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Checking Accounts

APY2 up to

3.00%

Credit Cards

Introductory APR3 of

0%

Commercial Equipment Loans

APR4 starting at

7.99%

Home Advantage Loans

APR5 starting at

7.24%

Improving Lives. It’s What We Do.®

Last year our Members saved $50.6 million in lower rates and fees.
Tired of waiting for your paycheck to appear in your checking account?

Get paid up to two days early with direct deposit!5

BUC-EE’S PLATINUM MASTERCARD®
Save at the pump

As a Buc-ee’s Platinum Mastercard® cardholder, you will receive great benefits, including:

  • 5% discount in-store and at the pump at Buc‑ee’s7
  • 0% introductory APR 3
  • No annual fees
Apply Now

Score Big with Every Swipe
Team up with TDECU and the Texans

With a TDECU checking account, you can enjoy:

  • Surcharge-free ATMs6
  • No monthly minimums
  • Earn up to 20x the national average1 on your account balances
Apply Now

Protect yourself from fraud
TDECU will NEVER ask for your:

  • Username

  • Password

  • PIN

Via text, direct message, or phone.

Learn More

BUC-EE’S PLATINUM MASTERCARD®
Save at the pump

As a Buc-ee’s Platinum Mastercard® cardholder, you will receive great benefits, including:

  • 5% discount in-store and at the pump at Buc‑ee’s7
  • 0% introductory APR 3
  • No annual fees
Apply Now

TDECU Digital Banking Tools

Once enrolled in digital banking you will enjoy the following features from your computer, tablet, or mobile device.

Transaction & Payments

Transaction & Payments

Transfer money between accounts, pay bills, and deposit checks (mobile only).

Account Management

Account Management

Check your account balance and history, access your account statements and manage your cards.

Financial Planning & Security

Financial Planning & Security

Track spending, create budgets, and set customizable alerts.

Bank Smarter, Anytime, Anywhere

Download the TDECU Mobile App to manage your money on the go. Check balances, transfer funds, deposit checks, pay bills, and stay on top of your finances—all from the palm of your hand.

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Ready to manage your finances on the go?

TDECU Digital Banking offers secure and convenient banking from anywhere, at anytime.

Ready to manage your finances on the go?

Enroll now and enjoy the benefits of secure and convenient banking from anywhere, at anytime.

Can't find what you're looking for?

Try our search below.

Free refers to no monthly maintenance fees. Subject to account and penalty fees.  See fee schedule.

2 APY = Annual Percentage Yield. Must be at least 18 years of age to open a Value Plus Checking (VPC) account with a limit of two accounts per member. The minimum opening deposit is $50.00. Highest APY includes 3.00% on VPC balances <$50,000.00 and 0.25% on VPC balances >$50,000.00. Account holders will receive a maximum monthly rebate of $30.00 on non-TDECU ATM fees. Rates are subject to change without notice. APY is as of 8/1/25. Other terms/conditions apply. Contact TDECU for complete details. Insured by NCUA.

3 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.

4 APR=Annual Percentage Rate. Rate and term based upon vehicle make, model, and credit qualification. Rates, terms, and conditions subject to change. Credit subject to approval. Other rates are available.

5APR = Annual Percentage Rate. Rates, terms, and offer subject to change without notice. Credit approval and proof of income required. Other terms and conditions may apply; contact TDECU for details. Advertised rates include a 0.25% discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account and an additional 0.50% discount for having your mortgage with TDECU. Terms of Repayment: A $20,000 TDECU Home Advantage Personal Loan with an 84-month term at 8.99% equals a $321.68 monthly payment; Other terms/conditions apply; contact TDECU for details

6Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. Exceptions may apply.

7 Buc-ee’s fuel and in-store discount offer is available at participating locations, subject to end without notice, and is not valid with other discounts. Other restrictions may apply.

Free refers to no monthly maintenance fees. Subject to account and penalty fees.  See fee schedule.

2 APY = Annual Percentage Yield. Must be at least 18 years of age to open a Value Plus Checking (VPC) account with a limit of two accounts per member. The minimum opening deposit is $50.00. Highest APY includes 3.00% on VPC balances <$50,000.00 and 0.25% on VPC balances >$50,000.00. Account holders will receive a maximum monthly rebate of $30.00 on non-TDECU ATM fees. Rates are subject to change without notice. APY is as of 8/1/25. Other terms/conditions apply. Contact TDECU for complete details. Insured by NCUA.

3 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.

4 APR=Annual Percentage Rate. Rate and term based upon vehicle make, model, and credit qualification. Rates, terms, and conditions subject to change. Credit subject to approval. Other rates are available.

5APR = Annual Percentage Rate. Rates, terms, and offer subject to change without notice. Credit approval and proof of income required. Other terms and conditions may apply; contact TDECU for details. Advertised rates include a 0.25% discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account and an additional 0.50% discount for having your mortgage with TDECU. Terms of Repayment: A $20,000 TDECU Home Advantage Personal Loan with an 84-month term at 8.99% equals a $321.68 monthly payment; Other terms/conditions apply; contact TDECU for details

6Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. Exceptions may apply.

7 Buc-ee’s fuel and in-store discount offer is available at participating locations, subject to end without notice, and is not valid with other discounts. Other restrictions may apply.