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: 0.70%

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Texas Dow Employees Credit Union

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Texas Dow Employees Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Texas Dow Employees Credit Union's top rates as of October 9, 2026 are 3.95% APY on its 60 Month CD, 1.00% APY on savings, 0.70% APY on money market accounts, 3.00% APY on checking, 6.88% on its Conforming 15-Year Fixed mortgage, personal loans from 7.14% APR, and credit cards from 12.24% APR, according to rates verified by MonitorBankRates. Other Texas Dow Employees Credit Union CD rates include 60 Month Elements CD at 3.95%, 60 Month IRA CD at 3.95%, and 60 Month Kids Club and Teens CD at 3.95%. Other Texas Dow Employees Credit Union mortgage rates include Jumbo 7/1 ARM at 7.25%, VA 30-Year Fixed at 7.00%, and Primary Home 10/1 ARM at 7.38%. 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 10/09/2026.

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 Q2 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 Certificate	-	3.95%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.40% → 3.95% ▲ 1.55 pts · high 3.95% / low 2.40% Oct 9, 20263.95%▲ from 2.40% Sep 14, 20262.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
60 Month Elements CD	3.88%	3.95%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
60 Month IRA CD	3.88%	3.95%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
60 Month Kids Club and Teens CD	3.88%	3.95%	60 months
No additional details. Last Updated 10/09/2026 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%
60 Month Kids Club CD	3.88%	3.95%	60 months
No additional details. Last Updated 10/09/2026 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%
60 Month Standard CD	3.88%	3.95%	60 months
No additional details. Last Updated 10/09/2026 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
No additional details. Last Updated 10/09/2026 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%
Standard CDs - 60 month	3.88%	3.95%	60 months
No additional details. Last Updated 10/09/2026 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 Certificate	-	3.75%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
12 Month IRA CD	3.69%	3.75%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 times 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
12 Month Kids Club CD	3.69%	3.75%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
12 Month Standard CD	3.69%	3.75%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CDs - 12 month	3.69%	3.75%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
48 Month Elements CD	3.64%	3.70%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
48 Month IRA CD	3.64%	3.70%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 6 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
No additional details. Last Updated 10/09/2026 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%
48 Month Kids Club CD	3.64%	3.70%	48 months
No additional details. Last Updated 10/09/2026 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%
48 Month Standard CD	3.64%	3.70%	48 months
No additional details. Last Updated 10/09/2026 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
No additional details. Last Updated 10/09/2026 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%
Standard CDs - 48 month	3.64%	3.70%	48 months
No additional details. Last Updated 10/09/2026 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 Certificate	-	3.65%	18 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 9, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
18 Month Elements CD	3.59%	3.65%	18 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
18 Month IRA CD	3.59%	3.65%	18 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 6 times 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
No additional details. Last Updated 10/09/2026 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%
18 Month Kids Club CD	3.59%	3.65%	18 months
No additional details. Last Updated 10/09/2026 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%
18 Month Standard CD	3.59%	3.65%	18 months
No additional details. Last Updated 10/09/2026 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
No additional details. Last Updated 10/09/2026 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%
Standard CDs - 18 month	3.59%	3.65%	18 months
No additional details. Last Updated 10/09/2026 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 Elements CD	3.54%	3.60%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
36 Month IRA CD	3.54%	3.60%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 times 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
No additional details. Last Updated 10/09/2026 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%
36 Month Kids Club CD	3.54%	3.60%	36 months
No additional details. Last Updated 10/09/2026 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%
36 Month Standard CD	3.54%	3.60%	36 months
No additional details. Last Updated 10/09/2026 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%
6 Month Elements CD	3.54%	3.60%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
6 Month IRA CD	3.54%	3.60%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 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
No additional details. Last Updated 10/09/2026 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%
6 Month Kids Club CD	3.54%	3.60%	6 months
