You belong here.

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

The only shareholders we answer to are our members, and that means getting things done quickly by phone, email or online rather than waiting in line. Our board is made up of members with no outside shareholders, and that allows us to focus on innovative products and services that make it easy and convenient to bank anywhere at any time.

Why is DECU Membership Better?

  • No more lines to stand in – 24/7 service puts convenient banking on your schedule
  • Online and Mobile 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 . . .

  1. 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
  2. If you qualify, a member service representative will call to set up your account.
  3. Once verified, your account will be activated. 
  4. Deposit $25 in a savings account and start your savings today.
  5. Add beneficiary information to your account.

Services we offer

  • Checking
  • Savings
  • Loans
  • Credit Cards
  • Investment & Retirement Services
  • Insurance Services

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 $25.00 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.

Recommended Reading

Cyber Distancing – How to Avoid Online COVID-19 Scams

Washing hands, wearing a mask, and maintaining social distance with others are just a few of the many precautionary measures that we can all do to keep ourselves and our communities safe and healthy. Taken together, every little bit helps when everybody plays their part.  Unfortunately, there are scammers out there right now trying to […]

Financial Best Practices – Back to Basics

Since 1935 DECU has been serving John Deere employees and their families, and in that time we’ve built up quite a set of tools to help reach our 42,000 members in 50 states and 56 countries. Offering everything from savings accounts to mortgage loans to retirement & investment planning, DECU has Best-In-Market rates and a […]

Our Response to COVID-19

To Our Members, These are very strange times for sure. Please rest assured that Deere Employees Credit Union is safe, sound and every department fully functional. Remote service delivery is not new for our credit union. Our Pandemic Team has been preparing for the Pandemic event for many weeks now. They have been readying our […]

What is a HELOC and is it right for me?

What is a HELOC? A home equity line of credit is a loan where the lender agrees to lend a maximum amount within a set time period, and the collateral is the borrower’s equity in their house. Homeowners who want to consolidate high-interest debt or finance home improvement projects can tap into their home’s equity […]