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-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%
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% - 4.65%
APY
1.75% - 4.75%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 4.41% | 4.50% |
| 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% - 4.80%
APY
1.90% - 4.90%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.88% | 1.90% |
| 6 months | 2.37% | 2.40% |
| 12 months | 4.56% | 4.65% |
| 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% |
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% - 4.65%
APY
1.75% - 4.75%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 4.41% | 4.50% |
| 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 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
5.74%
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
5.74%
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%
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%
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
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
8.38%
APR
8.64%
Easy in 30 Purchase Fixed
A 30-year fixed home loan with no down payment requirements.
Interest Rate
7.75%
APR
8.00%
Conforming 30-Year Fixed
A 30-year fixed loan option for those looking to purchase a new home.
Interest Rate
7.13%
APR
7.25%
Conforming 15-Year Fixed
A 15-year fixed loan option for those looking to purchase a new home.
Interest Rate
6.50%
APR
6.77%
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
6.50%
APR
8.10%
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
6.50%
APR
6.86%
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
7.75%
APR
8.00%
Conforming 30-Year Fixed
A 30-year fixed loan option for current homeowners interested in refinancing their home.
Interest Rate
7.13%
APR
7.25%
Conforming 15-Year Fixed
A 15-year fixed loan option for current homeowners interested in refinancing their home.
Interest Rate
6.50%
APR
6.77%
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
6.50%
APR
8.10%
Conforming 30-Year Fixed
A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.
Interest Rate
7.25%
APR
7.41%
Conforming 15-Year Fixed
A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.
Interest Rate
6.88%
APR
7.15%
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
8.00%
APR
8.08%
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
7.88%
APR
7.98%
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
8.00%
APR
8.25%
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
7.75%
APR
8.00%
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
8.25%
APR
8.51%
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
8.25%
APR
8.51%
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
7.38%
APR
7.62%
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
10.00%
APR
10.37%
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
9.25%
APR
9.53%
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
9.50%
APR
9.94%
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
9.00%
APR
9.58%
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
8.75%
APR
9.09%
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
1.74% - 4.65%
APY
1.75% - 4.75%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 4.41% | 4.50% |
| 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% - 4.65%
APY
1.75% - 4.75%
| Term Length | Interest Rate | APY |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 4.50% | 4.41% |
| 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 |
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 |
| 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) |
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 |
| Restart 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 commercial construction, purchase, or refinance of your business facility.
- Up to 25 year Term
Amount
$150,000 - $20,000,000
APR
7.40% - 8.59%
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
7.40% - 8.59%
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
7.50% - 9.75%
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
6.50% - 10.99%
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
9.25% - 13.50%
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 |
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 |