No additional details. Last Updated 10/09/2026 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%
6 Month Standard CD	3.54%	3.60%	6 months
No additional details. Last Updated 10/09/2026 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
No additional details. Last Updated 10/09/2026 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
No additional details. Last Updated 10/09/2026 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%
Standard CDs - 36 month	3.54%	3.60%	36 months
No additional details. Last Updated 10/09/2026 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%
Standard CDs - 6 month	3.54%	3.60%	6 months
No additional details. Last Updated 10/09/2026 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 Elements CD	3.40%	3.45%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
24 Month IRA CD	3.40%	3.45%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 6 times 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
No additional details. Last Updated 10/09/2026 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%
24 Month Kids Club CD	3.40%	3.45%	24 months
No additional details. Last Updated 10/09/2026 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%
24 Month Standard CD	3.40%	3.45%	24 months
No additional details. Last Updated 10/09/2026 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
No additional details. Last Updated 10/09/2026 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%
Standard CDs - 24 month	3.40%	3.45%	24 months
No additional details. Last Updated 10/09/2026 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 Certificate	-	2.25%	30 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
30 Month Elements CD	2.23%	2.25%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
30 Month IRA CD	2.23%	2.25%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
30 Month Kids Club CD	2.23%	2.25%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
30 Month Standard CD	2.23%	2.25%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CDs - 30 month	2.23%	2.25%	30 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 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 Month
Min Deposit $100 Details Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 - 60 Month IRA CDs	1.74%	1.75%	3 to 60 Month
Min Deposit $1,000 Details Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 5 times 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 Month
Min Deposit $100 Details Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 5 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 Month
Min Deposit $100 Details Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times 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 Month
Min Deposit $1,000 Details Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 Month Elements CD	1.74%	1.75%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 Month IRA CD	1.74%	1.75%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 Month Kids Club CD	1.74%	1.75%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 Month Standard CD	1.74%	1.75%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
3 - 60 Month Term IRA CDs	1.74%	1.75%	3 - 60 Month Term
Min Deposit $1,000 Details Published APY range: 1.75% - 3.95%; Published rate range: 1.74% - 3.88%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.75% APY 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Standard CDs - 3 month	1.74%	1.75%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 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%
Min Balance $0 Details Balance: $0 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Share Savings	0.99%	0.99%
Min Deposit $5 Min Balance $0 Details Published rate range: Up to 0.99%. Interest Rate Paid Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.99% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
High-Yield Savings	-	0.25%
Min Balance $50,000 Details Balance: $50,000.01 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Escrow Savings	0.10%	0.10%
Details Requires a TDECU Mortgage Loan. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
High-Yield Savings	-	0.10%
Details Requirements not met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Savings IRA	0.10%	0.10%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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
Business Club Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Business Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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	0.69%	0.70%
Min Balance $250,000 Details Balance: $250,000 and more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.39%	0.40%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.29%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.19%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Money Market	0.02%	0.02%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 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%
Min Balance $0 Details Balance: $0 - $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96% 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%
Value Plus Checking	2.96%	2.96%
Min Deposit $50 Min Balance $0 Details Highest APY includes 3.00% on VPC balances <$50,000.00 and 0.25% on VPC balances >$50,000.00. Account holders will receive a maximum monthly rebate of $30.00 on non-TDECU ATM fees. An $8.00 monthly maintenance fee applies to the Value Plus Checking account. To waive the monthly fee, you MUST maintain a minimum balance of $5,000.00 OR set up and maintain direct deposit of $1,000.00 or more. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.96% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
