Interest Rates and Fees

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.

Talk to an Advisor

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%