Texas Dow Employees Credit Union Houston TX | Quick Personal Loans & Business Banking

Introduction

Welcome to Texas Dow Employees, your trusted financial partner located at 10952 Westheimer Rd, Houston, TX 77042. Established in 1954, we have proudly served our community for decades, building a solid foundation of trust and reliability with our 379,058 members. As a member-focused credit union, we are dedicated to providing personalized financial services that meet your needs, from checking and savings accounts to auto loans and business banking. At Texas Dow Employees, our total assets amount to an impressive $4,835,296,940, showcasing our stability and strength in the industry. We understand the importance of making sound financial decisions; that's why we offer a wide range of products tailored to help you achieve your financial goals. With over $465,436,271 in total deposits and a net worth of $481,391,425, you can feel confident knowing that your money is in good hands. Our team is led by CEO Isaac Johnson and Board President David Sikora, who are committed to fostering a supportive environment for both our members and employees. With a dedicated staff of 878 employees, we ensure that everyone receives the attention and care they deserve. While you can visit us at our branch on Westheimer Rd for all your banking needs, please note that official correspondence should be directed to the same address. Our friendly staff is ready to assist you during lobby hours from Monday to Friday, 9:00 AM to 5:00 PM, and Saturday from 10:00 AM to 12:00 PM. We invite you to explore our website at tdecu.org for more information about our services or give us a call at 800-839-1154. Whether you're looking for personal banking options or need assistance with loans, Texas Dow Employees is here for you every step of the way!

Branch History & Mission

Join Us

As we continue this journey together with you, we invite you to experience the benefits of being part of Texas Dow Employees Credit Union. Whether you're looking for simple checking options or comprehensive business solutions, we are here to help you achieve your financial goals. Reach out today at 800-839-1154 or visit us online at TDECU to learn more about how you can join our vibrant community!

Our Mission

At the heart of Texas Dow Employees is our mission: to empower our members by providing tailored financial solutions while actively supporting the communities we serve. We believe that when our members thrive, so do our communities. That's why we engage in various outreach programs and partnerships aimed at fostering local growth and well-being. While members can visit us at 10952 Westheimer Rd for all their banking needs, official correspondence should be sent to 10952 Westheimer Rd, Houston, TX 77042-3204. We are proud to offer accessible services including an ATM for quick transactions and convenient lobby hours from Monday to Friday between 9 AM and 5 PM and Saturday from 10 AM to 12 PM.

Our Story

Our journey began when a small group of employees sought to create a financial institution that would prioritize their needs. This vision blossomed into what is now known as Texas Dow Employees Credit Union. Over the decades, we have not only expanded our membership base but also diversified our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. As we moved forward, our branch adapted to changes in technology and member preferences. We embraced digital advancements such as online banking and mobile payments, ensuring that our members could access their accounts conveniently and securely. Today, members can enjoy the ease of managing their finances from anywhere with just a few taps on their smartphones.

Branch Location & Accessibility

Accessibility Features

At Texas Dow Employees, we understand that accessibility matters. Our branch is designed with everyone in mind. We offer ample parking with accessible spaces close to the entrance and features such as ramps to ensure that all members can visit us easily.

Connect With Us

Have questions? Don't hesitate to reach out! You can give us a call at 800-839-1154. We invite you to stop by Texas Dow Employees today and discover how we can support your financial journey!

Operating Hours

We're here for you during the week! Our lobby hours run from 9:00 am to 5:00 pm Monday through Friday, and on Saturdays, we're open from 10:00 am until noon. Whether you're looking to open a new account or discuss loan options, our team is ready to assist you within these hours.

Services Offered

At our branch, you'll find a variety of services tailored just for you from personal banking solutions like checking and savings accounts to auto loans and mortgages. Need cash? We have an ATM available for quick withdrawals or balance checks. While we don't offer drive-thru banking at this location, we do provide online and mobile banking services so you can manage your finances anytime, anywhere.

Member Eligibility

At Texas Dow Employees, we believe that everyone deserves a supportive financial community. Becoming a member is simple and opens the door to a world of benefits tailored just for you. To join us, you need to meet certain eligibility criteria which can include being an employee of specific companies, a family member of an existing member, or even residing in our service area. Each path to membership is unique, and we're excited to welcome individuals from all walks of life. For detailed information on eligibility, feel free to visit our website at http://www.tdecu.org/membership/why-join-tdecu/. Once you're ready to take this step, opening an account at Texas Dow Employees is easy! You can start the process online by visiting http://www.tdecu.org/enroll-in-digital-banking/, or if you prefer, give us a call at (800) 839-1154 for assistance. Our friendly team is here to help you every step of the way as you begin your journey with us at our branch located at 10952 Westheimer Rd Houston Tx 77042. Join us today and discover how being part of our credit union can benefit you and your family!

