Loan Rates and Account Fees

Car Loans

Please visit our Auto Loan products page for more info.

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Smart Start Auto Loans

Please visit our Smart Start Auto Loan page for more info.

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*APR= ANNUAL PERCENTAGE RATE.  ADVERTISED RATE IS THE LOWEST ANNUAL PERCENTAGE RATE OFFERED FOR A 36-MONTH TERM ON NEW AUTOS. ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. MINIMUM LOAN AMOUNT IS $5,000. MAXIMUM LOAN AMOUNT IS $40,000. TERMS OF REPAYMENT EXAMPLE: A $15,000 AUTO LOAN WITH A 36-MONTH TERM AT 5.99% APR EQUALS A $456.26 MONTHLY PAYMENT. OTHER CONDITIONS APPLY. PROGRAM ELIGIBILITY: MUST BE 18 YEARS OF AGE OR OLDER. MUST BE EMPLOYED FOR 1 CONSECUTIVE YEAR AT TIME OF APPLICATION OR GRADUATED WITHIN 12 MONTHS FROM ANY UNIVERSITY/COLLEGE/TECHNICAL SCHOOL PROGRAM AND WORKING IN A FULL-TIME CAPACITY.

Motorcycle Loans

Please visit our Recreational Vehicle products page for more info.

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Boat & Leisure Vehicle Loans

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Savings

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Checking Accounts

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Individual Retirement Accounts (IRA)

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Individual Retirement Accounts/Certificates of Deposit

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Certificates of Deposit

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Rates and terms are subject to change without notice. Early Withdrawal Penalties - Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates.

Money Market Account Rates

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Mortgage Rates

For Home Loan rates, please visit TDECU's mortgage rates page here. Check out TDECU's rates for purchases, home loan refinancing, and home equity loans. If you have any questions, please contact us at 713-407-1830 or mortgagelending@smartcu.org.

Business Savings Accounts

Business Money Market Accounts

Business CD Rates

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APY=ANNUAL PERCENTAGE YIELD. RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. EARLY WITHDRAWAL PENALTIES - YOUR ACCOUNT WILL MATURE AFTER THE APPLICABLE TERM OF YOUR CERTIFICATE OF DEPOSIT SET FORTH ABOVE. WE WILL IMPOSE A PENALTY IF YOU WITHDRAW ANY OF THE FUNDS IN YOUR CERTIFICATE OF DEPOSIT WITHIN THE FIRST SIX DAYS AFTER YOUR ACCOUNT IS OPENED. THE PENALTY WILL EQUAL SEVEN DAY'S INTEREST ON YOUR ACCOUNT. IF YOU MAKE PARTIAL WITHDRAWALS OF PRINCIPAL PRIOR TO THE MATURITY DATE, PENALTIES WILL BE IMPOSED ON THE AMOUNT OF THE WITHDRAWAL. WE WILL IMPOSE A PENALTY IF YOU REDEEM YOUR CERTIFICATE PRIOR TO THE MATURITY DATE. APPLICABLE TO ALL SMART FINANCIAL PRODUCTS: IF YOU'RE A NEW MEMBER, YOU WILL PAY A ONE-TIME $5 ENTRANCE FEE IN ADDITION TO THE MINIMUM OPENING DEPOSIT REQUIRED BY THE ACCOUNT.

2026 Fee Schedule

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Note: Loans are subject to additional fees. For complete fees refer to loan documents.