Credit union · NCUA insured
TDECU
A $5.1B credit union, the 88th largest of 4,329, headquartered in Houston, TX, with 400,093 members and 33 branches in Texas. Best rates: CDs 3.95% and savings 0.40% APY.
TDECU Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#71 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TDECU
Formed in 1955 by Dow employees to provide financial help for hourly workers, TDECU is a Texas credit union with Lake Jackson roots.
Following expansions and mergers across Victoria and Houston, the credit union operates 31 Member Centers across Texas.
- Headquarters
- 2000 Post Oak Blvd, Ste 2100, Houston, TX 77056
- NCUA charter
- 60705
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Greater Houston, Victoria, Dallas-Fort Worth, or Gulf Coast are automatically eligible for membership.
- Individuals who live within 10 miles of a TDECU Member Center are eligible for membership.
Employers and groups
- Texas residents who currently work for, are retired from, or are immediate family members of an employee of a company served by TDECU are eligible for membership.
- Texas residents who are members of an organization served by TDECU are eligible for membership.
Family and household
- Individuals who are Texas residents and are immediate family members of or live in the same household as a current TDECU Member are eligible for membership.
Other ways
- Texas residents are eligible for TDECU membership by agreeing to join the Texas Consumer Council (TXCC) for free during the application process.
Branches
33 branches in Texas
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Texas
33 branches
Houston area · 22
- Angleton High School1 Campus Dr, Angleton, TX 77515Directions
- Angleton2900 N Velasco St, Angleton, TX 77515Directions
- Garth Road6011 Garth Rd, Baytown, TX 77521Directions
- Brazoria1601 N Brooks St, Brazoria, TX 77422Directions
- Cypress Miramesa20510 West Rd Ste 1100, Cypress, TX 77433Directions
- Freeport1701 N Brazosport Blvd, Freeport, TX 77541Directions
- Champions Forest5503 FM 1960 Rd W, Ste 108, Houston, TX 77069Directions
- UofH Cougar Branch4455 University Dr Ste 144, Houston, TX 77204Directions
- Greenway Plaza3800 Southwest Fwy Ste 100, Houston, TX 77027Directions
- Heights428 W 19th St, Houston, TX 77008Directions
- Houston10952 Westheimer Rd, Houston, TX 77042Directions
- Cinco Ranch24250 Cinco Ranch Blvd, Katy, TX 77494Directions
- TDECU Oak Drive80 Oak Dr, Lake Jackson, TX 77566Directions
- Missouri City9109 Sienna Christus Drive, Missouri City, TX 77459Directions
- Preston322 Preston Ave, Pasadena, TX 77503Directions
- Broadway9915 Broadway St, Pearland, TX 77584Directions
- Rosenberg24706 Southwest Fwy, Rosenberg, TX 77471Directions
- Spring Gosling5250 FM 2920 Rd Ste E, Spring, TX 77388Directions
- Sugar Land2109 Highway 6, Sugar Land, TX 77478Directions
- Texas City6151 Gulf Freeway, Texas City, TX 77591Directions
- Woodlands Six Pines9595 Six Pines Dr, The Woodlands, TX 77380Directions
- Columbia High School520 S 16th St, West Columbia, TX 77486Directions
Victoria area · 3
- Victoria Mockingbird1401 E Mockingbird Ln, Victoria, TX 77904Directions
- Victoria North Navarro9009 N Navarro St, Victoria, TX 77904Directions
- Victoria Rio Grande1514 E Rio Grande St, Victoria, TX 77901Directions
Dallas area · 2
- Town Center4312 Town Center Dr, Fort Worth, TX 76115Directions
- Garland1920 Northwest Hwy, Garland, TX 75041Directions
Bay City area · 1
- Bay City4205 7th St, Bay City, TX 77414Directions
Cuero area · 1
- Cuero1001 E Broadway St, Cuero, TX 77954Directions
Edna area · 1
- Edna624 S Wells St, Edna, TX 77957Directions
Hallettsville area · 1
- Hallettsville1627 N Texana St, Hallettsville, TX 77964Directions
Port Lavaca area · 1
- Port Lavaca2318 W Main St Unit A, Port Lavaca, TX 77979Directions
Yoakum area · 1
- Yoakum601 Huck St, Yoakum, TX 77995Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.17% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.77% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.52% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $108 | $88 | — |
- CapitalNet worth ratio10.17%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.77%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$108Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of TDECU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.