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Unlocking Financial Flexibility with TDECU’s Value Plus Checking

Are you looking for a checking account that does more than store your money? TDECU’s Value Plus Checking is not just any checking account; it is a gateway to maximizing your financial growth and enjoying many benefits that support your lifestyle. With an impressive up to 4.00% Annual Percentage Yield (APY), this account is designed to make your money work harder for you.

Unlocking Financial Flexibility with TDECU’s Value Plus Checking

In addition to a high yield, Value Plus Checking has features that offer convenience and save you money. Whether you want to avoid ATM fees with a monthly rebate or manage your finances on the go with online and mobile banking tools, this account is structured to enhance your financial well-being.

What Makes Value Plus Checking1 Stand Out?

Unmatched Earnings with Competitive APY2

One of the standout features of the Value Plus Checking account is the opportunity to earn up to 4.00% APY on your account balances. This rate is among the highest in today’s market, making it an attractive option for anyone looking to grow their funds efficiently. By simply maintaining your daily activities, your money accrues interest at a rate far outpaces standard accounts.

Fee Structure and Waivers

Concerned about fees? TDECU has structured the Value Plus Checking to be as cost-effective as possible. There is a nominal $8.00 monthly fee, but it is easily waived by maintaining a $5,000 balance or setting up a monthly direct deposit of $1,000. This flexibility allows you to manage your account without worrying about mounting fees, keeping more money in your pocket.

Exclusive Account Benefits3

Comprehensive Protection and Security Features

Your financial security is a top priority with Value Plus Checking, which includes free credit score monitoring and ID theft protection. These services help you stay on top of your financial health and protect your identity, all without additional cost. Additionally, the account offers up to $800.00 in overdraft protection, giving you peace of mind when you need a little extra cushion. There is also up to $800 coverage for theft or damage on 4 phones, with a $50 deductible, paid through Value Plus Checking.

Everyday Convenience with Digital Banking Tools

TDECU understands the importance of accessible banking solutions. That is why Value Plus Checking includes cutting-edge online and mobile banking features. Whether you are paying bills, depositing checks via mobile deposit, or reviewing eDocuments, you have the power to manage your finances from anywhere, at any time. The convenience is indispensable for today’s busy lifestyles.

Additional Perks and Rewards4

Lifestyle and Wellness Benefits

Beyond financial tools, Value Plus Checking enriches your life with additional perks like Telehealth5 services and shopping rewards. Telehealth provides 24/7 access to doctors with zero copays, which is a benefit for both physical and financial health. Meanwhile, the shopping rewards program allows you to earn cash back on purchases and enjoy exclusive discounts, adding value to every transaction.

Local Discounts and Financial Wellness Program

As a TDECU Member, you will also enjoy local discounts and access to a comprehensive Financial Wellness Program. This program offers coaching, courses, and resources designed to improve your financial knowledge and stability. From budgeting to investing, these tools help you make informed financial decisions that foster long-term prosperity.

Your Gateway to Enhanced Financial Well-being

Choosing TDECU’s Value Plus Checking means opting for an account that saves you money and provides a suite of tools and services designed to improve your financial and personal well-being. With competitive interest rates, comprehensive protections, and a range of added benefits, it is more than just a checking account- it is a partner in your financial journey.

Ready to elevate your banking experience? Apply today and see how Value Plus Checking can make a difference. Join the TDECU Membership and start enjoying the multitude of benefits that come with your new account. It is your money; make it work for you with Value Plus Checking.


1The minimum opening deposit is $50.00. Other terms/conditions apply. Contact TDECU for complete details. Insured by NCUA. Membership required.

2APY = 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. Highest APY includes 4.00% 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 4/10/24. 

3Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

4Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

5Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.