Credit union · NCUA insured
TDECU Savings Rates
TDECU’s best savings rate is 0.40% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How TDECU’s savings rates compare
Compared with banks and credit unions near Houston, TX, where TDECU has the most branches. $10,000, best rate first.
This credit union’s best
TDECU
1.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $100
High-Yield Savings
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Requires
- None
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Earns on $10,000 a year
- $400
TDECU savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where TDECU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.40%APY
A $10 monthly maintenance fee applies if the daily balance falls below the $2,500 minimum balance requirement at any time during the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. | 0.02% | — | A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. |
| $2,500 – $10,000A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. | 0.25% | — | A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. |
| $10,000 – $25,000A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. | 0.40% | $40 | A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. |
| $25,000 – $50,000A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. | 0.60% | — | A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. |
| $50,000 – $100,000A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. | 0.80% | — | A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. |
| $100,000 – $250,000A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. | 1.00% | — | A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. |
| $250,000 and upA $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. | 1.25% | — | A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month. |
Sources (2)
All captured Oct 16, 2026
High-Yield Savings
Up to 1.00%APY
Your Share Savings gets upgraded to a High-Yield Savings when you open a High-Yield Checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Requires opening a High-Yield Checking account and meeting eligibility requirements (enrollment in eDocuments, recurring direct deposit totaling $500+ per month to HYC, and 10+ POS debit card withdrawals of $1+ per month). | 1.00% | $100 | Requires opening a High-Yield Checking account and meeting eligibility requirements (enrollment in eDocuments, recurring direct deposit totaling $500+ per month to HYC, and 10+ POS debit card withdrawals of $1+ per month). |
| Any balanceRate applied if High-Yield Checking account requirements are not met. | 0.10% | $10 | Rate applied if High-Yield Checking account requirements are not met. |
| Over $50,000Requires opening a High-Yield Checking account and meeting eligibility requirements. | 0.25% | — | Requires opening a High-Yield Checking account and meeting eligibility requirements. |
Sources (2)
- tdecu.org/savings-and-checking…unts/high-yield-checking
- tdecu.org/savings-and-checking/compare-savings-accounts
All captured Oct 16, 2026
Money Market Savings
0.20%APY
Listed under Legacy Products. $2,500 minimum balance required to earn stated APY and to avoid maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and up$2,500 minimum balance required to earn stated APY and to avoid maintenance fee. Maintenance fee assessed if account balance falls below minimum requirement at any time during the month.$2,500 and up | 0.20% | $20 | $2,500 minimum balance required to earn stated APY and to avoid maintenance fee. Maintenance fee assessed if account balance falls below minimum requirement at any time during the month. |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Escrow Savings
0.10%APY
A savings account designed to hold funds for real estate taxes, hazard insurance, mortgage insurance, and other items. Requires a TDECU Mortgage Loan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a TDECU Mortgage Loan.Any balance | 0.10% | $10 | Requires a TDECU Mortgage Loan. |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Share Savings
0.10%APY
This interest-bearing account makes you a TDECU Member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Club Savings
0.10%APY
A secondary savings account to help you meet specific goals, like saving for large purchases or building an emergency fund.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
- tdecu.org/savings-and-checking/compare-savings-accounts
- tdecu.org/savings-and-checking…gs-accounts/club-savings
All captured Oct 16, 2026
Kids Club Savings
0.10%APY
A savings account designed for kids ages 4-12. Requires a parent or guardian TDECU Member who is 18 years or older to be on the account with the child.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
Savings IRA
0.10%APY
A tax-free, or tax-deferred, way to save for retirement that can be funded with savings, money markets, or CD accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
Studio55+ Club
0.10%APY
A savings account that offers exclusive benefits for TDECU Members ages 55 and better.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
TX UTMA Savings
0.10%APY
Texas Uniform Transfers to Minors Act (TX UTMA) is a custodial account that can help you save for your child's future by offering certain tax advantages.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
Teen Savings
0.10%APY
A savings account to help develop solid financial habits for teens ages 13-17. Teens aged 13-17 are eligible to open a savings account at one of TDECU's Member Centers without a parent or guardian.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All 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.