TDECU Savings Accounts
A range of savings accounts to help you safely and securely reach your financial goals
New to TDECU?
Start off right when you apply online as a new Member. We will deposit $5.00 directly into your Share Savings Account to help you start your savings journey.
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.
TDECU Savings Accounts feature these benefits:
0.10%
Interest Rate Paid Monthly
to
2.50%
Annual Percentage Yield (APY)
$0
Monthly Maintenance 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.
$5.00
Opening Deposit
$0.00
Minimum Balance
Club Savings
A secondary savings account to help you save for a specific goal.
$0.00
Opening Deposit
$0.00
Minimum Balance
Savings IRA
An individual retirement account that enables you to set aside some of your earnings towards retirement.
$0.00
Opening Deposit
$0.00
Minimum Balance
Studio 55+ Club
A savings account that offers exclusive benefits for TDECU Members ages 55 and better.
$5.00
Opening Deposit
$5.00
Minimum Balance
Kids Savings Accounts
Kid-friendly accounts with grown up features so they can save just like you.
Kids Club Savings Account
A savings account designed for kids ages 4-12.
$5.00
Opening Deposit
$5.00
Minimum Balance
Teen Savings
A savings account to help develop solid financial habits for teens ages 13-17.
$5.00
Opening Deposit
$5.00
Minimum Balance
TXUTMA Savings
A custodial account to save for your child's future.
$5.00
Opening Deposit
$5.00
Minimum Balance
Certificate of deposit (CD)
12 Months
APY1 up to
18 Months
APY1 up to
30 Months
APY1 up to
60 Months
APY1 up to
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
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.