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

Introduction

Welcome to Texas Dow Employees, your trusted credit union located at 6011 Garth Rd, Baytown, TX 77521. Since our establishment in 1954, we have dedicated ourselves to providing exceptional financial services and support to our community. With a total membership of 379,058, we pride ourselves on being more than just a bank; we are a community partner committed to helping you achieve your financial goals. At Texas Dow Employees, we manage an impressive $4,835,296,940 in total assets and offer a range of services tailored to meet your needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we've got you covered. Our robust portfolio includes over 207,297 loans and leases and total deposits amounting to $465,436,271. Our leadership team is here to guide you every step of the way. Under the direction of CEO Isaac Johnson and Board President David Sikora, our dedicated staff of 878 employees works tirelessly to ensure that every member receives personalized attention and service that exceeds expectations. While members can visit us at our branch location, official correspondence should be sent to the same address: 6011 Garth Rd, Baytown, TX 77521. For any questions or assistance, feel free to reach out by calling us at 281-420-1400 or faxing us at 979-299-1462. Discover the difference that a member-focused credit union can make in your life. Visit us online at tdecu.org for more information about our services and how we can help you start on the path toward financial success today!

Branch History & Mission

Modern Services

In today's fast-paced world, we understand that convenience matters. That's why we've integrated modern banking solutions such as online banking, mobile payments, and e-statements into our offerings. Our commitment to ADA compliance ensures that all members can access our services easily. Whether you prefer visiting us in person or using digital tools from the comfort of your home, TDECU is here for you complete with ATM availability and drive-thru services for quick transactions. Join us on this journey! Experience firsthand how TDECU can help you reach your financial dreams while being part of a community-focused credit union. We invite you to become a member today by visiting our website or stopping by the branch. Together, let's build a brighter future!

Our Journey

From humble beginnings as a small credit union focused on serving employees of the Texas Dow Chemical Company, TDECU has expanded its reach to provide exceptional financial services for everyone in the region. Over the decades, we have embraced innovation while maintaining our core values of trust and service. Our evolution reflects a commitment to understanding our members' needs and delivering solutions that enhance their financial well-being. We are proud of our dedicated team who work tirelessly to support our members. With a staff of 878 employees ready to assist you, we ensure personalized service is always just a call away. You can reach us at 281-420-1400 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 10:00 AM to 12:00 PM.

Our Mission

At TDECU, we believe that financial empowerment starts with education and access. Our mission is simple yet powerful: to improve the lives of our members through accessible financial services and community involvement. We offer a range of products tailored to meet diverse needs from checking accounts and auto loans to business banking solutions. Beyond just providing financial products, we actively engage with local organizations and initiatives that uplift our community. By partnering with schools and nonprofits in Baytown and surrounding areas, we strive to foster growth and development for all.

Branch Location & Accessibility

Operating Hours

We know that life gets busy! That's why we offer flexible operating hours to fit your schedule. Our lobby is open from 9:00 AM to 5:00 PM Monday through Friday and from 10:00 AM to 12:00 PM on Saturdays. This gives you plenty of time to stop by before or after work or even on the weekend!

Services Offered

At Texas Dow Employees, we provide a full range of personal banking services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Need cash? Our ATM is available for quick withdrawals and balance checks anytime. Prefer a face-to-face interaction? Take advantage of our drive-thru service for deposits and simple transactions without leaving your vehicle. For any inquiries or assistance, don't hesitate to give us a call at 281-420-1400. Our friendly staff is eager to assist you with whatever you need. We invite you to come visit us at Texas Dow Employees on Garth Road where convenient banking meets exceptional service!

Member Eligibility

Becoming a member of Texas Dow Employees is like stepping into a welcoming community that truly cares about your financial well-being. To join us at our branch located at 6011 Garth Rd Baytown Tx 77521, you'll need to meet some simple eligibility criteria, which typically include living, working, or worshipping in the areas we serve. We're all about inclusivity, so whether you're a first-time member or looking to switch from another financial institution, you'll find a home here. For detailed information on eligibility requirements, feel free to check out our website at http://www.tdecu.org/membership/why-join-tdecu/. Once you're ready to take the next step, opening an account with us is easy! You can begin the process online by visiting http://www.tdecu.org/enroll-in-digital-banking/. If you have any questions along the way or just want to chat with someone about your options, don't hesitate to give us a call at (281) 420-1400. We're excited to help you start this journey with us!

Business Banking & Commercial Services

Commercial Loan Options

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.

Merchant Services

Imagine having the ability to accept payments quickly and securely, allowing you to focus on what really matters growing your business. Our merchant services provide an easy way to process transactions, manage sales data, and enhance customer experiences. By choosing Texas Dow Employees, you're not just getting a bank; you're gaining a partner committed to your success. Visit us at 6011 Garth Rd Baytown Tx 77521, Baytown, TX, or call us at (281) 420-1400 to learn more about how our business banking and commercial services can empower you today!

