Interest Rates and Fees
Personal Banking Rates
Business Banking Rates
Share Savings (Membership Account)
This interest-bearing account makes you a TDECU Member.
- $5.00 Opening Deposit
- $5.00 Minimum Balance
- $0.00 Monthly Maintenance Fee
Interest Rate
0.10%
APY
0.10%
High-Yield Savings
Your Share Savings gets upgraded to a High-Yield Savings when you open a High-Yield Checking account.
Interest Rate
0.99%
APY
1.00%
| Account Balance | APY |
|---|---|
| $0 - $50,000 | 1.00% |
| $50,000.01 and up | 0.25% |
| Requirements not met | 0.02% |
Studio55+ Club
A savings account that offers exclusive benefits for TDECU Members ages 55 and better.
- $5.00 Opening Deposit
- $5.00 Minimum Balance
- $0.00 Monthly Maintenance Fee
Interest Rate
0.10%
APY
0.10%
Club Savings
A secondary savings account to help you meet specific goals, like saving for large purchases or building an emergency fund.
- $0.00 Opening Deposit
- $0.00 Minimum Balance
- $0.00 Monthly Maintenance Fee
Interest Rate
0.10%
APY
0.10%
Savings IRA
A tax-free, or tax-deferred2, way to save for retirement that can be funded with savings, money markets, or CD accounts.
- $0.00 Opening Deposit
Interest Rate
0.10%
APY
0.10%
Investment IRA
High-Yield Checking
A powerful checking account that earns up to 17x more interest than the national average.
- $1.00 Opening Deposit
- $0.00 Monthly Maintenance Fee
Interest Rate
2.47%
APY
2.50%
| Account Balance | APY |
|---|---|
| $0 - $20,000 | 2.50% |
| $20,000.01 and up | 0.25% |
| Requirements not met | 0.02% |
Free Checking
A personal checking account that is easy to maintain and frees you from unnecessary fees.
- $1.00 Opening Deposit
- $0.00 Monthly Maintenance Fee
Interest Rate
0.02%
APY
0.02%
Restart Checking
A low-maintenance checking account designed for those who need help rebuilding their financial history.
- $1.00 Opening Deposit
- $10.00 Monthly Maintenance Fee
Interest Rate
0.00%
APY
0.00%
Money Market
A flexible, high-yield account with a competitive rate that gets compounded and paid monthly to build savings quickly.
- $2,500 Opening Deposit
- $2,500 Minimum Balance Required to Earn Stated APY and to Avoid Maintenance Fee
| Balance | Interest Rate | APY |
|---|---|---|
| $2,500 - $24,999.99 | 0.20% | 0.20% |
| $25,000 - $99,999.99 | 0.30% | 0.30% |
| $100,000 - $249,999.99 | 0.40% | 0.40% |
| $250,000 and more | 0.70% | 0.70% |
Standard CDs
A low-risk savings tool with various term lengths that typical earns more than a savings account.
- $1,000 Opening Deposit
- 3 to 60 Month Term
Interest Rate
1.74% - 5.13%
APY
1.75% - 5.25%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 5.13% | 5.25% |
| 18 months | 4.65% | 4.75% |
| 24 months | 4.17% | 4.25% |
| 30 months | 2.23% | 2.25% |
| 36 months | 2.28% | 2.30% |
| 48 months | 2.33% | 2.35% |
| 60 months | 2.37% | 2.40% |
Jumbo CDs
A certificate of deposit that requires an initial deposit greater than $100,000.
- $100,000 Opening Deposit
- 3 to 60 Month Term
- Jumbo CDs earn 0.15% interest rate above the Standard CD interest rate when opened new or at renewal.
Interest Rate
1.88% - 5.27%
APY
1.90% - 5.40%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.88% | 1.90% |
| 6 months | 2.37% | 2.40% |
| 12 months | 5.27% | 5.40% |
| 18 months | 4.80% | 4.90% |
| 24 months | 4.32% | 4.40% |
| 30 months | 2.37% | 2.40% |
| 36 months | 2.42% | 2.45% |
| 48 months | 2.47% | 2.50% |
| 60 months | 2.52% | 2.55% |
New and Pre-Owned Auto Loan
Competitive financing option for new and used cars, vans, and trucks. No money down options available, and discounts for recurring direct deposits of $250 or more.
- 48 to 84 Month Term
Minimum APR
6.44%
Refinance Your Auto Loan
Refinance option for new and used cars, vans, and trucks. No money down options available, and discounts for recurring direct deposits of $250 or more.
