Pay as little as 7.99% APR and enjoy these features
- No annual, balance transfer, over limit, currency conversion, or cash advance fees, and no default rate
- Extended warranty
- $500,000 travel accident insurance
- Year-end summary of charges
- Free online account access & bill pay option
- Baggage delay insurance & much more!
Terms, APR, and Fees
|Interest Rates & Interest Charges|
|Annual Percentage Rate (APR) for Purchases||0% Introductory APR for six months1. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.|
|APR for Balance Transfers||0% Introductory APR for twelve months2. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.|
|APR for Cash Advances||0% Introductory APR for six months1. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.|
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau|
|Late Payment||Up to $25|
|Returned Payment||Up to $25|
|Rush card delivery||$37.50|
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” The information about the costs of the cards is accurate as of 10/26/2015. This information may have changed after that date. To find out what may have changed, call us at 800-839-1154 or write to us at TDECU, 1001 FM 2004, Lake Jackson, TX 77566-4012. The Credit Union may modify the terms of the credit agreement, including the periodic rate, at any time subject to such notice as may be required by applicable law.
1 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.
2 Offer applies only to balance transfer requests received by us within 30 business days of account opening.
APR = Annual Percentage Rate. Cardholder benefits are subject to change without notice.
Download Agreement and Disclosure here.