TDECU

Official name

TDECU (Texas Dow Employees Credit Union)

Charter / type

NCUA-insured credit union (confirm via NCUA locator). Large Texas CU with Greater Houston Member Centers. Absorbed Space City Credit Union via 2024 merger (Space City is not a separate Joinable listing).

Field of membership (summary)

Published eligibility page: automatically eligible if you live, work, worship, or attend school in Greater Houston, Victoria, Dallas–Fort Worth, or Gulf Coast. Also: any Texas resident is eligible if they agree to join the Texas Consumer Council (TXCC) for free during the TDECU application process. Additional paths: immediate family/household of a current member (must be Texas resident); live within 10 miles of a TDECU Member Center; organization or employer groups TDECU serves (Texas resident).

Join steps (as published)

Confirm Greater Houston geographic path or free TXCC enrollment during application. Open Share Savings with a published $5 opening deposit / $5 minimum balance. Apply via tdecu.org.

Fees (only if published)

Share Savings: $5 opening / minimum; no monthly maintenance fee on Share Savings (rates/savings materials). Fee Schedule (Nov 2024 PDF still published): NSF/Courtesy Pay lines at $32; Value Plus Checking may carry monthly requirement fee when conditions not met — see current schedule. Confirm latest fee PDF on tdecu.org.

ATM / network notes

55,000+ surcharge-free Allpoint ATMs nationwide (locations / savings pages). Value Plus Checking marketing: max monthly rebate of $30 on non-TDECU ATM fees when account requirements met (checking footnotes).

Branches serving Greater Houston

Multiple Houston Member Centers (Heights, Westheimer, Greenway, Champion Forest, University of Houston marketing). Use tdecu.org locations — do not invent addresses.

Caveats

“Greater Houston” is published as a named geography — not a county checklist. TXCC path is free association during application (Texas residents). Space City CU merged into TDECU — use this listing. CIP always applies.

Join difficulty rationale

Easy — published Greater Houston live/work/worship/school path plus free statewide TXCC association path.

Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.