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RatesandFees

Rates & Fees

Rates effective as of 10/1/2016.

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Share Account***

Deposit Type APY* Dividend Rate
Savings 0.10% 0.10%
Escrow 0.10% 0.10%
Savings IRA 0.10% 0.10%
Club 0.10% 0.10%
Checking 0.12% 0.12%
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Money Market***

Minimum Balance APY* Dividend Rate
$2,500-$24,999.99 0.30% 0.30%
$25,000-$99,999.99 0.35% 0.35%
$100,000-$349,999.99 0.40% 0.40%
$350,000 and more 0.40% 0.40%
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Certificate of Deposit**,***

Deposit Type APY* Dividend Rate
3 mo. 0.35% 0.35%
6 mo. 0.45% 0.45%
12 mo. 0.60% 0.60%
18 mo. 0.70% 0.70%
24 mo. 1.00% 1.00%
30 mo. 1.10% 1.09%
36 mo. 1.20% 1.19%
48 mo. 1.50% 1.49%
60 mo. 1.75% 1.74%

*APY = Annual Percentage Yield.

Minimum deposits are as follows:
Savings $5
Checking $20
Standard CD $1,000
M3 Money Club CD $100
Elements Teen Club CD $100
Jumbo CD $100,000

Jumbo CDs earn .25% dividend rate above Standard CD dividend rate when opened new or at renewal.

A penalty may be imposed for CD withdrawals made before maturity.

Fees could reduce earnings on accounts.

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

Rates effective as of 10/27/2015.

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Loan Type APR* as low as
New Vehicles/Motorcycles 1.99% +
Pre-Owned Vehicles/Motorcycles 1.99% +
New RV’s 3.50% +
Pre-Owned RV’s 4.25% +
New Boats 3.50% +
Pre-Owned Boats 4.25% +
Miscellaneous Secured 6.25% +
Good Sense Title Loan 7.25% + **
Cash $tash™ (TDECU Line of Credit) 7.74% +
Unsecured 3.74% +
Home Mortgages, Home Improvement, 1st & 2nd Lien Home Equity and Unimproved Property Call for rates & terms
Stock Secured 6.50%
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 (Max Term:10 yrs.)
MasterCard 7.99%
Visa 11.50%
*APR = Annual Percentage Rate. All rates and terms may change at any time and are subject to credit approval based on creditworthiness. + Rate includes a .25% discount for automatic payment from TDECU account. ** Rate includes a .25% discount for maintaining a TDECU checking account. NOTE: A convenience fee of $10 may be assessed for payment made by phone with Member Care.

Rates effective as of 12/05/2016

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Home Buying Loans

Product Interest Rate APR*
Conforming 30-Year Fixed 4.125% 4.287%
Conforming 15-Year Fixed 3.375% 3.667%
FHA 30-Year Fixed 3.875% 5.019%
VA 30-Year Fixed 3.875% 4.225%
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Refinancing Loans

Product Interest Rate APR*
Conforming 30-Year Fixed 4.125% 4.297%
Conforming 15-Year Fixed 3.375% 3.685%
FHA 30-Year Fixed 4.000% 5.149%
VA 30-Year Fixed 4.000% 4.334%
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Home Equity Financing

Product Interest Rate APR*
Conforming 30-Year Fixed 4.250% 4.435%
Conforming 15-Year Fixed 3.500% 3.848%
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Special Promotions

Product Interest Rate APR*
103% American Dream Mortgage ARM 4.750% 4.931%
Condominium 5/1 ARM 4.500% 4.550%
Second Home 5/1 ARM 5.500% 5.661%
Investment Property 5/1 ARM 5.500% 5.661%
Jumbo 7/1 ARM 3.875% 4.046%
Pool Loan 20-Year Fixed 6.499% 6.714%
Land Loan 7/1 ARM 6.000% 6.239%
*APR = Annual Percentage Rate

Prices are subject to change at 1:00 CST 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. 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

Fees effective as of 03/04/2013.

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

Description Fee
ATM/Visa Debit Card Reorder $5 each
Temporary Check $0.10 each
Courtesy Pay* $28 each
Returned Check $28 each
Non-Sufficient Funds/NSF (Check, Check Card & ATM Card) $28 each
ACH Returned Item $28 each
Stop Payment Fee (Check, ACH, Debit) $28 each
Check/Draft Copy $3 each
Uncollected Funds $15 each
Reg D Violation $25 each
Foreign Item Collection $15 each
Money Market Maintenance (Fee is assessed if account balance fails below minimum requirement at any time during the month) $10 each
Second Chance Checking Service Fee $10 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 Purchase $1 each
Account Balancing Assistance $25 per hour
Account Research $25 per hour
Account History Printout $5 each
Statement Copy $1 per page
Wire Transfer Fee Outgoing (Domestic) $15 each
Wire Transfer Fee Outgoing (Foreign) $30 each
*Fee applies when overdraft is created by check, in-person, withdrawal, ATM withdrawal, or other electronic means.

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