- 48 to 84 Month Term
Minimum APR
6.44%
New and Pre-Owned Motorcycle Loan
Competitive financing option for new and used motorcycles. No money down options available, and discounts for recurring direct deposits of $250 or more.
- 48 to 144 Month Term
Minimum APR
6.49%
Refinance Your Motorcycle Loan
Refinance options for new or used motorcycles. Discounts for recurring direct deposits of $250 or more.
- 48 to 144 Month Term
Minimum APR
6.49%
IRA CDs
A certificate of deposit that offers a secure way to invest a portion of your tax-advantaged TDECU IRA funds.
- $1,000 Opening Deposit
- 3 to 60 Month Term
Interest Rate
1.74% - 5.13%
APY
1.75% - 5.25%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 5.13% | 5.25% |
| 18 months | 4.65% | 4.75% |
| 24 months | 4.17% | 4.25% |
| 30 months | 2.23% | 2.25% |
| 36 months | 2.28% | 2.30% |
| 48 months | 2.33% | 2.35% |
| 60 months | 2.37% | 2.40% |
New and Pre-Owned Boat Loan
Competitive financing option for new and used boats. No money down options available, and discounts for recurring direct deposits of $250 or more.
- 48 to 144 Month Term
Minimum APR
7.25%
Refinance Your Boat Loan
Refinance options for new or used boats. Discounts for recurring direct deposits of $250 or more.
- 48 to 144 Month Term
Minimum APR
7.25%
New and Pre-Owned RV Loan
Competitive financing option for new and used recreational vehicles (RVs). Discounts for recurring direct deposits of $250 or more.
- 48 to 144 Month Term
Minimum APR
7.25%
Refinance Your RV Loan
Refinance options for new or used recreational vehicles (RVs). Discounts for recurring direct deposits of $250 or more.
- 48 to 144 Month Term
Minimum APR
7.25%
ATV/UTV Secured Loan
Competitive financing option for new and used ATVs and UTVs. Discounts for recurring direct deposits of $250 or more.2
- 48 to 60 Month Term
Minimum APR
7.25%
Jet Ski Secured Loan (Jet Ski, Golf Cart, ATV)
Competitive financing option for new and used jet skis, and other personal watercraft. Discounts for recurring direct deposits of $250 or more.2
- 48 to 60 Month Term
Minimum APR
7.25%
Farm/Lawn Equipment Secured Loan (Lawn Mower, Tractor, Trailer)
Competitive financing option for new and used farm and lawn vehicles, such as lawn mowers, tractors, and trailers. Discounts for recurring direct deposits of $250 or more.2
- 48 to 120 Month Term
Minimum APR
7.25%
Certificate of Deposit Secured Loan
A personal loan backed by your TDECU Certificate of Deposit (CD) as collateral, which can be used as payment if the loan terms are not met.
- Term: Up to the CD maturity date
- Requires a certificate of deposit as collateral
Amount
$1,000 - $250,000
Minimum APR
2.00%
Plus Certificate of Deposit Rate
Share Secured Loan
A personal loan backed by your TDECU savings account as collateral, which can be used as payment if the loan terms are not met.
- Term: Up to 10 years
Amount
$500 - $250,000
Minimum APR
2.00%
Plus Share Savings Rate
Cash $tash Line of Credit
A revolving line of credit that lets you borrow up to your maximum credit limit as often as you like.
- Term: Revolving
Amount
$1,000 - $50,000
Minimum APR
9.74%
Personal Loan
A customizable personal loan with a fixed monthly payment that does not require any collateral.
- Term: 12 to 72 months
Amount
$1,000 - $10,000
Minimum APR
7.74%
Home Advantage Loan
A larger personal loan with special discounts for homeowners that can be used for large purchases, home improvements, and more.
- Term: 84 months
Amount
$10,000 - $50,000
Minimum APR
8.24%
Onyx Mastercard®
A flexible rewards credit card that pays you 2% cash back for all qualifying purchases.
Annual Fee
$0.00
Introductory APR
0%
APR
9.50% - 17.50%
Buc-ee's Platinum Mastercard®
A Buc-ee’s branded credit card that saves you 5% when you fuel up and shop at participating Buc-ee’s locations.
Annual Fee
$0.00
Introductory APR
0%
APR
7.99% - 17.99%
Platinum Mastercard®
A smart personal finance card with low rates that make it a top choice for balance transfers and consolidating debt.
Annual Fee
$0.00
Introductory APR
0%
APR
7.99% - 17.99%
Classic Mastercard®
A great starter card to help first-time cardholders learn solid financial habits or help rebuilders get back on track.
Annual Fee
$0.00
Introductory APR
0%
APR
7.99% - 17.99%
Credit Builder Mastercard®
A credit card designed for those who want to establish or rebuild credit.
