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Value Plus Checking from TDECU

Value Plus Checking from TDECU

Get more for your money with up to 4.00% APY1 on account balances

Already have a TDECU personal checking account?

Upgrade to Value Plus Checking in one easy step

TDECU Value Plus Checking features these financial benefits:



Annual Percentage Yield


Minimum Balance2



Monthly ATM Rebate

New to TDECU?

As a thank you for becoming a TDECU Member, we will deposit $5.00 into your Share Savings account when you apply online. So why wait? Start your application today!

What is the Value Plus Checking account?

Discover the unparalleled benefits of TDECU Value Plus Checking, a premier account designed to optimize your financial potential. With an industry-leading interest rate of up to 4.00% APY, this account empowers you to maximize the growth of your funds effortlessly.

In addition to the competitive interest rate, you'll
have access to these value-added advantages:

$hopping Rewards™

Get cash back on online purchases, access exclusive discounts, and choose how to receive your earnings.

Telehealth Plan3

24/7 access to U.S. doctors, zero copays, discounts on prescriptions and lab tests, covering urgent care and mental health for your family.

Travel and Leisure Discounts

Save on dining, shopping, travel, hotels, and more.

Financial Wellness 360°

Coaching, courses, videos, and more for complete financial well-being.


Identity theft monitoring and resolution service4 for you and your family, including credit monitoring, expense reimbursement, and resolution.

Cellular Telephone Protection5

Up to $800 coverage for theft or damage on 4 phones, with a $50 deductible, paid through Value Plus Checking.

1APY = Annual Percentage Yield. Must be at least 18 years of age to open a Value Plus Checking (VPC) account with a limit of two accounts per member. Highest APY includes 4.00% on VPC balances <$50,000.00 and 0.25% on VPC balances >$50,000.00. Account holders will receive a maximum monthly rebate of $30.00 on non-TDECU ATM fees. Rates are subject to change without notice. APY is as of 4/10/24. Other terms/conditions apply. Contact TDECU for complete details. Insured by NCUA.

2The minimum opening deposit is $50.00. An $8.00 monthly maintenance fee applies. To waive the monthly fee, you MUST maintain a minimum balance of $5,000.00 or set up and maintain direct deposit of $1,000.00 or more.

3Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

4Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

5Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.