Texas Dow Employees Credit Union Houston TX | Best Mortgage Rates & Business Banking

Introduction

Welcome to Texas Dow Employees, your trusted financial partner located at 4455 University Dr Ste 144, Houston, TX 77204. Since our establishment in 1954, we have been dedicated to supporting our members with a wide range of financial services that truly make a difference in their lives. With a strong commitment to community and member satisfaction, we proudly serve over 379,058 members, helping them achieve their financial goals. Our credit union boasts impressive assets totaling $4,835,296,940 and maintains total deposits of $465,436,271. We understand the importance of accessibility in banking; that's why we offer various personal and business services including checking accounts, auto loans, mortgages, and more. Our aim is to ensure that every member feels valued and empowered. At the heart of our organization are exceptional leaders like CEO Isaac Johnson and Board President David Sikora, who guide us with integrity and vision. Our dedicated team of 878 employees works tirelessly to provide top-notch service to our community. While members can visit us at our Houston branch for all their banking needs, official correspondence should be directed to the same address listed above. You can reach us at 800-839-1154 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. Explore more about how we can assist you on your financial journey by visiting our website at TDECU. We invite you to become part of our family because at Texas Dow Employees Credit Union, your financial success is our mission!

Branch History & Mission

Welcome to the Texas Dow Employees branch, known as Tdecu - Uofh Cougar Branch, located in the vibrant city of Houston, TX. Since opening our doors in 1954, we have grown alongside our community, dedicated to providing exceptional financial services and support. With a current total membership of over 379,000 members, we take pride in being a trusted partner for families and individuals seeking financial wellness. Our branch is conveniently situated at 4455 University Dr Ste 144, Houston, TX 77204. Just a stone's throw from the University of Houston, we are easily accessible for students and residents alike. Our team is here to serve you with a variety of services including personal banking, auto loans, mortgages, and business banking solutions. At Texas Dow Employees Credit Union, our mission goes beyond just offering financial products; it's about empowering our members and enriching the community. We strive to provide personalized service that meets your unique needs while promoting financial literacy and stability. Our commitment to fostering relationships is reflected not only in our membership but also in our active participation in local outreach initiatives. Over the years, we've made significant strides in enhancing our digital services. Our online and mobile banking platforms offer convenient access to your accounts anytime, anywhere. With features like electronic signatures and person-to-person payments, managing your finances has never been easier. While our primary address is where you can find us at any time 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 please note that official correspondence should be sent to the same mailing address for consistency. As we look ahead, we remain committed to serving our members with integrity and dedication. Join us at Texas Dow Employees Credit Union and experience the benefits of being part of a community-focused organization that truly cares about your financial journey. For more information or to become a member today, visit us online at TDECU or call us at 800-839-1154. We're excited to welcome you!

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance before your visit, feel free to call us at 800-839-1154. We're excited to welcome you to Texas Dow Employees and help you achieve your financial goals! Come see us soon!

Nearby Landmarks and Accessibility

Located just off University Drive, we are easily reachable for anyone in the area. If you're visiting, you'll find ample parking available to make your trip hassle-free. Our location is fully ADA compliant, ensuring accessibility for all members. While members can visit us at 4455 University Dr Ste 144, official correspondence should be sent to our mailing address at 4455 University Dr. Ste 144, Houston, TX 77204-2610.

Operating Hours and Services

At Texas Dow Employees, we aim to fit into your busy schedule. Our doors are open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 10:00 AM to 12:00 PM. Whether you need personal banking services like checking and savings accounts or loans for your next vehicle purchase, we're here to help. For those who prefer cash transactions, you'll be pleased to know that we offer ATM services right at our branch. Although we don't have drive-thru banking available, our friendly staff is always ready to assist you inside.

Member Eligibility

At Texas Dow Employees, we believe that becoming a member is like joining a supportive family where your financial well-being is our top priority. If you're eager to experience the benefits of membership, let's talk about who can join us! You'll be pleased to know that eligibility is open to a variety of individuals and organizations, including those who live, work, or attend school in certain communities. For more detailed information on specific eligibility requirements, check out our resource at http://www.tdecu.org/membership/why-join-tdecu/. Opening an account with us is a breeze and can be done conveniently online. We provide various services tailored to meet your needs, from personal banking to loans and credit cards, all designed to help you thrive financially. If you have any questions or need assistance during the process, don't hesitate to give us a call at (800) 839-1154. We're here for you every step of the way as you embark on this exciting journey with Texas Dow Employees! For further details on how to open an account, visit us at http://www.tdecu.org/enroll-in-digital-banking/.

