Rates & Fees

TDECU is the Texas credit union that puts its  members first. With over 186,000 members and 33 branches throughout the Houston and southeastern Texas area, we help individuals and families meet their financial goals and plan for the future. What makes us different? TDECU is a not-for-profit financial cooperative where you are an owner, which means there are no big corporate stockholders looking for a return. Instead, we pass the profits back to you in the form of lower fees and better rates. It pays to be a member of TDECU!

Checking, Savings, and CD Account Rates

Rates effective as of 07/10/12

Deposit Account***
Deposit TypeAPY*Dividend Rate
Savings IRA0.25%0.25%
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Money Market***
Minimum BalanceAPY*Dividend Rate
$350,000 and more0.40%0.40%
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Certificate of Deposit**,***
Deposit TypeAPY*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%
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Jumbo Certificates of Deposit- $100,000 minimum deposit required. Jumbo CDs earn a 0.25% APY above standard CD APY.

Dividend Rate - An annualized rate of interest paid the same on all similar type accounts.

APY (Annual Percentage Yield)- Expressed as a percentage; reflects the total amount of interest that would be received on a deposit, based on the dividend rate and the frequency of compounding for a 365-day period.

APYE (Annual Percentage Yield Earned) - Expressed as a percentage; reflects the relationship between the dollar amount of dividends actually earned on the account and the actual average daily balance for that period.

*APY = Annual Percentage Yield. Terms and conditions subject to change. Minimum deposits are as follows: Savings-$5; Checking-$20; Standard Certificates–$1,000. M3 & Elements Teen Club Certificates-$100. A penalty may be imposed for Certificate withdrawals made before maturity. Jumbo offers valid on new or renewing CDs. Refer to TDECU’s Account Information & Truth in Savings Brochures for additional terms and conditions.

**$1,000 minimum deposit required.

***Fees could reduce earnings on accounts.
Loan Rates

Rates effective as of 10/16/12.

Loan TypeAPR (based on credit score)
New Vehicles/Motorcycles1.99% * +
Pre-Owned Vehicles/Motorcycles1.99% * +
New RV’s6.50% * +
Pre-Owned RV’s7.25% * +
New Boats6.50% * +
Pre-Owned Boats7.25% * +
Miscellaneous Secured6.25% * +
Good Sense Title Loan7.25% *++
Cash $tash™ (TDECU Line of Credit)7.74% * +
Unsecured3.74% * +
Home Mortgages, Home Improvement, 1st & 2nd Lien Home Equity and Unimproved PropertyCall for rates & terms
Stock Secured6.50% *
CD Secured2.00%* plus CD Rate (Term: CD maturity)
Share Secured Savings Rate (variable)2.00%* plus Savings Rate (Max Term:10 yrs.)
MasterCard7.99% *
Visa11.50% *
Parent or Student SurvivalCall for rates & terms
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* Rates, terms and conditions subject to change. Credit subject to approval.
+ Rate includes 0.25% reduction for automatic payment from a TDECU Savings or Checking Account. Other rates are available.
++ Rate includes 0.25% reduction for having a TDECU Checking Account and 0.25% reduction for automatic payment from a TDECU Checking Account.

NOTE: A convenience fee of $10 may be assessed for payments made by phone.
Account Fees

Fees effective as of 03/04/13.

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

ATM/Visa Debit Card Reorder$5.00 each
Temporary Check$0.10 each
Courtesy Pay*$28.00 each
Returned Check$28.00 each
Non-Sufficient Funds/NSF (Check, Check Card & ATM Card)$28.00 each
ACH Returned Item$28.00 each
Stop Payment Fee (Check, ACH, Debit)$28.00 each
Check/Draft Copy$3.00 each
Uncollected Funds$15.00 each
Reg D Violation$25.00 each
Foreign Item Collection$15.00 each
Money Market Maintenance (Fee is assessed if account balance fails below minimum requirement at any time during the month)$10.00 each
Second Chance Checking Service Fee$10.00 per month
CD Early Withdrawal Penalties - New and Renewed CDs (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$1.00 each
Account Balancing Assistance$25.00 per hour
Account Research$25.00 per hour
Account History Printout$5.00 each
Statement Copy$1.00 per page
Wire Transfer Fee Outgoing (Domestic)$15.00 each
Wire Transfer Fee Outgoing (Foreign)$30.00 each
*Fee applies when overdraft is created by check, in-person, withdrawal, ATM withdrawal, or other electronic means.

TDECU: Improving the lives of our members for over 55 Years