Comprehensive List Of Services

Auto Loans & Financing

If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help make that dream a reality. With competitive rates and flexible terms, we understand the importance of getting you behind the wheel quickly and affordably. You can apply online from the comfort of your home or visit us directly at our branch.

Business Banking Services

For our business members, we offer robust business banking solutions, including merchant services and business loans. These services ensure that your business has access to the capital needed for growth while simplifying everyday transactions.

Convenient Access with ATMs and Drive-Thru Services

We understand that convenience matters. That's why we provide easy access to funds through our ATM services where you can withdraw cash or check balances anytime. Additionally, enjoy hassle-free transactions at our drive-thru service, perfect for quick deposits or withdrawals without leaving your car.

Credit Cards with Rewards

Experience the benefits of shopping smarter with our credit cards that offer rewards. Earn points on purchases that can be redeemed for travel, merchandise, or cash back whatever suits your needs best!

Digital Banking Features

With features like mobile payments, person-to-person transfers, and e-statements, managing your finances has never been easier. Our digital banking tools allow you to keep track of your accounts on-the-go giving you peace of mind no matter where life takes you. At Texas Dow Employees, we are dedicated to making banking easy and accessible for everyone in Baytown and beyond. If you're ready to explore how these services can benefit you personally or for your business, don't hesitate to reach out! Call us today at 281-420-1400 or visit us in person we're excited to help you achieve your financial goals!

Mortgage Loans & Refinancing

Home ownership is a significant milestone, and at Texas Dow Employees, we offer comprehensive mortgage loans and refinancing solutions. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our experienced team is here to guide you every step of the way.

Personal Banking Solutions

Whether you're opening your first checking account or looking for savings options, our personal banking services are designed with you in mind. We provide various checking and savings accounts that cater to your lifestyle and financial goals. Imagine having a straightforward way to save for that dream vacation or manage day-to-day expenses all available through our user-friendly online and mobile banking platforms.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our personal loans and debt consolidation services can provide the financial relief you need during challenging times. Whether it's funding a major expense or consolidating debt into one manageable payment, we're here to help simplify your financial journey.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter! We provide e-statements that are not only eco-friendly but also easily accessible. You'll receive your statements right in your inbox, allowing for quick reviews and better organization of your financial records. For those on the go, our mobile application offers all the features you need at your fingertips. You can make mobile payments easily, ensuring you never miss a beat whether you're out shopping or dining. Plus, our person-to-person transfer feature lets you send money to friends and family instantly no more waiting for checks to clear!

Security You Can Trust

We prioritize your security with robust measures in place. Your information is protected with top-notch encryption technology, giving you peace of mind as you manage your finances online. At Texas Dow Employees, we aim to empower our members with accessible, easy-to-use tools for real-time account management. Whether you're using our mobile app or logging into online banking from home, you'll find that managing your money has never been simpler or safer!

Financial Strength

A Growing Community

The trust shown by our members is evident as we proudly serve 677,513 accounts within our community. This strong member base highlights the reliability of Texas Dow Employees as a cornerstone for your financial needs. 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 6011 Garth Rd Baytown Tx 77521 or call (281) 420-1400 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Operational Efficiency

Our operational efficiency is reflected in our $0. This allows 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, committed team.

Reinvesting in Your Future

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 supports your financial goals across various sectors with $30,540 in used auto loans and $4,137,927,475 in total loans and leases.

Strong Capital Base

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.

Loan Offering

Auto Loans

Are you looking to buy a new car? Our auto loans provide some of the most competitive rates in the industry. We've issued $626,926,959 in used vehicle loans and $429,263,263 in new vehicle loans, making it easier for our members to get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used car, our auto financing options can help you drive away satisfied.

Business Financing

For business owners seeking capital for growth and expansion, our commercial loans stand at an impressive total of $342,303,845. We recognize how crucial funding is for small businesses and are dedicated to providing tailored solutions that align with your objectives. If you're interested in refinancing any existing loans or want to explore eligibility options for our various loan products, don't hesitate to reach out! We're here to help you navigate through your choices. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information or assistance with your loan application process, please contact us at 281-420-1400, or visit us at our branch located at 6011 Garth Rd Baytown TX 77521 during our operating hours from Monday through Friday 9:00 am 5:00 pm and Saturday from 10:00 am 12:00 pm. Your financial success is important to us at Texas Dow Employees. Let's work together towards reaching your goals!

Credit Lines and Unsecured Loans

For those looking for flexibility in managing their finances, we have excellent credit line options with a total availability of $1,723,343,200. Additionally, our unsecured credit card loans amounting to $216,819,955 help members handle unexpected expenses without the worry of collateral. With straightforward terms and conditions, you can trust us to support your financial management effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options are tailored to simplify your journey towards buying or refinancing your home. We offer Junior Lien 1-4 Family Residential Properties loans totaling $72,108,020. Our knowledgeable team is ready to guide you through each step of the process, ensuring that you find the right mortgage solution for your needs.

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