Business Banking & Commercial Services

Member and Non-Member Loan Opportunities

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 That Make a Difference

In addition to loans, we offer merchant services designed to streamline your operations. Imagine having easy payment processing options that let you focus on serving your customers instead of worrying about transactions. With our services, you can accept payments seamlessly, track sales effortlessly, and manage cash flow effectively. Located at 4455 University Dr Ste 144 Houston Tx 77204, Houston, TX 77204, we invite you to visit us or call (800) 839-1154 to learn more about how we can partner with you in achieving your business goals. Together, let's build a successful future!

Comprehensive List Of Services

Business Banking Services

At Texas Dow Employees, we understand that businesses need solid financial support. That's why we offer business banking services including merchant services and business loans. We aim to empower local businesses by providing resources that facilitate growth and success.

Convenient Access Anytime

With our ATM and cash withdrawal services, you can access your funds whenever you need them. Basic ATM functions like withdrawals and balance checks are available for your convenience. Plus, our online banking features mean you don't have to wait until business hours to manage your accounts. No matter what financial service you're looking for, we're here to help! If you have questions about any of our offerings or want to explore how we can support your financial journey, don't hesitate to reach out at (800) 839-1154 or visit us online at Tdecu - Uofh Cougar Branch. Join us today and experience the difference at Texas Dow Employees!

Credit Cards with Rewards

For those who love to shop or travel, our credit cards come with exciting rewards that make every purchase more rewarding. Whether it's cashback on groceries or points for travel, these benefits can enhance your spending power while keeping you within budget.

Loans Tailored for You

If you're considering purchasing a new car or refinancing your home, our auto loans and mortgage loans are designed with competitive rates to fit your budget. We also provide personal loans for various needs, such as debt consolidation or unexpected expenses. Our goal is to help you achieve financial freedom without overwhelming stress.

Personal Banking Solutions

Managing your finances should be easy and convenient. That's why we offer personal banking options like checking and savings accounts that help you keep track of your money effortlessly. Imagine having access to your funds at any time through our user-friendly online and mobile banking platforms. You can check balances, make transfers, and even pay bills right from your smartphone.

Digital & Online Banking

Accessibility and Security

Your safety is our top priority. Our online banking services are protected with advanced security measures, ensuring that your personal information stays safe while you enjoy the ease of managing your finances online. Whether you're making mobile payments or accessing your account 24/7 through our secure portal, rest assured that we've got you covered. At Texas Dow Employees, we're dedicated to providing an accessible banking experience tailored to fit your lifestyle. With user-friendly features and real-time account management, managing your money has never been easier. Explore all these services today and see how we can help streamline your banking experience!

Key Features

With our online banking platform, available at https://www.tdecu.org/, you can check your balances, transfer funds, and pay bills all in one place. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you're on the go, our mobile application allows you to do everything right from your smartphone. We know that keeping track of your finances is essential. That's why we provide e-statements for easy access to your account history without the clutter of paper. You can review your statements anytime, and with electronic signature authorization, signing documents is just as straightforward.

Financial Strength

Commitment to Growth and Innovation

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 $4,137,927,475 in loans and leases.

Growing Membership Base

We have built a strong relationship with our community as shown by our 677,513 total share accounts. This growing member base trusts us with their finances because they know we focus on what matters most their 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 4455 University Dr Ste 144 Houston Tx 77204 or call 800-839-1154 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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 net income of $0, which 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 and committed team.

Solid Financial Foundation

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 9.95% 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

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. Whether you're looking for financing on a new or used vehicle, we have options that can fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $342,303,845 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your existing business, we have tailored solutions that can support your ambitions.

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 provide competitive rates and personalized service to ensure you find the perfect solution for your housing needs.

Refinancing Options

If you're considering refinancing any of your current loans, talk to us about how we can help lower your monthly payments or adjust your loan terms. We aim to make refinancing straightforward so that you can focus on what matters most. All 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 about our loan offerings or to discuss eligibility options, feel free to contact us at (800) 839-1154 or visit us at 4455 University Dr Ste 144 Houston Tx 77204 in Houston, TX. We're here to assist you every step of the way!

Unsecured 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. These cards come with various rewards and benefits, allowing you to make purchases while earning points or cash back.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers are fair and transparent. Each financial institution listed undergoes a verification process, guaranteeing that users receive accurate information without hidden agendas.