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TDECU Savings Accounts

TDECU Savings Accounts

A range of savings accounts to
help you reach your financial goals

Why a savings account?

A savings account is a powerful financial tool. It can help curb your temptation to spend, protect you from financial difficulties, and help prepare you to make a big-ticket purchase like a home or a car. With the right savings account and a plan to move money into the account each month, you can enjoy financial stability for years to come.

All TDECU Savings Accounts feature these benefits:

0.10%

Interest Rate Paid Monthly

Up
to
1.00%

Annual Percentage Yield (APY)

$0

Monthly Service Fee

Compare saving accounts

A wide range of options to help you meet your savings goals.

 

Share Savings

An interest bearing-savings account that makes you a TDECU Member.

Opening Deposit

$5.00

Minimum Balance

$0.00

 

Club Savings

A secondary savings account to help you save for a specific goal.

Opening Deposit

$0.00

Minimum Balance

$0.00

 

Savings IRA

An individual retirement account that enables you to set aside some of your earnings towards retirement.

Opening Deposit

$0.00

Minimum Balance

$0.00

 

Studio 55+ Club

A savings account that offers exclusive benefits for TDECU Members ages 55 and better.

Opening Deposit

$5.00

Minimum Balance

$5.00

 
 
 
 

Share Savings

Club Savings

Savings IRA

Studio 55+ Club

An interest bearing-savings account that makes you a TDECU Member.

A secondary savings account to help you save for a specific goal.

An individual retirement account that enables you to set aside some of your earnings towards retirement.

A savings account that offers exclusive benefits for TDECU Members ages 55 and better.

Opening Deposit

$5.00

Opening Deposit

$0.00

Opening Deposit

$0.00

Opening Deposit

$5.00

Minimum Balance

$0.00

Minimum Balance

$0.00

Minimum Balance

$0.00

Minimum Balance

$5.00

Kids savings accounts

Kid-friendly accounts with grown up features so they can save just like you.

 

M3 Money Club

A savings account designed
for kids ages 4-12.

Opening Deposit

$5.00

Minimum Balance

$5.00

 

Elements Teen Savings

A savings account to help develop solid financial habits for teens ages 13-17.

Opening Deposit

$5.00

Minimum Balance

$5.00

 

TXUTMA Savings

A custodial account to save
for your child's future.

Opening Deposit

$5.00

Minimum Balance

$5.00

 
 
 

M3 Money Club

Elements Teen Savings

TXUTMA Savings

A savings account designed
for kids ages 4-12.

A savings account to help develop solid financial habits for teens ages 13-17.

A custodial account to save
for your child's future.

Opening Deposit

$5.00

Opening Deposit

$5.00

Opening Deposit

$5.00

Minimum Balance

$5.00

Minimum Balance

$5.00

Minimum Balance

$5.00

Certificate of deposit (CD)

Earn more interest than traditional savings. You choose the term that best fits your needs.

12 Months

APY1 up to

0.60%
Open Now

18 Months

APY1 up to

0.65%
Open Now

30 Months

APY1 up to

0.75%
Open Now

60 Months

APY1 up to

0.90%
Open Now

Manage your savings on the go

  • Automate your savings by setting up recurring transfers
  • Set and track your financial goals with Financial Tools
  • Deposit checks directly from your mobile device
  • Access your account statements from anywhere, at anytime
Learn About Digital Banking

Upgrade your primary savings account to earn 1.00% APY 1 when you open a High-Yield Checking account 2

1APY = Annual Percentage Yield.

2Must 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.

Federal regulations limit the number of transfers/withdrawals from a savings account to six per calendar month via fax, telephone, online, ACH, or overdraft. You may transfer/withdraw as often as you like in person, via mail or messenger, ATM, or to pay loan payments.

Refer to TDECU’s Member Handbook & Truth in Savings Brochure for additional terms and conditions.
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