You want community banking, you need online convenience. You have makeable dreams, you like achievable goals. Your life is getting better, your financial needs are growing bigger. Your future draws a clear picture, your family depends on smart choices. You did your research, you sought better options. You found Deere Employees Credit Union (DECU). You belong here.
Deere Employees Credit Union serves the community of John Deere employees, retirees, and families, including children, spouses, parents, siblings, in-laws, grandparents, and grandkids of current DECU members. We also welcome contract employees for John Deere and employees of wholly owned subsidiaries or joint ventures with John Deere; employees of John Deere Dealers and their families.
We Serve You
Why is DECU Membership Better?
- No more lines to stand in – 24/7 service puts convenient banking on your schedule
- Digital Banking access keeps you connected to your accounts any time of the day
- Live phone help is always available - 24/7 - (800) 338-6739 or (309) 743-1000
- Countrywide no-fee ATM access at more than 80,000 locations
- DECU membership is for life, no matter where you live or work
Why is DECU Membership Better?
- No more lines to stand in – 24/7 service puts convenient banking on your schedule
- Online Banking Access gives you access to your accounts any time of the day
- Live phone help is always available - 24/7 - (800) 338-6739 or (309) 743-1000
- Countrywide no-fee ATM access at more than 80,000 locations
- DECU membership is for life, no matter where you live or work
Online Account Opening
Here's how it works . . .
- Fill out and submit the online membership application. You’ll need your driver’s license or state ID and your Social Security number. For joint account owners, you will also need their Social Security number
- If you qualify, a member service representative will call to set up your account.
- Once verified, your account will be activated.
- Deposit $5* in a savings account and start your savings today.
- Add beneficiary information to your account.
Services we offer
- Checking
- Savings
- Loans
- Credit Cards
- Investment & Retirement Services
- Insurance Services
DECU members share in our financial success with market-leading rates, lower service fees, and no ATM fees. We reward members for their loyalty to Deere Employees Credit Union (DECU). The more connected to us through your use of products and services, the better return of your Owner Participation Account Rebate.
This year-end rebate returns excess earnings to you for your continued loyalty to the credit union. You can maximize your year-end rebate by choosing DECU as your Primary Financial Institution by looking to us for your loan and deposit needs. Earn a board-approved percentage of the total loan interest paid or dividends earned during that year.
Tips to Maximize Your DECU Rebate:
- For reoccurring source(s) of income, direct deposit your money into your checking account
- Actively use your debit and/or credit card
- Transfer your loans financed at other institutions
- Apply for a new best-in-market rate loan
- Protect your loans with debt-protection
We take service seriously. We frequently send out member surveys to see how we are doing to give our Member Experience Management Team valuable feedback and insight that helps us serve you better. When it comes to the services members say are important to them, over 90 percent rate us “very good” or “excellent”.
U.S. Patriot Act Notice: Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other ID.
How many transactions do I have to do to get a higher OPA?
Our program calculates your entire relationship with us. Just make sure you are frequently using your DECU debit/credit card!
What is the OPA?
This year-end rebate returns excess earnings to you for your continued loyalty to the credit union. You can maximize your year-end rebate by choosing DECU as your Primary Financial Institution by looking to us for your loan and deposit needs. Earn a board-approved percentage of the total loan interest paid or dividends earned during that year. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.
How is it calculated?
Our program calculates your entire relationship with us. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.
Do I have to have a debit/credit card to receive an OPA?
You do not have to have a debit or credit card, however, it does help!
Do I have to have a loan to receive an OPA?
You do not have to have a loan with us, however, it does help!
How do I get more back?
The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.
How can I join the Credit Union?
Only John Deere Employees and their families are eligible to join Deere Employees Credit Union. To become a member/owner, simply complete the Online Membership Application. After we have received your application, we will review it for qualification. If qualified to be a member, one of our experienced Member Service Representatives will call you to set up the account in your specifications. You will be required to deposit $5.00 for your share of membership in the Credit Union. Once you join, you are a member for life. No matter where you live, where you work, or for whom – you can still enjoy the same great benefits and services of Deere Employees Credit Union.
If I leave Deere can I remain a member?
Yes, once a member always a member.
If I begin as an I&RS member can I become a full member?
Yes, once you have created a relationship with our I&RS team, you qualify for membership.
Is my family eligible without working at Deere?
Yes, your immediate family qualifies for membership based on your relationship with the credit union.
Can I join if I am a dealership employee?
Yes, John Deere Dealership employees are eligible for membership.
Am I eligible if I am a Deere contract employee?
Yes, if you work for a contractor in a Deere facility and have been issued a John Deere badge, you are eligible.
Can retirees become members after employment?
Yes, Deere retirees qualify for membership.
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