Texas Dow Employees Credit Union Bay City TX | Best Auto Loans & Business Banking

Introduction

Welcome to Texas Dow Employees, your trusted partner in financial growth and community well-being. Located at 4205 7Th St, Bay City, TX 77414, we have been dedicated to serving our members since 1954. With a robust membership of over 379,058 individuals, we pride ourselves on being more than just a credit union; we are a community-focused institution committed to helping you achieve your financial goals. At Texas Dow Employees, our total assets stand strong at an impressive $4,835,296,940, reflecting our stability and commitment to serving you. We've facilitated a remarkable number of loans and leases over 207,297 and have secured total deposits of $465,436,271 for our members. Our net worth of $481,391,425 showcases our financial health and resilience in providing quality services. Our CEO, Isaac Johnson, along with Board President David Sikora, leads a dedicated team of 878 employees who are passionate about ensuring that every member receives personalized service tailored to their unique needs. Whether you're looking for personal banking solutions or business financing options, we offer a range of services including checking and savings accounts, auto loans, mortgages, and more. While members can visit us at our branch for all your banking needs during lobby hours from Monday to Friday (9:00 AM 5:00 PM) and Saturday (10:00 AM 12:00 PM), official correspondence should be sent to the same address. We invite you to explore our website at tdecu.org for additional resources or to reach out via phone at 800-839-1154 for any inquiries. Join us as we continue to make a positive impact in Bay City and beyond! Your financial future is brighter with Texas Dow Employees by your side.

Branch History & Mission

Commitment to Accessibility

We're proud to offer ADA-compliant facilities that ensure everyone can access our services comfortably. With an ATM available on-site and drive-thru banking for quick transactions during operating hours Monday to Friday from 9:00 AM to 5:00 PM and Saturday from 10:00 AM to 12:00 PM we are here to serve you efficiently. While you can visit us at our main branch address for all your banking needs, any official correspondence should be sent to the same location: 4205 7th St, Bay City, TX 77414.

Community Engagement and Services

Our dedication goes beyond just banking; we strive to make a positive impact through various outreach programs and partnerships within Bay City and surrounding areas. Whether it's sponsoring local events or supporting educational initiatives, we are deeply invested in enhancing the lives of those around us. We understand that convenience matters. That's why we offer a range of services tailored to fit your lifestyle, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Plus, with features like online and mobile banking available 24/7, managing your finances has never been easier.

Join Us Today!

As we look towards the future, we invite you to join us on this journey. Experience the benefits of being part of a member-focused credit union where your financial well-being is our top priority. To learn more about becoming a member or opening an account with Texas Dow Employees Credit Union, visit us online or call us at 800-839-1154 today! Together, let's build a brighter future for ourselves and our community.

Branch Location & Accessibility

Welcome to the Texas Dow Employees branch, conveniently located at 4205 7th St, Bay City, TX 77414. Our location is easy to find and is nestled in the heart of Bay City, a vibrant community that offers numerous shops and dining options nearby. Whether you're running errands or just passing through, we're here to serve your banking needs. At our branch, we prioritize accessibility for all members. Our facility is designed with ADA compliance in mind, ensuring that everyone can easily access our services. Plus, we offer ample parking right outside the entrance, making your visit hassle-free. For those on the go, we provide drive-thru banking services so you can handle your transactions without ever leaving your vehicle. Our ATM is available as well for quick cash withdrawals and balance checks whenever you need them. We understand that life can be busy, which is why our operating hours are designed with your schedule in mind. Visit us Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 10:00 AM to 12:00 PM. If you have any questions or need assistance, don't hesitate to give us a call at 800-839-1154. While members can visit us at 4205 7th St, official correspondence should be sent to the same address for your convenience. We invite you to stop by our branch today and discover how we can help you with personal banking services like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more. We're excited to welcome you!

Member Eligibility

At Texas Dow Employees, we believe that becoming a member is like joining a caring community where your financial well-being is our top priority. If you're interested in becoming part of our family, you'll be pleased to know that membership is open to anyone who lives, works, or attends school in the areas we serve. This means whether you're a local resident, an employee at one of our partner organizations, or a student in the vicinity, you're welcome to join us! We offer a variety of services designed to meet your needs and help you achieve your financial goals. To get started on your journey with us, simply visit our website for more details on eligibility at http://www.tdecu.org/membership/why-join-tdecu/. Opening an account is straightforward! You can begin the process online by visiting http://www.tdecu.org/enroll-in-digital-banking/, or feel free to call us at (800) 839-1154 if you have any questions. Our friendly team is here to guide you every step of the way, ensuring your experience is smooth and enjoyable. We can't wait to welcome you to Texas Dow Employees, located at 4205 7Th St Bay City Tx 77414!

