ONYX MASTERCARD®Earn 2% cash rewards on qualifying purchases3
Put more cash back in your wallet. With our Onyx credit card, enjoy:
- 0% introductory APR4
- 2% cash rewards on purchases
- No annual fees
- Rates as low as 9.50% APR1
PERSONAL LOAN SUITEEmpower yourself to reach your goal
You have the power to select the right personal loan for your needs.
Our loan options include:
- APR1 as low as 5.74%
- No collateral required
- Borrow up to $50,000
REFINANCE YOUR AUTO LOANLove your car and your loan terms
Cruise toward a Refinance with TDECU4 and lower your monthly car payment today!
- APR1 as low as 2.49%
- No payments for 90 days5
- APR discount for recurring
BALANCE TRANSFERTake control of your finances
Say goodbye to high interest rates when you transfer your balances to a TDECU credit card:
- 0% introductory APR6
- $0 balance transfer fee
- No annual fee on all TDECU
1 APR = Annual Percentage Rate. Rates, terms and conditions subject to change. Credit approval required.
2 APY = Annual Percentage Yield
3 Qualifying Purchases do not include Balance Transfers, Cash Advances, ATM Cash Disbursements, Money Transfers, Gaming Transactions, Tax Payments, Finance Charges, Fees and purchases of other cash equivalents, even if used to purchase goods or services, any Buc-ees fuel purchase. Non-Qualifying Purchases do not earn any Rewards.
4 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.
5 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 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 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.
1 APR = Annual Percentage Rate
2 APY = Annual Percentage Yield
3 Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. Exceptions may apply.
4 Existing TDECU loans are ineligible for refinancing.
5 Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 125% and a minimum credit score of 660 is required to qualify for the deferred payment option.
Advertised 2.49% APR is the lowest rate offered for a 48-month term and includes a 0.25% discount for recurring direct deposit of $250 or more. Rate determined by loan term and credit score. Terms of repayment: A $15,000 loan with a 48-month term at 2.49% APR equals a $328.64 monthly payment. Credit approval required. Minimum auto refinance loan amount is $3,000. Not available for commercial vehicle classifications. Other terms/conditions apply; contact TDECU for details.
6 Terms of this offer may change at any time. Offer only applied to balance transfer requests received by us within 30 days of account opening. Members that apply for a new TDECU credit card will be granted the APR disclosed at the time of credit card account approval for future purchases. Rewards and/or rebates are not eligible with this offer. Payments made to your account will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs. Balance transfers cannot be used for paying on existing TDECU credit card or loan balances.