High-Yield Checking	-	2.50%
Min Balance $0 Details Balance: $0 - $20,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times 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: 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; 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. The highest APY includes 2.50% on HYC balance up through $20,000 and 0.25% on any HYC balance over $20,000; 1.00% APY on primary savings balance up through $50,000 and 0.25% APY on primary savings balance over $50,000. If requirements are unmet, 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 monthly on non-TDECU ATM fees. For our High-Yield Checking accounts only, members qualify for Identity Theft Recovery Services. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
High-Yield Checking	-	1.00%
Details Qualifications Required: 1 direct deposit or ACH credit; 10 debit card point-of-sale withdrawal transactions of $1 or more per month; enrollment in eDocuments; online banking enrollment/login Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.02% → 1.00% ▲ 0.98 pts · high 1.00% / low 0.02% 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%
Forward Checking	0.39%	0.40%
Min Balance $0 Details $5.00 Monthly Fee for Account Requirements (waived if enrolled in Mobile Deposit and either 1 ACH deposit or 6 debit card transactions are posted per month); $3.00 Monthly Fee for Transactions Performed by Member Care or in a Member Center (more than 2 per month); $3.00 Monthly Fee for Paper Documents (waived if enrolled in eDocument delivery of statements and notices). Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 0.39% → 0.40% ▲ 0.01 pts · high 0.40% / low 0.39% Sep 26, 20260.40%▲ from 0.39% Sep 21, 20260.39%▼ from 0.40% Sep 18, 20260.40%▲ from 0.39% Sep 14, 20260.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
High-Yield Checking	-	0.25%
Min Balance $20,000 Details Balance: $20,000.01 and up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Value Plus Checking	-	0.25%
Min Balance $50,000 Details Balance: $50,000.01 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Free Checking	0.02%	0.02%
Min Deposit $1 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
High-Yield Checking	-	0.02%
Details Requirements not met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Teen Checking	0.02%	0.02%
Min Deposit $1 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 7 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	6.88%	-	7.08%	15-year
Details For those looking to purchase a new home. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.54% → 7.08% ▲ 0.54 pts · high 7.10% / low 6.54% Oct 9, 20267.08%▼ from 7.10% Oct 2, 20267.10%▲ from 6.99% Sep 29, 20266.99%▼ from 7.02% Sep 26, 20267.02%▲ from 6.77% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Jumbo 7/1 ARM	7.25%	-	7.33%	7 years
Details An adjustable rate loan to purchase or refinance a luxury home. Also available as a home equity loan. Offers a fixed rate for the first 7 years of the loan term. $806,501 - $2,000,000 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 6.94% → 7.33% ▲ 0.39 pts · high 7.33% / low 6.94% Oct 9, 20267.33%▲ from 7.22% Oct 2, 20267.22%▲ from 7.16% Sep 29, 20267.16%▲ from 7.04% Sep 26, 20267.04%▲ from 6.94% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
VA 30-Year Fixed	7.00%	-	7.50%	30-year
Details Guaranteed by the Veterans Administration (VA). For those looking to purchase a new home. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.85% → 7.50% ▲ 0.65 pts · high 7.51% / low 6.85% Oct 9, 20267.50%▼ from 7.51% Oct 2, 20267.51%▲ from 7.20% Sep 29, 20267.20%▼ from 7.34% Sep 26, 20267.34%▲ from 6.97% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Primary Home 10/1 ARM	7.38%	-	7.51%	10 years
Details An adjustable-rate loan that supports the purchase, refinance, or home equity of a primary home. Offers a fixed rate for the first 10 years of the loan term. Starting at $85,000 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 7.12% → 7.51% ▲ 0.39 pts · high 7.51% / low 7.12% Oct 9, 20267.51%▲ from 7.39% Oct 2, 20267.39%▲ from 7.34% Sep 29, 20267.34%▲ from 7.22% Sep 26, 20267.22%▲ from 7.12% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Conforming 30-Year Fixed	7.38%	-	7.52%	30-year
Details For those looking to purchase a new home. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 7.00% → 7.52% ▲ 0.52 pts · high 7.63% / low 7.00% Oct 9, 20267.52%▼ from 7.63% Oct 2, 20267.63%▲ from 7.35% Sep 29, 20267.35%▲ from 7.34% Sep 26, 20267.34%▲ from 7.12% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Conforming 15-Year Fixed	7.50%	-	7.63%
Details A home loan that uses your primary residence's equity as collateral and offers possible tax benefits. Last Updated 10/09/2026 Rate History 6 changes since Sep 14, 2026 · 6.96% → 7.63% ▲ 0.67 pts · high 7.65% / low 6.96% Oct 9, 20267.63%▼ from 7.65% Oct 2, 20267.65%▲ from 7.54% Sep 29, 20267.54%▼ from 7.57% Sep 26, 20267.57%▲ from 7.11% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Condominium 10/1 ARM	7.63%	-	7.76%	10 years
Details An adjustable rate condominium loan that offers a fixed rate for the first 10 years of the loan term. Starting at $85,000 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 7.37% → 7.76% ▲ 0.39 pts · high 7.76% / low 7.37% Oct 9, 20267.76%▲ from 7.65% Oct 2, 20267.65%▲ from 7.59% Sep 29, 20267.59%▲ from 7.47% Sep 26, 20267.47%▲ from 7.37% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Conforming 30-Year Fixed	7.75%	-	7.83%