Business Banking & Commercial Services

At Texas Dow Employees, we understand that every business has unique needs and aspirations. Whether you're a startup looking to make your mark or an established company seeking to expand, we are here to help you thrive. Our commercial loan options are designed with your growth in mind. Imagine having the capital needed to invest in new equipment, hire more staff, or open another location. With our commercial lending programs, those dreams can become reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $293 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $342,303,845, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer merchant services tailored for busy owners like you. Picture this: swift payment processing that keeps your customers happy while you focus on what matters growing your business. Whether you're at a farmers' market or running a retail store, our services make transactions easy and efficient. Visit us at 4205 7Th St Bay City Tx 77414, Bay City, TX and let's discuss how we can support your business journey!

Comprehensive List Of Services

Convenient Access

To make banking even more convenient for you, we offer access to an ATM & Cash Withdrawal Services right here at our branch. Need quick service? Our Basic Drive-Thru Banking allows for easy deposits and withdrawals without leaving your car. With so many options available at Texas Dow Employees in Bay City, TX, it's never been easier to manage your finances effectively. If you're ready to explore what we have to offer or need assistance with any of our services, please don't hesitate to reach out! Give us a call at 800-839-1154, visit us online at www.tdecu.org, or stop by the branch during our hours: Monday to Friday from 9:00 am to 5:00 pm and Saturday from 10:00 am to 12:00 pm. We look forward to helping you achieve your financial goals!

Home Financing Made Easy

Dreaming of owning a home? Our Mortgage Loans & Refinancing services make it simple. We guide you through the mortgage process with competitive rates and personalized service. You can focus on finding the perfect home while we handle the financing details.

Personal Banking Solutions

Our Personal Banking options include various Checking & Savings Accounts tailored to help you manage your day-to-day expenses and long-term savings goals. Imagine easily accessing your funds through our Online & Mobile Banking services, which allow you to check balances, transfer money, and pay bills from anywhere. When life calls for a new car or unexpected expenses arise, our Auto Loans & Vehicle Financing can help get you behind the wheel quickly and affordably. And if you're looking to consolidate debt or need extra cash, our Personal Loans & Debt Consolidation options provide flexible solutions that fit your budget.

Rewards and Business Banking

Don't forget about our credit card offerings! With our Credit Cards with Rewards, you can earn points on every purchase making it easier to enjoy those little extras in life. For local businesses, we offer tailored Business Banking solutions including Merchant Services & Business Loans. Whether you're just starting out or looking to expand, we provide the financial tools necessary for growth and success.

Digital & Online Banking

Key Features

With features like electronic signature authorization, signing documents has never been easier or more secure. You can quickly and confidently approve transactions and paperwork without needing to visit a branch in person. Plus, e-statements are available to help you keep track of your finances while reducing paper clutter another step toward convenience! Need to send money to friends or family? Our person-to-person transfer service allows you to send money easily with just a few clicks. You can also take advantage of mobile payments, which let you make purchases directly from your phone no wallet required! We prioritize your security while ensuring that our services remain user-friendly. Our digital banking solutions are designed with advanced security measures, so you can bank with peace of mind knowing that your information is protected. At Texas Dow Employees, we believe in making banking accessible and straightforward for everyone. With real-time account management and easy-to-use features, you'll have complete control over your financial life right from the comfort of your home or wherever life takes you!

Financial Strength

At Texas Dow Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength is robust, reflecting our commitment to serving our community with reliability and trust. With a net worth of $481,391,425, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 995 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,296,120,436 in share certificates and $277,617,212 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $13,308,106, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $470,600,251 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; we offer $30,540 in used auto loans and have a total of $4,137,927,475 in loans and leases available to support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 859 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. We understand the importance of trust when it comes to your finances. Our total share accounts stand at 677,513, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Texas Dow Employees is your trusted partner. Visit us at 4205 7Th St Bay City Tx 77414 or call 800-839-1154 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Additional Lending Solutions

For business owners looking for growth opportunities, our outstanding commercial loans totaling $342,303,845 provide the capital needed to expand your business operations. We also offer personal loans and debt consolidation options to help manage your finances better. If you are considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out to us at 800-839-1154. Our knowledgeable team can guide you through the process and answer any questions you may have. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Texas Dow Employees in Bay City, TX, we're committed to helping you find the right loan product tailored to your needs. Visit us today and see how we can support your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $626,926,959 in used vehicle loans and $429,263,263 in new vehicle loans to help members get on the road safely and affordably. Whether you're considering a brand-new model or a reliable used vehicle, we can assist you in finding the right financing option.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $72,108,020, ensuring that you have access to affordable mortgage solutions that fit your budget and lifestyle.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $216,819,955 in these loans helping members manage their finances effectively, our credit cards come with competitive rates and rewards that can benefit your everyday spending.

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