Credit union · NCUA insured
TDECU Credit Card Rates
TDECU credit cards start at 11.50% APR on purchases, after any introductory rate. Rates checked October 6, 2026.
How TDECU’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where TDECU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
TDECU
11.50%APR
- Annual fee
- None
Visa Credit Cards (Legacy)
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
TDECU credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TDECU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Buc-ee's Platinum Mastercard®
TDECU Credit Cards are available based on Membership eligibility. Credit approval required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | Introductory purchase APR. |
| Ongoing | 12.24%–17.99% | None | Standard purchase APR. |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Buc-ee's Visa Signature®
TDECU Credit Cards are available based on Membership eligibility. Credit approval required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 0.00% | None | Introductory purchase APR good until the first day of the billing cycle that includes the three-month anniversary date of account opening. |
| Intro, 12 months | 0.00% | None | Introductory APR on balance transfers for 12 months when request is submitted within 30 days of account opening. Introductory benefits apply only to new credit card accounts. |
No ongoing APR is published for this card, only the rate above.
Sources (3)
- tdecu.org
- tdecu.org/loans-and-credit-car…it-card-balance-transfer
- tdecu.org/loans-and-credit-cards/credit-cards/platinum
All captured Sep 17, 2026
Onyx Mastercard®
TDECU Credit Cards are available based on Membership eligibility. Credit approval required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | Introductory purchase APR. |
| Ongoing | 13.24%–17.99% | None | Standard purchase APR. |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Onyx Visa Signature®
TDECU Credit Cards are available based on Membership eligibility. Credit approval required. Minimum age 18. Introductory purchase APR for the first three months from account opening (good until the first day of the billing cycle that includes the three-month anniversary date). Introductory benefits apply only to new accounts. Standard purchase APR is variable based on the Prime Rate. 0% introductory APR on balance transfers for the first 18 months when processed/requested within the first 30 days (or 30 business days) of account opening. Balance transfer fee: 5% of the balance transfer amount. Penalty APR of 17.99% may apply if payment is more than 60 days late.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 0.00% | None | Introductory purchase APR for the first three months from account opening (good until the first day of the billing cycle that includes the three-month anniversary date). Introductory benefits apply only to new accounts. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Oct 6, 2026
Platinum Mastercard®
TDECU Credit Cards are available based on Membership eligibility. Credit approval required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | Introductory purchase APR. |
| Ongoing | 12.24%–17.99% | None | Standard purchase APR. |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Platinum Visa®
TDECU Credit Cards are available based on Membership eligibility. Credit approval required. Minimum age 18. Introductory purchase APR for the first six months from account opening (good until the first day of the billing cycle that includes the six-month anniversary date). Introductory benefits apply only to new accounts. Standard purchase APR is variable based on the Prime Rate. 0% introductory APR on balance transfers for the first 18 months when processed within the first 30 business days of account opening. Balance transfer fee: 5% of the balance transfer amount. Penalty APR of 17.99% may apply if payment is more than 60 days late.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory purchase APR for the first six months from account opening (good until the first day of the billing cycle that includes the six-month anniversary date). Introductory benefits apply only to new accounts. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Oct 6, 2026
Visa Credit Cards (Legacy)
Legacy product. Credit approval required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50% | None | — |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Who can join TDECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Greater Houston, Victoria, Dallas-Fort Worth, or Gulf Coast are automatically eligible for membership.
- Individuals who live within 10 miles of a TDECU Member Center are eligible for membership.
Employers and groups
- Texas residents who currently work for, are retired from, or are immediate family members of an employee of a company served by TDECU are eligible for membership.
- Texas residents who are members of an organization served by TDECU are eligible for membership.
Family and household
- Individuals who are Texas residents and are immediate family members of or live in the same household as a current TDECU Member are eligible for membership.
Other ways
- Texas residents are eligible for TDECU membership by agreeing to join the Texas Consumer Council (TXCC) for free during the application process.
Membership information collected October 5, 2026.