Details A home loan that uses your primary residence's equity as collateral and offers possible tax benefits. Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 7.30% → 7.83% ▲ 0.53 pts · high 7.83% / low 7.30% Oct 9, 20267.83%▲ from 7.71% Oct 2, 20267.71%▲ from 7.66% Sep 26, 20267.66%▲ from 7.33% Sep 18, 20267.33%▲ from 7.30% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Investment Property 10/1 ARM	7.88%	-	8.01%	10 years
Details An adjustable rate loan that supports the purchase of an investment property. Offers a fixed rate for the first 10 years of the loan term. Starting at $85,000 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 7.62% → 8.01% ▲ 0.39 pts · high 8.01% / low 7.62% Oct 9, 20268.01%▲ from 7.90% Oct 2, 20267.90%▲ from 7.84% Sep 29, 20267.84%▲ from 7.72% Sep 26, 20267.72%▲ from 7.62% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Lot Loan 5/1 ARM	7.88%	-	8.05%	5 years
Details A ARM rate and a 5-year term. Starting at $40,000 Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 7.66% → 8.05% ▲ 0.39 pts · high 8.05% / low 7.64% Oct 9, 20268.05%▲ from 7.94% Oct 2, 20267.94%▲ from 7.87% Sep 29, 20267.87%▲ from 7.75% Sep 26, 20267.75%▲ from 7.64% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Lot Loan 10-Year Fixed	8.13%	-	8.43%	10 years
Details A fixed rate and a 10-year term. Starting at $40,000 Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 8.03% → 8.43% ▲ 0.40 pts · high 8.43% / low 8.00% Oct 9, 20268.43%▲ from 8.34% Oct 2, 20268.34%▲ from 8.20% Sep 29, 20268.20%▲ from 8.09% Sep 26, 20268.09%▲ from 8.00% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Land Loan 7/1 ARM	8.38%	-	8.52%	Variable term
Details Offers a fixed rate for the first 7 years of the loan term. Starting at $50,000 Last Updated 10/09/2026 Rate History 6 changes since Sep 14, 2026 · 8.13% → 8.52% ▲ 0.39 pts · high 8.52% / low 8.11% Oct 9, 20268.52%▲ from 8.41% Oct 2, 20268.41%▲ from 8.34% Sep 29, 20268.34%▲ from 8.22% Sep 26, 20268.22%▲ from 8.11% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
FHA 30-Year Fixed	7.00%	-	8.86%	30-year
Details Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA). For those looking to purchase a new home. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 8.08% → 8.86% ▲ 0.78 pts · high 8.87% / low 8.08% Oct 9, 20268.86%▼ from 8.87% Oct 2, 20268.87%▲ from 8.52% Sep 29, 20268.52%▼ from 8.68% Sep 26, 20268.68%▲ from 8.23% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Land Loan 15-Year Fixed	8.63%	-	8.86%	15 years
Details A fixed rate and a 15-year term. Starting at $50,000 Last Updated 10/09/2026 Rate History 6 changes since Sep 14, 2026 · 8.46% → 8.86% ▲ 0.40 pts · high 8.86% / low 8.43% Oct 9, 20268.86%▲ from 8.76% Oct 2, 20268.76%▲ from 8.65% Sep 29, 20268.65%▲ from 8.53% Sep 26, 20268.53%▲ from 8.43% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Pool Loan 20-Year Fixed	9.75%	-	10.03%	up to 20 months
Details Term: Up to 20-year fixed rate available; Hassle-free pool loan with the option to finance closing costs. $50,000 - $100,000 Last Updated 10/09/2026 Rate History 3 changes since Sep 26, 2026 · 9.71% → 10.03% ▲ 0.32 pts · high 10.03% / low 9.70% Oct 9, 202610.03%▲ from 9.80% Oct 2, 20269.80%▲ from 9.70% Sep 29, 20269.70%▼ from 9.71% Sep 26, 20269.71%first recorded 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
30-Year Fixed Streamline Home Equity Loan	8.38%	-	8.44%
Details A home loan that uses your primary residence's equity as collateral and offers possible tax benefits. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 7.80% → 8.44% ▲ 0.64 pts · high 8.44% / low 7.80% Oct 9, 20268.44%▲ from 8.21% Oct 2, 20268.21%▲ from 8.14% Sep 29, 20268.14%▲ from 8.02% Sep 26, 20268.02%▲ from 7.91% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
2nd Lien Home Equity 20 Year Loan	9.13%	-	9.22%
Details A home loan that uses your primary residence's equity as collateral and offers possible tax benefits. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 8.70% → 9.22% ▲ 0.52 pts · high 9.24% / low 8.70% Oct 9, 20269.22%▼ from 9.24% Oct 2, 20269.24%▲ from 9.15% Sep 29, 20269.15%▲ from 8.91% Sep 26, 20268.91%▼ from 8.93% 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 Month
Details Discounts for recurring direct deposits of $500 or more. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.70% → 6.10% ▲ 0.40 pts · high 6.10% / low 5.70% Sep 26, 20266.10%▲ from 5.70% Sep 14, 20265.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Vehicle Loans	-	-	6.75%	48 to 84 Month
Details Published APR range: 6.75% - 11.99%. Financing for vehicles manufactured for consumer use, but titled in your business name. Trucks up to 3/4 ton are included. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times 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 Month
Details No money down options available, and discounts for recurring direct deposits of $500 or more. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
New and Pre-Owned RV Loan	-	6.39%	48 to 144 Month
Details Discounts for recurring direct deposits of $500 or more. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
New and Pre-Owned Motorcycle Loan	-	6.69%	48 to 144 Month
Details No money down options available, and discounts for recurring direct deposits of $500 or more. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Credit Card Rates

