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Rates & Fees

All of our rates and fees in one place

Savings, Checking and Money Market Rates

Effective date: 7/17/2019

Savings (Share Account)

Deposit Type APY* Interest Rate
Savings 0.10% 0.10%
Escrow 0.10% 0.10%
Savings IRA 0.10% 0.10%
Club 0.10% 0.10%

Checking (Share Draft Account)

Money Market

Minimum Balance APY* Interest Rate
$0-$2,499.99 0.02% 0.02%
$2,500-$24,999.99 0.50% 0.50%
$25,000-$99,999.99 0.75% 0.75%
$100,000-$349,999.99 1.00% 1.00%
$350,000 and more 1.76% 1.75%

*APY = Annual Percentage Yield

Minimum deposits are as follows:
Savings $5
Checking $1

Terms and conditions subject to change; see Account Information & Truth in Savings Disclosure here.

Certificate of Deposit (CD) Rates

Effective date: 08/01/2019

Certificate of Deposit (CD)

Term APY* Interest Rate
3 Months 0.55% 0.55%
6 Months 1.25% 1.24%
12 Months 1.60% 1.59%
24 Months 1.65% 1.64%
36 Months 1.75% 1.74%
48 Months 2.00% 1.98%
60 Months 2.25% 2.23%

*APY = Annual Percentage Yield

Minimum opening deposits are as follows:
Standard CD $1,000
M3 Money Club CD $100
Elements Teen Club CD $100
Jumbo CD $100,000

Jumbo CDs earn 0.25% interest rate above the Standard CD interest rate when opened new or at renewal. A penalty will be imposed for CD withdrawals made before maturity. Fees could reduce earnings on accounts. Bump-up option allows a one-time rate increase to TDECU’s current published CD rate for like term. To receive a bump-up rate increase, you must call or visit TDECU. Bump-up option not valid on auto renewing CDs. Terms and conditions subject to change; see Account Information & Truth in Savings Disclosure (pdf).

Loan Rates

Effective date: 07/03/2019

Rate is determined by credit score and the term of the loan.

Loan Type APR* AS LOW AS
(based on credit score and loan term)
New / Pre-Owned Car/Vehicles 2.74% +
New / Pre-Owned Motorcycles 4.49% +
New / Pre-Owned RVs 5.25% +
New / Pre-Owned Boats 5.25% +
Miscellaneous Secured 5.25% +
Cash $tash™ (TDECU Line of Credit) 7.74% +
Personal Loans (Unsecured) 5.74% +
Home Mortgages, Home Improvement, 1st Lien Home Equity, and Unimproved Property Call for rates and terms.
Certificate of Deposit Secured 2.00% plus Certificate of Deposit Rate
(Term: Certificate of Deposit maturity)
Share Secured Savings Rate (variable) 2.00% plus Savings Rate
(Maximum Term: 10 yrs.)
Student Loans Call for rates and terms.
MasterCard 7.99%
Visa** 11.50%

* APR = Annual Percentage Rate. Rates, terms, and conditions subject to change. Credit subject to approval.
** Product no longer offered for new credit card accounts.
+Rate includes 0.25% discount for recurring direct deposit of $250 or more. Other rates are available.
NOTE: A convenience fee of $10.00 may be assessed for payments made by phone.