Business Banking & Commercial Services

At Texas Dow Employees, we understand that every business has unique needs and dreams. Whether you are a budding entrepreneur or an established company, our commercial services are designed to help you thrive. 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. Imagine having the capital you need to purchase new equipment or expand your operations. With our tailored loan options, you can turn those ideas into reality. Additionally, our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From credit card processing to payroll solutions, we provide tools that make running your operation smoother. Visit us at 10952 Westheimer Rd Houston Tx 77042, Houston, TX, and discover how we can help your business reach its full potential!

Comprehensive List Of Services

Business Banking

For our members who own businesses, we offer specialized services such as merchant services and business loans. These tools are essential for managing cash flow and expanding operations. Having a reliable financial partner like us means you can focus on growing your business without the stress of financial uncertainty.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize online and mobile banking features, allowing you to access your accounts anytime, anywhere. From making payments through mobile applications to using ATMs for cash withdrawals and balance checks, managing your finances has never been easier. Whether you're visiting us in person or using our digital banking services, we're committed to ensuring that every member's experience is positive and fulfilling. If you have questions about any of our services or want to learn more about how we can assist you with your financial needs, please don't hesitate to call us at 800-839-1154. Join us at Texas Dow Employees today and discover how we can help you achieve your financial goals!

Mortgage Solutions

Buying a home is one of the biggest decisions you'll ever make. Our mortgage loans and refinancing options provide the support and guidance needed to navigate this process smoothly. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better rates, we're here to help you every step of the way.

Personal Banking

Our personal banking services include checking and savings accounts tailored to help you manage your day-to-day expenses while also saving for future goals. Imagine having a checking account that not only makes it easy to pay bills but also allows you to earn interest on your savings. At Texas Dow Employees, we make this possible! When it comes to financing your next vehicle, our auto loans and vehicle financing options are designed with flexibility in mind. We offer competitive rates and terms that can fit into any budget. Picture yourself driving off in your dream car without worrying about high monthly payments!

Personal Loans & Credit Cards

Need extra cash for unexpected expenses? Our personal loans and debt consolidation solutions can help lighten your financial load. Additionally, our credit cards come with rewards that let you earn points on everyday purchases imagine treating yourself just by using your card!

Digital & Online Banking

Key Features

Our mobile application makes banking on the go even simpler. You can make mobile payments easily and securely, allowing you to shop without the need for cash or cards. And with person-to-person transfers, sending money to friends or family is quick and hassle-free. For added convenience, we offer electronic signature authorization so you can sign documents digitally without needing to visit a branch. We also provide e-statements, which help you stay organized and reduce paper clutter. Security is a top priority at Texas Dow Employees. Our digital banking features are designed with advanced security measures to protect your personal information. You can feel confident knowing that your data is safe while you manage your finances online. Join us at Texas Dow Employees and take advantage of these digital banking services that empower you to have real-time control over your financial life. Visit https://www.tdecu.org/ today to learn more about how we can help make banking easier for 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 pride ourselves on our solid financial foundation, which allows us to support you in achieving your financial goals. 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 supports members' financial goals across various sectors with $30,540 in used auto loans and a total of $4,132,927,475 in loans and leases. Our $0 net income reflects our operational efficiency while ensuring we remain dedicated to 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. Total share accounts stand at 677,513, showing 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 10952 Westheimer Rd Houston TX 77042 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $626,926,959 in used vehicle loans and $429,263,263 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easy for you to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $342,303,845 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or need working capital, our team is ready to assist you.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $216,819,955 in loans helping members manage their finances effectively. Our credit card offerings come with great benefits, allowing you to earn rewards while enjoying low-interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $72,108,020, make buying or refinancing simple. We offer various mortgage products tailored to meet your needs, whether you're a first-time buyer or looking to refinance your current loan.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that could save you money over time. Our dedicated staff is here to discuss eligibility and guide you through the process seamlessly. At Texas Dow Employees, we're committed to helping our members succeed financially. For more information about our loan products or if you have questions about eligibility, feel free to contact us at (800) 839-1154 or visit us at our branch located at 10952 Westheimer Rd Houston Tx 77042 in Houston, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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