TDECU, which stands for Texas Dow Employees Credit Union, is structured as a large member-owned financial cooperative rather than a traditional stockholder-owned commercial bank, headquartered in Lake Jackson, Texas. Operating as a state-chartered credit union regulated by the National Credit Union Administration, it provides a comprehensive array of retail banking alternatives, including consumer savings accounts, checking products, auto loans, mortgages, credit cards, and investment services. Because it is organized as a cooperative, its depositors are technically member-owners who elect a volunteer board of directors, allowing the institution to return financial earnings back to members in the form of lower loan interest rates, higher savings yields, and reduced fee structures, serving hundreds of thousands of members primarily across the greater Houston region and surrounding Texas communities.