deposits of $500 or more.
Last Updated09/21/2026
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
DetailsDiscounts for recurring direct deposits of $500 or more.
Last Updated09/21/2026
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
DetailsDiscounts for recurring direct deposits of $500 or more.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Texas Dow Employees Credit Union Credit Card Rates
Product
Rate
APR
View More
Buc-ee's Platinum Mastercard
-
12.24%
DetailsPublished APR range: 12.24% - 17.99%. Introductory Purchase APR 0% APR. Saves you 5% when you fuel up and shop at participating Buc-ee's locations.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Platinum Mastercard
-
12.24%
DetailsPublished APR range: 12.24% - 17.99%. Introductory Purchase APR 0% APR. Low rates that make it a top choice for balance transfers and consolidating debt.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Platinum Visa
-
12.24%
DetailsPublished APR range: 12.24% - 17.99%. Introductory Purchase APR 0% APR. Top choice as a balance transfer credit card.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Onyx Mastercard
-
13.24%
DetailsPublished APR range: 13.24% - 17.99%. Introductory Purchase APR 0% APR. Pays you 2% cash back for all qualifying purchases.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Onyx Visa Signature
-
13.24%
DetailsPublished APR range: 13.24% - 17.99%. Introductory Purchase APR 0% APR. 2% cash back for all qualifying purchases.
Texas Dow Employees Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
7.14%
12 to 72 months
DetailsPlus Certificate of Deposit Rate
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Onyx Visa Signature
13.24%
DetailsPublished APR range: 13.24% - 17.99%. Introductory Purchase APR 0% APR. 2% cash back for all qualifying purchases.
Last Updated09/21/2026
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
View More
Cash $tash Line of Credit
-
-
9.74%
Revolving
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Commercial Equipment Loans
-
-
7.99%
48 to 72 Month
DetailsPublished APR range: 7.99% - 15.55%.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Commercial Equipment Loans
-
-
7.99%
DetailsRates, 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 Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Commercial Line of Credit
-
-
10.25%
12 to 60 Month
DetailsPublished APR range: 10.25% - 15.99%.
Last Updated09/21/2026
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
DetailsPublished APR range: 7.55% - 10.49%.
Last Updated09/21/2026
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
DetailsPublished APR range: 7.55% - 10.49%.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Easy in 30 Purchase Fixed
7.63%
-
7.68%
30-year fixed
DetailsNo down payment requirements.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Easy in 30 Refinance Fixed
7.63%
-
7.79%
30-year fixed
DetailsOption to finance up to 3% of closing costs.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Home Advantage Loan
-
-
7.24%
84 months
DetailsPlus Certificate of Deposit Rate
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
SBA-Backed Loans
-
-
8.00%
DetailsTerm: Contact us for details; Published APR range: 8.00% - 10.75%.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Second Home 10/1 ARM
7.50%
-
7.61%
DetailsOffers a fixed rate for the first 10 years of the loan term. Starting at $85,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 12 months
3.69%
-
3.75%
12 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 18 months
3.59%
-
3.65%
18 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 24 months
3.40%
-
3.45%
24 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 3 months
1.74%
-
1.75%
3 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 30 months
2.23%
-
2.25%
30 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 36 months
3.54%
-
3.60%
36 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 48 months
3.64%
-
3.70%
48 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 6 months
3.54%
-
3.60%
6 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Kids Club and Teens CDs - 60 months
3.88%
-
3.95%
60 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
Teen Savings and Checking
-
-
0.10%
Min Deposit$1
Min Balance$0
Detailsfor teens ages 13 to 17
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.04%
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.
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
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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Learn more about the MBR Health & Safety Badge program on our methodology page.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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 CD3.65%
24-Month CD3.45%
60-Month CD1.75%
Savings0.10%
MMA0.02%
Retrieved from our database of financial products. Rates subject to change.