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Field of Membership
Membership is available to many residents in the Metro-Houston area, as well as many other areas of Southeast Texas. This includes Brazoria County, Matagorda County, and the cities of Angleton, Clute, Freeport, Lake Jackson, and Oyster Creek. You may also be eligible by volunteering at certain organizations, or working for one of many employer groups. Eligibility details...
NerdWallet's Consumer Friendliness Accolades
Credit Unions receive stars for meeting our consumer friendliness requirements.
Texas Dow Employees Credit Union is 5 stars better than your typical bank:
 Branches |  ATMs |  No Penalty APR |  No Int'l Fee |  No Advance Fee |
- Branch Convenience - This credit union is a member of CU Service Centers, a nationwide cooperative that allows customers to bank at over 4,000 partner credit union branches.
- ATM Convenience - This credit union is part of Allpoint, the nation's biggest surcharge-free ATM network.
- No Penalty APR - This credit union does not charge a higher penalty APR for being 60 days delinquent on credit card payments.
- No Foreign Transaction Fee - Most credit unions charge around 1%, whereas most banks charge around 3%. Very few credit unions earn a star here, which requires the credit union to eat the ~1% fee charged by Visa/MasterCard.
- No Cash Advance Fee - Your typical bank charges around 3%, while many credit unions charge much less. We give out stars for 0% cash advance fees on credit cards.
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