Product	Rate	APR
Buc-ee's Platinum Mastercard	-	12.24%
Details Published APR range: 12.24% - 17.99%. Introductory Purchase APR: 0%; A Buc-ee's branded credit card that saves you 5% when you fuel up and shop at participating Buc-ee's locations. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Platinum Mastercard	-	12.24%
Details Published APR range: 12.24% - 17.99%. Introductory Purchase APR: 0%; A smart personal finance card with low rates that make it a top choice for balance transfers and consolidating debt. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Platinum Visa	-	12.24%
Details Published APR range: 12.24% - 17.99%. Introductory Purchase APR: 0%; A top choice as a balance transfer credit card. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Onyx Mastercard	-	13.24%
Details Published APR range: 13.24% - 17.99%. Introductory Purchase APR: 0%; A flexible rewards credit card that pays you 2% cash back for all qualifying purchases. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Onyx Visa Signature	-	13.24%
Details Published APR range: 13.24% - 17.99%. Introductory Purchase APR: 0%; Pays you 2% cash back for all qualifying purchases. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
TDECU Business Platinum Mastercard	-	13.24%
Details Published APR range: 13.24% - 17.99%. Introductory Purchase APR: 0% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Texas Dow Employees Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.14%	12 to 72 months
Details Plus Certificate of Deposit Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Onyx Visa Signature	13.24%
Details Published APR range: 13.24% - 17.99%. Introductory Purchase APR: 0%; Pays you 2% cash back for all qualifying purchases. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.24% APR · checked 7 times 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
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Equipment Loans	-	-	7.99%	48 to 72 Month
Details Published APR range: 7.99% - 15.55%. Heavy commercial vehicles, manufacturing equipment, and medical equipment. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Line of Credit	-	-	10.25%	12 to 60 Month
Details Published APR range: 10.25% - 15.99%. A revolving line of credit that offers businesses the flexibility of getting the financing they need, when they need it. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Commercial Real Estate - NonOwner Occupied/Investment Loan	-	-	7.55%	Up to 25 Year
Details Published APR range: 7.55% - 10.49%. Financing for commercial construction, purchase, or refinance of your business facility. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.55% APR · checked 8 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 year
Details Published APR range: 7.55% - 10.49%. Financing for commercial construction, purchase, or refinance of your business facility. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.55% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Easy in 30 Refinance Fixed	8.13%	-	8.32%	30-year
Details An option to finance up to 3% of closing costs. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 7.68% → 8.32% ▲ 0.64 pts · high 8.32% / low 7.68% Oct 9, 20268.32%▲ from 8.08% Oct 2, 20268.08%▲ from 8.02% Sep 29, 20268.02%▲ from 7.90% Sep 26, 20267.90%▲ from 7.79% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Home Advantage Loan	-	-	7.24%	84 months
Details Plus Certificate of Deposit Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
SBA-Backed Loans	-	-	8.00%
Details Term: Contact us for details; Published APR range: 8.00% - 10.75%. Lending options from the Small Business Administration (SBA) that offer flexible financing solutions. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%
Second Home 10/1 ARM	7.88%	-	8.01%	10 years
Details An adjustable rate loan that supports the purchase of a second home. Offers a fixed rate for the first 10 years of the loan term. Starting at $85,000 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 7.62% → 8.01% ▲ 0.39 pts · high 8.01% / low 7.62% Oct 9, 20268.01%▲ from 7.90% Oct 2, 20267.90%▲ from 7.84% Sep 29, 20267.84%▲ from 7.72% Sep 26, 20267.72%▲ from 7.62% 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.90%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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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

Q2 2026 MBR Health & Safety Badge

Texas Dow Employees Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Texas Dow Employees Credit Union

How many branches does Texas Dow Employees Credit Union operate?

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

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

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

Is there a first-time homebuyer program?

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

Are credit management and repair services offered?

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

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

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

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%
MMA0.70%

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

Compare to Other Credit Unions

Texas Dow Employees Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Texas Dow Employees Credit Union Texas Ratio

Texas Dow Employees Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Texas Dow Employees Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Texas Dow Employees Credit Union

How many branches does Texas Dow Employees Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current Texas Dow Employees Credit Union Rates

Compare to Other Credit Unions