Mortgage (Home Loan) Rates

Effective date: 08/21/2019

Buy a Home Interest Rate APR*
Conforming 30-Year Fixed 3.375% 3.544%
Conforming 15-Year Fixed 3.000% 3.266%
FHA 30-Year Fixed 3.375% 4.389%
VA 30-Year Fixed 3.375% 3.662%
Refinance Your Home Interest Rate APR*
Conforming 30-Year Fixed 3.250% 3.476%
Conforming 15-Year Fixed 3.000% 3.266%
FHA 30-Year Fixed 3.375% 4.398%
VA 30-Year Fixed 3.375% 3.672%
Get a Home Equity Loan Interest Rate APR*
Conforming 30-Year Fixed 3.500% 3.700%
Conforming 15-Year Fixed 3.250% 3.519%
Special Promotions Interest Rate APR*
103% American Dream Mortgage ARM 5.875% 6.107%
Condominium 10/1 ARM 5.000% 5.127%
Second Home 10/1 ARM 5.250% 5.381%
Investment Property 10/1 ARM 5.250% 5.381%
Jumbo 7/1 ARM 4.625% 4.831%
Pool Loan 20-Year Fixed 7.329% 7.673%
Land Loan 7/1 ARM 6.875% 7.130%
Land Loan 15-Year Fixed 7.125% 7.546%

* APR = Annual Percentage Rate.

Prices are subject to change at 1:00 PM CT with market conditions. Rate provided is the rate closest to par based on a loan amount of $125,000, owner occupied, single family 1-unit dwelling, 80% LTV, standard origination fee, and a FICO score of 740+. The specific rate and term depends on your unique credit rating, combined loan-to-value, amount financed and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. A mortgage of $125,000 for 30 years at 3.87% APR requires a P&I payment of $587.80 per month. Taxes and insurance for escrow payment are not included; your actual payment obligation will be higher. Adjustable Rate Mortgages (ARM) are variable and your annual percentage rate may increase after the original fixed rate period. Contact TDECU Mortgage for additional information and loan criteria. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

For additional terms and programs call 800-839-1154 ext. 4614

Miscellaneous Account Fees

Effective date: 05/01/2019

The following fees may be assessed against your account and are subject to change.

Description Fee
ATM/Visa Debit Card Reorder $5.00 each
Temporary Check $1.00 per page
Courtesy Pay* $32.00 each occurrence
Returned Check $32.00 per presentment
Non-Sufficient Funds/NSF (Check, Check Card & ATM Card) $32.00 per presentment
ACH Returned Item $32.00 per presentment
Stop Payment Fee (Check, ACH, Debit) $28.00 each
Check/Draft Copy $3.00 each
Uncollected Funds $32.00 per presentment
Regulation D Violation $25.00 per account, per month
Foreign Item Collection $20.00 each
Money Market Maintenance
(assessed if account balance fails below minimum requirement at any time during the month)
$10.00 per month
Cash Management Maintenance
(assessed if account balance falls below minimum requirement at any time during the month)
$10.00 per month
Second Chance Checking Maintenance $10.00 per month
Forward Checking Account Requirement
(waived if enrolled in Mobile Deposit & either 1 ACH deposit or 6 debit card transactions are posted per month)
$5.00 per month
Forward Checking Paper Documents
(waived if enrolled in eDocument delivery of statements & notices)
$3.00 per month
Forward Checking Maximum Account Transactions
(waived if Member Center/Member Care transactions do not exceed 2 per month)
No charge for the first two transactions
More than two transactions: $3.00 per month
Certificate of Deposit Early Withdrawal Penalties - New and Renewed Certificates of Deposit
(Applies to Amount Withdrawn)
Maturity of 3-12 Mos. – 90 days interest;
Maturity of 13-24 Mos. – 180 days interest;
Maturity of 25-36 Mos. – 270 days interest;
Maturity > 36 Mos. – 365 days interest
Money Order $3.00 each
Official Checks $3.00 each
Account Balancing Assistance $25.00 per hour
Account Research $25.00 per hour
Account History Printout $5.00 each
Statement Copy $5.00 per statement
Wire Transfer Outgoing (Domestic) $15.00 each (online)
$20.00 each (in branch or by phone)
Wire Transfer Outgoing (Foreign) $45.00 each

*Fee applies when overdraft is created by check, in-person withdrawal, ATM withdrawal, or other electronic means. We pay overdrafts at our discretion and do not guarantee we will always authorize and pay any type of transaction. All overdrafts must be repaid within 30 days.