Business Details
50+ Years
experience
Your Trusted Houston Credit Union for Banking & Financial Services
Texas Dow Employees Credit Union (TDECU) has been dedicated to improving lives through financial excellence since 1955. Founded by a group of Dow employees in Lake Jackson, Texas, we began with a simple mission to provide financial help for hourly workers. Over 70 years, we have grown to become the largest credit union in Houston and the fourth-largest in Texas, serving over 399,000 members with $4.8 billion in assets. Our commitment to community, education, health, and economic development remains central to our operations. We offer a full range of financial services, including checking and savings accounts, loans, mortgages, insurance, and investment solutions, all designed to meet the diverse needs of our members.Our REAL valuesRespect, Empathy, Accountability, and Leadershipguide every decision we make, ensuring we maintain the trust and loyalty of our members. We pride ourselves on low or no-fee products, free checking that pays interest, and innovative digital banking tools that empower members to manage their finances conveniently. Recognized as a Top Workplace by USA Today in 2025, we continue to prioritize exceptional service and community impact. Whether through financial education, local outreach, or personalized support, TDECU remains steadfast in its mission to help members achieve their financial dreams.
Services
Checking Accounts
Savings Accounts
Personal Loans
Mortgages
Credit Cards
Insurance
Investments
Digital Banking
Business Banking
Wealth Management
Details
- Year established: 1955
Highlights and features
- We have over 70 years of experience serving Texas communities.
- Our REAL values ensure exceptional, member-focused service.
- We offer free checking accounts that pay interest.
- We maintain low or no-fee product offerings.
- We were named a 2025 Top Workplace by USA Today.
Associations and certifications
- NCUA
Services
Checking Accounts
TDECU offers free checking accounts with no monthly fees or minimums. Members earn competitive APYs and receive rebates on non-TDECU ATM fees. These accounts are designed for everyday financial needs, providing flexibility and accessibility for personal and business use.
Personal Loans
Our personal loans provide up to $50,000 for home improvements, debt consolidation, or major expenses. With fixed APRs starting at 7.24% and terms up to 84 months, these unsecured loans offer predictable payments and no collateral requirements for qualified applicants.
Mortgage Loans
TDECU offers specialty mortgage solutions including first-time homebuyer programs. Rates start at 7.24% APR with flexible terms. We provide personalized guidance through the homebuying process, including pre-approvals, refinancing options, and dedicated mortgage advisors.
Credit Cards
Our credit cards feature no annual fees, low rates, and rewards programs. The Buc-ees Platinum Mastercard offers 5% discounts at participating locations and 0% introductory APR for six months. Digital tools help track spending and manage payments securely.
Wealth Management
Guided Wealth Portfolios provide algorithm-driven investment strategies tailored to individual goals. Services include retirement planning, tax-efficient investing, portfolio monitoring, and access to certified financial advisors for personalized guidance and portfolio adjustments.
People
Isaac Johnson
President & CEO
Isaac Johnson leads TDECU with over 25 years of financial leadership experience. He focuses on strategic growth, member satisfaction, and community impact while maintaining the credit union's REAL values and mission-driven approach.
Josh Brian
Chief Growth Officer
Josh Brian drives TDECU's expansion initiatives and member engagement strategies. With extensive background in financial services marketing, he prioritizes innovative solutions to enhance member experiences and grow community partnerships.
Jason Schneider
Chief Financial Officer
Jason Schneider oversees TDECU's financial operations and strategic planning. He ensures fiscal responsibility while implementing competitive rate structures and maintaining the credit union's strong financial position through economic challenges.
Qiara Suggs
Chief Human Capital Officer
Qiara Suggs leads talent development and organizational culture at TDECU. She fosters employee growth, maintains the REAL service standards, and ensures the credit union remains a top workplace through innovative HR practices and team engagement.
Michael Massey
Senior Vice President
Michael Massey manages key operational functions at TDECU. With deep industry expertise, he focuses on delivering exceptional member service while optimizing processes to maintain efficiency across the credit union's 36 service locations.
Questions
How do I become a TDECU member?
Membership is open to residents in specific Texas counties. Visit our website to check eligibility or contact us for assistance with joining.
What digital banking tools do you offer?
We provide mobile banking, online bill pay, check deposit, account management, budgeting tools, and customizable alerts through our secure digital platform.
Do you offer business banking services?
Yes, we provide business checking, loans, credit cards, and insurance solutions tailored to meet the needs of small and medium-sized businesses.
What mortgage programs are available?
We offer conventional, FHA, VA, and first-time homebuyer programs with competitive rates and personalized guidance from mortgage advisors.
How can I report an insurance claim?
Contact our insurance team directly through our website or call center to report claims and receive assistance with the resolution process.
What investment options exist?
Guided Wealth Portfolios provides algorithm-driven investment strategies with access to certified advisors for retirement planning and portfolio management.
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