Coronavirus COVID-19 Financial Relief and Solutions Center
Member Centers are open, flexible, and here for you. We’ve expanded our hours of operation and appointments are available for your convenience, but are not necessary.
Watch VideoWe're open to serve you and are taking precautions to keep you safe
Here are a few tips and important information to help us ensure you get great Member service.
Optional appointments
Walk-ins are welcomed at our Member Centers, but we also offer online appointment scheduling. Appointments are a convenient way to save time and make the most of your meeting with us.
Check before you go
Please check TDECU.org before you visit a Member Center. Due to the COVID-19 situation some Member Center hours and availability may change on very short notice.
Employee and Member safety
In order to protect you, our Employees and other Members, a face mask is required during your visit. If you do not have one, we will have one available for you. If you are not feeling well please avoid visiting a Member Center.
Bank from anywhere with the TDECU Digital Banking app and TDECU.org
In addition to our drive thru and ATM services, we encourage you to take advantage of our comprehensive digital banking options for managing a wide range of transactions without leaving your home. Online/Mobile Banking allows you to:
- View account balances and other information
- Make updates to your profiles
- Deposit checks with the TDECU Digital Banking app
- Transfer money between accounts
- Securely message us
- Customizable alerts
- Fully integrated online bill pay
- Online wire transfers
- Find your nearest surcharge-free ATM
Don’t forget, Maxine our 24/7 telephone banking system is available for a variety of inquiries and transactions by phone. Download our Self-Service Guide with even more information on how to stay connected to TDECU.
Loan payment relief
For Members who need Skip-A-Pay on their vehicle or personal loan, you may submit a request online.
Request Skip-a-PayEasy access to cash
- Overdraft and non-sufficient funds fees capped at two per day per account
- Get your paycheck up to two days early with direct deposit1
- Surcharge-free access to cash at 55,000+ ATMs
Refinance and lower your payment
- Refinance your auto loan from another lender and save money
- No payments for 90 days2
- Refinance your unsecured loan
- No payments for 60 days2
- We offer a variety of loan options with terms of up to 84 months with no collateral required.
- Credit card balance transfer
- 0% APR3 introductory rate for 12 months on balance transferred
- APR3 starting at 7.99% based on credit score
Extra cash for what you need now
- Personal loans - no payments for 60 days2
Solutions for business owners
If your business is faced with financial hardship due to COVID-19, TDECU is providing solutions in conjunction with the Small Business Administration (SBA).
To get started and learn about your options, visit the Solution Center for Business.
Mortgage loan assistance
We have experts on hand to discuss your current situation and help you find the best solution for your circumstances during COVID-19 such as fee waivers, payment relief options and various resources to keep you informed throughout this rapidly changing situation.
To get started, visit our mortgage servicing page for resources and contact information.
Get paid up to 2 days early with TDECU direct deposit¹
No more waiting for your hard-earned money to sit in limbo with a bank or a paper check to come in the mail. TDECU makes your money available as soon as your employer deposits it—this can often be up to two days before most banks make your funds available to you. Set up direct deposit today to get your paycheck up to two days sooner!
Surcharge-free access to cash
TDECU Members can make surcharge-free cash withdrawals at over 55,000 Allpoint ATMs worldwide with your TDECU Visa Debit Card.
You can find an Allpoint ATM near you by using our ATM Locator or by looking for the green Allpoint logo on an ATM. If prompted to accept a surcharge at an Allpoint ATM, press accept and complete the transaction. You will not be charged a surcharge fee.
Beware of fraud
Scammers may try to take advantage of the pandemic situation. Please know that if we need to reach out to you for any reason, TDECU will never ask for personally identifiable information, like your account number or PIN. If you've received a suspicious TDECU email, text, phone call or have visited a suspicious website, immediately send the information to phishing@tdecu.org.
Public resources & help
Looking for more information on COVID-19? We recommend the following resources:
- IRS.gov - Economic Impact Payments: What You Need to Know
- Economic Impact Payment Card: What You Need to Know
- IRS.gov - Non-Filers: Enter Payment Information Here
- USA.gov - Relief Programs, Financial Assistance, and the CARES Act
- CFPB - Guide to Coronavirus Mortgage Relief Options
- U.S. Centers for Disease Control and Prevention
- Texas Department of State Health Services
1 Faster 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.
2 Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 125% and a minimum credit score of 660 is required to qualify for the deferred payment option.
3APR = Annual Percentage Rate