Annual Fee
$0.00
Introductory APR
0%
APR
7.99% - 17.99%
Secured Mastercard®
A card that leverages your Share Savings account as collateral so you can begin repairing your credit.
Annual Fee
$0.00
Introductory APR
0%
APR
7.99% - 17.99%
103% American Dream Mortgage ARM
An adjustable rate mortgage (ARM) loan with no down payment requirement and an option to roll in up to 3% of the closing costs. Offers a fixed rate for the first 7 years of the loan term.
Interest Rate
9.25%
APR
9.49%
Easy in 30 Purchase Fixed
A 30-year fixed home loan with no down payment requirements.
Interest Rate
8.38%
APR
8.60%
Conforming 30-Year Fixed
A 30-year fixed loan option for those looking to purchase a new home.
Interest Rate
7.50%
APR
7.60%
Conforming 15-Year Fixed
A 15-year fixed loan option for those looking to purchase a new home.
Interest Rate
7.00%
APR
7.25%
FHA 30-Year Fixed
A 30-year fixed loan option for those looking to purchase a new home. Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA).
Interest Rate
7.13%
APR
8.84%
VA 30-Year Fixed
A 30-year fixed loan option for military veterans interested in purchasing a new home and guaranteed by the Veterans Administration (VA).
Interest Rate
7.13%
APR
7.48%
Escrow Savings
A savings account designed to hold funds for real estate taxes, hazard insurance, mortgage insurance, and other items. Requires a TDECU Mortgage Loan.
Interest Rate
0.10%
APY
0.10%
Easy in 30 Refinance Fixed
A 30-year fixed home loan with no down payment requirements and an option to finance up to 3% of closing costs.
Interest Rate
8.38%
APR
8.60%
Conforming 30-Year Fixed
A 30-year fixed loan option for current homeowners interested in refinancing their home.
Interest Rate
7.50%
APR
7.60%
Conforming 15-Year Fixed
A 15-year fixed loan option for current homeowners interested in refinancing their home.
Interest Rate
7.00%
APR
7.25%
FHA 30-Year Fixed
A 30-year fixed loan option for current homeowners interested in refinancing their home. Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA).
Interest Rate
7.13%
APR
8.84%
Conforming 30-Year Fixed
A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.
Interest Rate
7.75%
APR
7.89%
Conforming 15-Year Fixed
A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.
Interest Rate
7.63%
APR
7.82%
30-Year Fixed Streamline Home Equity Loan
A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.
Interest Rate
8.63%
APR
8.67%
2nd Lien Home Equity 20 Year Loan
A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.
Interest Rate
8.63%
APR
8.69%
Condominium 10/1 ARM
An adjustable rate condominium loan that offers a fixed rate for the first 10 years of the loan term.
Interest Rate
8.88%
APR
9.11%
Amount
Starting at $85,000
Primary Home 10/1 ARM
An adjustable-rate loan that supports the purchase, refinance, or home equity of a primary home. Offers a fixed rate for the first 10 years of the loan term.
Interest Rate
8.63%
APR
8.85%
Amount
Starting at $85,000
Second Home 10/1 ARM
An adjustable rate loan that supports the purchase of a second home. Offers a fixed rate for the first 10 years of the loan term.
Interest Rate
9.13%
APR
9.36%
Amount
Starting at $85,000
Investment Property 10/1 ARM
An adjustable rate loan that supports the purchase of an investment property. Offers a fixed rate for the first 10 years of the loan term.
Interest Rate
9.13%
APR
9.36%
Amount
Starting at $85,000
Jumbo 7/1 ARM
An adjustable rate loan to purchase or refinance a luxury home. Also available as a home equity loan. Offers a fixed rate for the first 7 years of the loan term.
Interest Rate
8.25%
APR
8.47%
Amount
$647,201.01 - $2,000,000
Pool Loan 20-Year Fixed
Hassle-free pool loan with the option to finance closing costs.
- Term: Up to 20-year fixed rate available
Interest Rate
10.88%
APR
11.20%
Amount
$50,000 - $100,000
Land Loan 7/1 ARM
Adjustable rate loan for large or small tracts of land. Offers a fixed rate for the first 7 years of the loan term.
- Term: Variable term
Interest Rate
10.13%
APR
10.38%
Amount
Starting at $50,000
Land Loan 15-Year Fixed
Large or small tract land loan with a fixed rate and a 15-year term.
- Term: 15 years
Interest Rate
10.38%
APR
10.75%
Amount
Starting at $50,000
Lot Loan 10-Year Fixed
Large or small tract lot loan with a fixed rate and a 10-year term.
