--- title: "Texas Dow Employees Credit Union Rates: HELOC 8.30%, Mortgage 7.36%" description: "Texas Dow Employees Credit Union rates today: 30 year fixed mortgage 7.36% APR, HELOC from 8.30% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Texas Dow Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/texas-dow-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Texas Dow Employees Credit Union Rates: HELOC 8.30%, Mortgage 7.36% ### Mortgage rates 14 offers | Product | Published | Rate | Term / condition | Status | | **VA 30-Year Fixed** 30 year fixed | — APR | 6.750% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | — APR | 6.750% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.360% APR | 7.250% | — | Standard | | **Conforming 30-Year Fixed *First Lien Only** 30 year fixed | — APR | 7.630% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.750% | — | Standard | | **Jumbo 7/1 ARM** 7 1 arm | — APR | 7.130% | — | Standard | | **Primary Home 10/1 ARM** 10 1 arm | — APR | 7.250% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.470% APR | 7.380% | — | Standard | | **Condominium 10/1 ARM** 10 1 arm | — APR | 7.500% | — | Standard | | **Investment Property 10/1 ARM** 10 1 arm | — APR | 7.750% | — | Standard | | **Easy in 30 Purchase Fixed** other | — APR | 8.000% | — | Standard | | **Land Loan** other | — APR | 8.250% | — | Standard | | **Pool Loan** other | — APR | 9.630% | — | Standard | | **Easy in 30 Refinance Fixed** other | — APR | 8.000% | — | Standard | Texas Dow Employees Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **HELOC 1 st Lien** heloc_variable | — APR | 7.750% | — | Standard | | **HELOC 2 nd Lien** heloc_variable | — APR | 8.250% | — | Standard | | **Streamline Home Equity Loan *First Lien Only** heloc | — APR | 8.250% | — | Standard | | **Streamline Home Equity Loan** heloc | 8.300% APR | 8.250% | — | Standard | Texas Dow Employees Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Advantage Personal Loan** personal_unsecured | — APR | 7.790% | — | Standard | Texas Dow Employees Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Checking** checking | — APY | 3.00% | — | Specialty offer | Texas Dow Employees Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Commercial Equipment Loan** equipment | — APR | 7.990% | — | Standard | Texas Dow Employees Credit Union equipment loan rates as of November 12, 2026 As of November 12, 2026, Texas Dow Employees Credit Union offers a 30-year fixed mortgage at 7.36% APR. HELOC rates from 8.3% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/texas-dow-employees) , verified from [Texas Dow Employees Credit Union's official website](https://www.tdecu.org/) Best product position **Room to improve vs. the Texas median** 30-year fixed mortgage Gap to state best **194 bp** 194 bp from state best Vs. state median **48 bp behind median** 30-year fixed mortgage Products ranked **2** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.36% | Room to improve vs. the Texas median | 194 bp from state best | 48 bp behind median | | HELOC | 8.30% | Room to improve vs. the Texas median | 305 bp from state best | 205 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Texas Dow Employees Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=texas-dow-employees&state=texas&code=TX&name=Texas%20Dow%20Employees%20Credit%20Union) Loading branch locator… ## About Texas Dow Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 400.1K Assets $5.1B Founded 1954 Locations reported 34 NCUA charter 60705 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Membersource** Williams Tower · Houston · TX · 77056-6168 About 0.9 miles away](https://rateapi.dev/credit-unions/texas/membersource) [**Advancial** River Oaks Houston · Houston · TX · 77027 About 0.9 miles away](https://rateapi.dev/credit-unions/texas/advancial) [**Heritage Hub** Headquaters · Houston · TX · 77057 About 1.8 miles away](https://rateapi.dev/credit-unions/texas/heritage-hub) [**BCM** Iron Mountain · Houston · TX · 77081-2107 About 1.9 miles away](https://rateapi.dev/credit-unions/texas/bcm) [**Houston** Greenway Plaza · Houston · TX · 77046-0003 About 2.5 miles away](https://rateapi.dev/credit-unions/texas/houston) [**Energy One** Greenway Plaza · Houston · TX · 77046-0521 About 2.5 miles away](https://rateapi.dev/credit-unions/oklahoma/energy-one) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Texas Dow Employees Credit Union Membership eligibility from Texas Dow Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Texas Dow Employees Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Texas Dow Employees Credit Union's membership page](https://www.tdecu.org/) . Final membership determination is always made by the credit union. ## Work at Texas Dow Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Texas Dow Employees Credit Union ranks against Texas peers. - See which AI assistants fetched Texas Dow Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=texas-dow-employees&state=texas&code=TX&name=Texas%20Dow%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Texas Dow Employees Credit Union offer? Texas Dow Employees Credit Union currently offers mortgage, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Texas Dow Employees Credit Union rates updated? RateAPI verifies Texas Dow Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Texas Dow Employees Credit Union's rate data? Rate data is collected directly from Texas Dow Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Texas Dow Employees Credit Union's mortgage rate? As of November 12, 2026, Texas Dow Employees Credit Union offers a 30-year fixed mortgage at 7.36% APR. ### What is Texas Dow Employees Credit Union's HELOC rate? As of November 12, 2026, Texas Dow Employees Credit Union offers home equity lines of credit from 8.3% APR. ### Who can join Texas Dow Employees Credit Union? Texas Dow Employees Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Texas Dow Employees Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.tdecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Texas Dow Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Texas Dow Employees Credit Union curl "https://api.rateapi.dev/credit-unions/texas /texas-dow-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Texas Dow Employees Credit Union locations Search, filter, and browse all 34 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/texas-dow-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp