Your Tax Refund,
Your Future
Turn your tax refund into real growth.
A Smarter Way to Deposit Your Refund
Set up a direct deposit (no minimum required) of your IRS tax refund between January 23 and April 30, 2026, to be entered for a chance to double your tax refund1.
to
$3,000
Chance to double your tax refund
$0
No minimum direct deposit to qualify
20
Winners selected
Earn More on Everyday Money
Earn up to 2.50% APY on qualifying balances with TDECU High-Yield Checking.
Put Your Refund to Work with High-Yield Checking
A tax refund is a great opportunity to earn more on money you are already receiving. With TDECU High-Yield Checking2, your refund can start working for you the moment it hits your account.
You can earn up to 2.50% APY3 on qualifying balances while enjoying everyday flexibility—no long-term commitments, no complicated steps. Set up direct deposit, deposit your refund, and let your checking account do more than just hold your money.
Let Your Refund Take You Further This Tax Season
Different goals call for different options. Start with checking, then build from there.
Certificates of Deposit (CDs)
Locked-in returns for steady and secure growth.
$1,000.00
Opening Deposit
3.69%
Interest Rate
3.75%
APY
$0.00
Monthly Fee
High-Yield CheckingBest Option
A checking account that yields 16x more than the national average2.
$1.00
Opening Deposit
2.47%
Interest Rate
Up to 2.50%2
APY
$0.00
Monthly Fee
Savings Accounts
Simple, flexible and competitive rates.
$5.00
Opening Deposit
0.10%
Interest Rate
0.10%
APY
$0.00
Monthly Fee
Deposit Your Refund in Minutes
Skip the Member Center. Acess your accounts faster with TDECU Digital Banking.
- Deposit tax refund checks using your mobile device
- Set up direct deposit to enter for a chance to double your tax refund, up to $3,000
- Deposit checks directly from your mobile device
- Transfer funds between accounts instantly
1No purchase necessary to enter or win. Must be a TDECU Member, in good standing, and at least 18 years old. One entry per Member. Entry occurs automatically with a qualifying IRS tax refund direct deposit received via ACH into a TDECU account between January 23 and April 30, 2026. Qualifying refund must be issued by the IRS. Twenty winners total (17 TDECU, 3 SCCU). Each winner will receive a match of their qualifying refund amount, up to $3,000. Odds of winning depend on number of entries. Taxes may apply to prize amounts over $600 and will report to the IRS via Form 1099-MISC. TDECU reserves the right to modify or cancel the promotion. TDECU is federally insured by the NCUA. TDECU and SCCU employees and their immediate family members are not eligible to participate.
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 the 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. The highest APY includes 2.50% on HYC balance up through $20,000 and 0.25% on any HYC balance over $20,000; 1.00% APY on primary savings balance up through $50,000 and 0.25% APY on primary savings balance over $50,000. If requirements are unmet, 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 monthly on non-TDECU ATM fees. The 16x the national average earning rate is as of 8/1/25. Other terms/conditions apply. Contact TDECU for complete details.
3APY = Annual Percentage Yield