- Term: 10 years
Interest Rate
9.88%
APR
10.38%
Amount
Starting at $50,000
Lot Loan 5/1 ARM
Large or small tract lot loan with a ARM rate and a 5-year term.
- Term: 5 years
Interest Rate
9.63%
APR
9.93%
Amount
Starting at $50,000
Teen Savings and Checking
A checking account designed for teens ages 13 to 17 that helps them develop smart financial habits for the future.
- $1.00 Opening Deposit
- $0.00 Minimum Balance
- $0.00 Monthly Maintenance Fee
Interest Rate
0.10%
APY
0.10%
Kids Club
A savings account created for kids ages 4 to 12 that introduces them to the basics of money management.
- $5.00 Opening Deposit
- $5.00 Minimum Balance
- $0.00 Monthly Maintenance Fee
Interest Rate
0.10%
APY
0.10%
TX UTMA Savings
Texas Uniform Transfers to Minors Act (TX UTMA) is a custodial account that can help you save for your child's future by offering certain tax advantages.
- $5.00 Opening Deposit
- $5.00 Minimum Balance
- $0.00 Monthly Maintenance Fee
Interest Rate
0.10%
APY
0.10%
Kids Club CDs
Certificate of Deposit (CD) designed for kids ages 4 to 12 to teach them the value of long-term investments.
- $100.00 Opening Deposit
- 3 to 60 Month Term
Interest Rate
1.74% - 5.13%
APY
1.75% - 5.25%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 5.13% | 5.25% |
| 18 months | 4.65% | 4.75% |
| 24 months | 4.17% | 4.25% |
| 30 months | 2.23% | 2.25% |
| 36 months | 2.28% | 2.30% |
| 48 months | 2.33% | 2.35% |
| 60 months | 2.37% | 2.40% |
Elements CDs
Certificate of Deposit (CD) designed for teens ages 13 to 17 who want a low-risk, higher yield savings account.
- $100.00 Opening Deposit
- 3 to 60 Month Term
Interest Rate
1.74% - 5.13%
APY
1.75% - 5.25%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 5.25% | 5.13% |
| 18 months | 4.65% | 4.75% |
| 24 months | 4.17% | 4.25% |
| 30 months | 2.23% | 2.25% |
| 36 months | 2.28% | 2.30% |
| 48 months | 2.33% | 2.35% |
| 60 months | 2.37% | 2.40% |
Student Loans
Financing options to provide funding for college, graduate school, and continued education.
Visa Credit Cards
Annual Fee
$0.00
APR
11.50%
Money Market Savings
- $2,500 Minimum Balance Required to Earn Stated APY and to Avoid Maintenance Fee
Interest Rate
0.20%
APY
0.20%
Forward Checking
- $0.00 Minimum Balance
- $5.00 Monthly Fee for Account Requirements (waived if enrolled in Mobile Deposit and either 1 ACH deposit or 6 debit card transactions are posted per month)
- $3.00 Monthly Fee for Transactions Performed by Member Care or in a Member Center (more than 2 per month)
- $3.00 Monthly Fee for Paper Documents (waived if enrolled in eDocument delivery of statements and notices)
Interest Rate
0.40%
APY
0.40%
Penalty Fees
| ACH Returned Item | $32.00 per presentment |
| Certificate of Deposit Early Withdrawal for New and Renewed CDs (Applied to Amount Withdrawn) | For CD original term of 3-12 months - penalty of 90 days interest For CD original term of 13-24 months - penalty of 180 days interest For CD original term of 25-36 months - penalty of 270 days interest For CD original term of 37-60 months - penalty of 365 days interest |
| Foreign Item Collection | $20.00 each |
| Non-Sufficient Funds/NSF (Check, Debit Card and ATM Card) | $32.00 per presentment |
| Returned Check | $32.00 per presentment |
| Uncollected Funds | $32.00 per presentment |
Account Fees
| Account Balancing Assistance | $25.00 per hour |
| Account Research | $25.00 per hour |
| Account History Printout | $5.00 each |
| ATM/Debit Card Reorder | $5.00 each |
| Check/Draft Copy | $3.00 each |
| Courtesy Pay | $32.00 each occurrence |
| Money Orders | $3.00 each |
| Official Checks | $3.00 each |
| Statement Copy | $5.00 per statement |
| Stop Payment (Check, ACH, Debit) | $28.00 each |
| Temporary Checks | $1.00 per page |
| Wire Transfers Outgoing (Foreign) | $45.00 each |
| Wire Transfer Outgoing (Domestic) | $15.00 (online) $20.00 (in person or by phone) |
Maintenance Fees
| Cash Management Maintenance (assessed if account balance falls below minimum requirement at any time during the month) | $10.00 per month |
| Forward Checking Account Requirements (waived if enrolled in Mobile Deposit and either 1 ACH deposit or 6 debit card transactions are posted per month) | $5.00 per month |
| Forward Checking Transactions Performed by Member Care or in a Member Center (more than 2 per month) | $3.00 per month |
| Forward Checking Paper Documents (waived if enrolled in eDocument delivery of statements and notices) | $3.00 per month |
| Money Market Maintenance (assessed if account balance falls below minimum requirement at any time during the month) | $10.00 per month |
| Restart Checking Maintenance | $10.00 per month |
Business Share Savings
A simple, interest-earning account to save for operations, big purchases, and other business-related expenses.
