Cash Advance Fees
Credit Builder Mastercard®
Designed for those who want to establish or rebuild credit.
7.99% - 17.99%
APR for purchases
Moderate - Rebuilding
Share Secured Mastercard®
Leverage your TDECU Share Savings as collateral and begin repairing your credit.
7.99% - 17.99%
APR for purchases
|Interest Rates & Interest Charges|
|Annual Percentage Rate (APR) for Purchases||0% Introductory APR for six months3. 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 months5. After that, the Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.|
|APR for Cash Advances||The Standard Rate APR will range from 7.99% to 17.99%, based on your creditworthiness.|
|Avoid Paying Interest on Qualifying 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.|
|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 Fee||Up to $25|
|Returned Payment Fee||Up to $25|
|Rush card delivery||$37.50|TDECU Credit Card Frequently Asked Questions
- Understand the terms and fees. The Schumer box is a good resource for your rate and fees, but you should also know your credit limit and have a balance that is 30% or below your limit.
- Sign and activate your new card.
- Read about any rewards your card may provide.
- Set up payment reminders on your phone or calendar, because payment history is a main factor in credit score.
- An independent source of income or a co-signer.
- Have someone add the 18 year-old as an authorized user on their credit card. This is similar to having a joint credit card and allows the 18 year-old to build credit until they can open a card themselves.
- Start with a secured credit card - with these you make a deposit and your credit card limit is the same as your deposit amount.
- Check your credit score. Most cards have a credit score requirement, so this will let you know what you qualify for.
- Decide what card suits your needs best. Cards are separated into three main types, each with its own advantages:
- Rewards Cards - If you already have good credit or little to no debt, these can be a good choice. These cards allow you to earn cashback or accrue points for things like vacations.
- 0% APR Cards - These are useful if you are trying to get out of debt or finance new large purchases.
- Building Credit Cards - If you don't have a credit history or your credit score is low, this is the best option for you.
- Look at the credit card offerings and choose the one that best fits your current situation.
- Log into TDECU Digital Banking
- Click on Service Center from the Navigation Menu
- Click on Manage Cards
- Tap on the card or click on Card Details
- Click on Report Lost or Stolen
- When reporting a card lost or stolen you will need to complete a short questionnaire. This information will be used to alert TDECU of any potential fraud on the account.
- Once submitted, your card will be permanently deactivated. TDECU will mail a new credit card to your current address on file. To receive a new debit card, send a secured message via Digital Banking, call Member Care, or visit your nearest branch.
- Once you report your card lost or stolen, the card will appear in a Lost or Stolen status within Digital Banking. When you log back in the card will no longer appear in the Card Management module.
The Member should contact the major credit reporting agencies (credit bureaus) to request a "fraud alert" be placed on their file. This will require creditors to call you before they open an account in your name. (Note: the credit bureaus will not accept an alert for debit card fraud. They record ID theft and loan fraud)
Notify local law enforcement agency to file an Identity Theft Report or a Debit/Credit Card Abuse
Report situations of consumer fraud to the Federal Trade Commission.
What information do I need to apply for a credit card?
What happens when I get approved for a credit card?
How old do you need to be to apply for a credit card?
How can an 18 year old get a credit card?
How do I pick the credit card that is right for me?
How long will it take to receive my credit card?
How much will having a secured credit card help me build credit and raise my credit score?
How can I check my credit card application status?
Can I apply for a credit card with TDECU if I have a low credit score?
How are credit limits determined for credit cards?
What does minimum payment mean?
How can I make a payment toward my credit card balance?
How can I request a credit card limit increase?
How do I report my card lost or stolen?
How do I find out my credit card limit?
Can I apply for the same credit card twice?
If a credit card application is rejected, first read the rejection notice to find out the reasons for the rejection. Additionally, it is a good idea to check your credit so you know if it meets the minimum score the card requires. If your credit is holding you back you can apply for a credit card that fits your current profile, and if you currently have bad credit or no credit you can apply for a secured credit card.
How can I notify TDECU of my travel plans?
What should a Member do if they suspect fraudulent activity on their account?
We take protecting our Members’ finances seriously. If a TDECU credit card has been lost or stolen, or an account has been compromised, it is important for you to take the following steps:
To report fraud on a TDECU credit card, please contact: (888) 918-7341
What is a Schumer Box?
1APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 Qualifying Purchases do not include Balance Transfers, Cash Advances, ATM Cash Disbursements, Money Transfers, Gaming Transactions, Tax Payments, Finance Charges, Fees and purchases of other cash equivalents, even if used to purchase goods or services, any Buc-ee's fuel or in-store purchases. Non-Qualifying Purchases do not earn any Rewards.
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 and does not apply to cash advances on TDECU’s Onyx Credit Card.
4 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.
5 Offer only applied to balance transfer requests received by us within 30 days of account opening. Offer is available until further notice and is not valid with other discounts. Other restrictions may apply.
Download our Credit Card Agreement and Disclosure
Download our Buc-ee's Credit Card Benefits Program Terms and Conditions
Download Cash Rewards FAQ here.