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High-Yield Checking
by TDECU

Get more for your money with
1.00% APY1 on checking and savings.
No fees. No minimum balance.

Let your money work for you


Earning more means you can do more – that’s the power of the High-Yield Checking account from TDECU. With a yield that’s more than 8x higher than other solutions – our High-Yield Checking account gives you all the features of a regular checking account and even more benefits.

Plus, we’ll give you even more by automatically upgrading your primary savings account to earn 1.00% APY on balances.

TDECU High-Yield Checking account benefits

No fees, no minimum balance

Enjoy no fees and no minimum balance requirement

Identity theft protection

Free identity theft recovery services

Free monthly credit score

Receive your credit score on your statement each month

ATM fee rebates

Up to $30 per month in ATM fee rebates

Ready to earn more?

Open your High-Yield Checking account now

TDECU online application process

Earn 8x the national average on checking with these simple steps

Already have a TDECU personal checking account?

Upgrade to High-Yield Checking in one easy step.

Compare checking accounts

A range of options to help you bank better

 

High-Yield Checking

Grow your balances faster and earn 8X the national average APY1 plus enjoy more benefits with no fees.

Open Now You're here
Minimum Balance

$0

Interest Rate

0.99%

APY

1.00%

Other Benefits

ATM fee rebates up to $30/month
Free monthly credit score
Free identity theft recovery services
Earn 1.00% APY1 on your savings account

 

Classic Checking

A basic checking account with our standard features.

Minimum Balance

$0

Interest Rate

0.02%

APY

0.02%

Other Benefits

 

Elements Teen Checking

A checking account to help develop solid financial habits.

Minimum Balance

$0

Interest Rate

0.10%

APY

0.10%

Other Benefits

Educational articles, podcast, and videos
Eligibility for the Elements of College Scholarship

 
 
 

High-Yield Checking

Classic Checking

Elements Teen Checking

Grow your balances faster and earn 8X the national average APY1 plus enjoy more benefits with no fees.

A basic checking account with our standard features.

A checking account to help develop solid financial habits.

Minimum Balance

$0

Minimum Balance

$0

Minimum Balance

$0

Interest Rate

0.99%

Interest Rate

0.02%

Interest Rate

0.10%

APY

1.00%

APY

0.02%

APY

0.10%

Other Benefits

ATM fee rebates up to $30/month
Free monthly credit score
Free identity theft recovery services
Earn 1.00% APY1 on your savings account

Other Benefits

Other Benefits

Educational articles, podcast, and videos
Eligibility for the Elements of College Scholarship

1APY = Annual Percentage Yield.

Must be at least 18 years of age to open a High-Yield Checking (HYC) account with a limit of one account per Member. Requirements to earn highest APY include enrollment in eDocuments, recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account, and a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month. Highest APY includes 1.00% on HYC balances ≤$20,000; 0.25% on HYC balances >$20,000; 1.00% APY on primary savings balances ≤$50,000; 0.25% APY on primary savings balances >$50,000. If requirements are not met, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account-holders will receive a maximum rebate of $30 per month on non-TDECU ATM fees. Other terms/conditions apply. Contact TDECU for complete details.

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