- $5.00 Opening Deposit
- $5.00 Minimum Balance
Interest Rate
0.10%
APY
0.10%
Business Club Savings
A secondary business savings account that can help you reach specific financial goals.
- $5.00 Opening Deposit
- $0.00 Minimum Balance
Interest Rate
0.10%
APY
0.10%
Small Business Checking
A small business checking account to meet the needs of sole proprietors, LLCs, LLPs, or corporations.
- $20.00 Opening Deposit
- $10.00 Monthly Maintenance Fee
- $5,000 Minimum Balance Required to Earn Stated APY
Interest Rate
0.12%
APY
0.12%
Non-Profit (Free) Checking
Free business checking account designed for established non-profits, clubs, and organizations.
- $1.00 Opening Deposit
- $0.00 Minimum Balance
Interest Rate
0.12%
APY
0.12%
Business Money Market Account
A high-yield account with a competitive rate that is compounded and paid monthly for more savings potential.
- $2,500 Opening Deposit
- $2,500 Minimum Balance Required to Earn Stated APY and to Avoid Maintenance Fee
Interest Rate & APY
Subject to change weekly
TDECU Business Platinum Mastercard®
A credit card that allows flexibility and control over your business expenses.
Annual Fee
$0.00
Introductory APR
0%
APR
7.99% - 17.99%
Commercial Real Estate - Owner Occupied
Financing for commercial construction, purchase, or refinance of your business facility.
- Up to 25 year Term
Amount
$150,000 - $20,000,000
APR
7.55% - 10.49%
Commercial Real Estate - Non‑Owner Occupied/Investment
Financing for commercial construction, purchase, or refinance of your business facility.
- Up to 25 Year Term
Amount
$150,000 - $20,000,000
APR
7.55% - 10.49%
SBA-Backed Loans
Lending options from the Small Business Administration (SBA) that offer flexible financing solutions.
- Term: Contact us for details
Amount
$75,000 - $10,000,000
APR
8.00% - 10.75%
Commercial Vehicle Loans
Financing for vehicles manufactured for consumer use, but titled in your business name. Trucks up to 3/4 ton are included.
- 48 to 84 Month Term
Amount
$20,000 - $100,000
APR
6.75% - 11.99%
Commercial Equipment Loans
Heavy commercial vehicles, manufacturing equipment, and medical equipment.
- 48 to 72 Month Term
Amount
$20,000 - $250,000
APR
7.99% - 15.55%
Commercial Line of Credit
A revolving line of credit that offers businesses the flexibility of getting the financing they need, when they need it.
- 12 to 60 Month Term
Amount
$50,000 - $2,000,000
Minimum APR
10.25% - 15.99%
Penalty Fees
| ACH Returned Item | $32.00 per presentment |
| Foreign Item Collection | $20.00 each |
| Non-Sufficient Funds/NSF (Check, Debit Card and ATM Card) | $32.00 per presentment |
| Returned Check | $32.00 per presentment |
Maintenance Fees
| Check/Draft Copy | $3.00 each |
| Courtesy Pay | $32.00 each occurrence |
| Coins | $0.25 per roll |
| Currency | $0.15 per strap |
| Merchant Services | Negotiated |
| Reverse Wire Transfer Fee | $20.00 per occurrence |
| Statement Copy | $5.00 per statement |
| Stop Payment (Check, ACH, Debit) | $28.00 each |
| Wire Transfers Outgoing (Domestic) | $15.00 (online) $20.00 (in person or by phone) |
| Wire Transfers Outgoing (Foreign) | $45.00 each |
Account Fees
| Commercial Money Market Maintenance Fee (assessed if account balance falls below minimum requirement at any time during the month) | $10.00 per month |
| Small Business Checking Maintenance Fee | $10.00 per month, plus 25¢ per item over 150 items |