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Interest Rates and Fees

All of our interest rates and fees in one place

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-deferred, 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

A tax-free, or tax-deferred, way to save for retirement that can be funded with investments, such as stocks and mutual funds.

High-Yield Checking

A powerful checking account that earns up to 14x more interest than the national average.

  • $1.00 Opening Deposit
  • $0.00 Monthly Maintenance Fee

Interest Rate

0.99%

APY

1.00%

Account Balance APY
$0 - $20,000 1.00%
$20,000.01 and up 0.25%
Requirements not met 0.02%

Classic 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%

Second Chance 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

0.30% - 1.24%

APY

0.30% - 1.25%

Term Length Interest Rate APY
3 months 0.30% 0.30%
6 months 0.50% 0.50%
12 months 0.60% 0.60%
18 months 0.65% 0.65%
24 months 1.00% 1.00%
30 months 0.75% 0.75%
36 months 1.24% 1.25%
48 months 0.85% 0.85%
60 months 0.90% 0.90%

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

0.45% - 1.39%

APY

0.30% - 1.25%

Term Length Interest Rate APY
3 months 0.45% 0.45%
6 months 0.65% 0.65%
12 months 0.75% 0.75%
18 months 0.80% 0.80%
24 months 1.14% 1.15%
30 months 0.90% 0.90%
36 months 1.39% 1.40%
48 months 1.00% 1.00%
60 months 1.04% 1.05%

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

0.30% - 1.24%

APY

0.30% - 1.25%

Term Length Interest Rate APY
3 months 0.30% 0.30%
6 months 0.50% 0.50%
12 months 0.60% 0.60%
18 months 0.65% 0.65%
24 months 1.00% 1.00%
30 months 0.75% 0.75%
36 months 1.24% 1.25%
48 months 0.85% 0.85%
60 months 0.90% 0.90%

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

2.49%

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

2.49%

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

4.49%

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

4.49%

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

5.25%

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

5.25%

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

5.25%

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

5.25%

Miscellaneous Secured Loan (Jet Ski, Golf Cart, ATV)

Competitive financing option for new and used leisure vehicles, such as jet skis, golf carts, ATVs and UTVs.

  • 48 to 144 Month Term

Minimum APR

5.25%

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

7.74%

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

5.74%

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

6.24%

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 Mastercard®

A Buc-ee's branded credit card that offers discounts on gas and a fun way to show your Buc-ee's pride.

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

4.875%

APR

5.062%

Easy in 30 Purchase Fixed

A 30-year fixed home loan with no down payment requirements.

Interest Rate

4.250%

APR

4.543%

Conforming 30-Year Fixed

A 30-year fixed loan option for those looking to purchase a new home.

Interest Rate

3.250%

APR

3.348%

Conforming 15-Year Fixed

A 15-year fixed loan option for those looking to purchase a new home.

Interest Rate

2.500%

APR

2.724%

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

3.000%

APR

3.951%

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

3.000%

APR

3.270%

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

4.250%

APR

4.543%

Conforming 30-Year Fixed

A 30-year fixed loan option for current homeowners interested in refinancing their home.

Interest Rate

3.250%

APR

3.348%

Conforming 15-Year Fixed

A 15-year fixed loan option for current homeowners interested in refinancing their home.

Interest Rate

2.500%

APR

2.724%

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

3.000%

APR

3.951%

Conforming 30-Year Fixed

A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.

Interest Rate

3.500%

APR

3.518%

Conforming 15-Year Fixed

A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.

Interest Rate

2.750%

APR

2.833%

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

4.250%

APR

4.429%

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

4.125%

APR

4.302%

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

4.375%

APR

4.555%

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

3.625%

APR

3.796%

Amount

$548,250.01 - $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

6.284%

APR

6.558%

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

5.875%

APR

6.076%

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

6.125%

APR

6.466%

Amount

Starting at $50,000

Elements 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%

M3 Money 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%

M3 Money 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

0.30% - 1.24%

APY

0.30% - 1.25%

Term Length Interest Rate APY
3 months 0.30% 0.30%
6 months 0.50% 0.50%
12 months 0.60% 0.60%
18 months 0.65% 0.65%
24 months 1.00% 1.00%
30 months 0.75% 0.75%
36 months 1.24% 1.25%
48 months 0.85% 0.85%
60 months 0.90% 0.90%

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

0.30% - 1.24%

APY

0.30% - 1.25%

Term Length Interest Rate APY
3 months 0.30% 0.30%
6 months 0.50% 0.50%
12 months 0.60% 0.60%
18 months 0.65% 0.65%
24 months 1.00% 1.00%
30 months 0.75% 0.75%
36 months 1.24% 1.25%
48 months 0.85% 0.85%
60 months 0.90% 0.90%

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) Maturity of 3-12 months - 90 days interest
Maturity of 13-24 months - 180 days interest
Maturity of 25-36 months - 270 days interest
Maturity > 36 months - 365 days interest
Foreign Item Collection $20.00 each
Late Credit Card Payment Fee Up to $25.00
Non-Sufficient Funds/NSF (Check, Debit Card and ATM Card) $32.00 per presentment
Returned Check $32.00 per presentment
Returned Payment Fee Up to $25.00
Uncollected Funds $32.00 per presentment

Service 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
Duplicate Credit Card Statements $4.00
Money Orders $3.00 each
Official Checks $3.00 each
Rush Credit Card Delivery $37.50
Safe Deposit Box Annual Fee 3" x 5" - $15.00
3" x 10" - $25.00
5" x 10" - $40.00
10" x 10" - $60.00
Statement Copy $5.00 per statement
Temporary Checks $1.00 per page
Stop Payment (Check, ACH, Debit) $28.00 each
Wire Transfers Outgoing (Foreign) $45.00 each
Wire Transfer Outgoing (Domestic) $15.00 (online)
$20.00 (in person or by phone)

Account 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
Second Chance Checking Maintenance $10.00 per month

Commercial 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%

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%

Commercial Money Market

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 purchase or refinance of your business facility.

  • Up to 25 year Term

Amount

$50,000 - $5,000,000

APR

3.15% - 3.65%

Commercial Real Estate - Non‑Owner Occupied/Investment

Financing for purchase or refinance of your business facility.

  • Up to 25 Year Term

Amount

$50,000 - $5,000,000

APR

3.25% - 4.15%

Commercial Real Estate - Construction Loan

Financing for construction of your business facility. Rates are variable during the construction phase and will lock once project is complete.

  • Up to 18 months

Amount

$250,000 - $5,000,000

APR

4.75% - 6.00%

Residential Builder Guidance Line of Credit

Financing for construction of single family homes.

  • Annual renewal

Amount

$250,000 - $3,000,000

APR

5.25% - 6.25%

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

Minimum APR

Contact us for details

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

Minimum APR

3.14%

Commercial Equipment Loans

Heavy commercial vehicles, manufacturing equipment, and medical equipment.

  • 48 to 72 Month Term

Amount

$20,000 - $250,000

Minimum APR

4.80%

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 - $5,000,000

Minimum APR

5.75% - 17.99%

Penalty Fees

ACH Returned Item $32.00 per presentment
Foreign Item Collection $20.00 each
Late Credit Card Payment Fee Up to $25.00
Non-Sufficient Funds/NSF (Check, Debit Card and ATM Card) $32.00 per presentment
Returned Check $32.00 per presentment
Returned Payment Fee Up to $25.00

Service 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
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