Good credit deserves more rewardsTDECU Onyx Mastercard�
APR FOR 6 MONTHS1 
on all new purchasesAPR FOR 12 MONTHS
2 
on balances transferred from other cards0%
0%Apply now for your TDECU  Onyx Mastercard
�
Pay as little as 9.50% APR4 and enjoy these features:
� Annual rebate - up to 2% back�  No annual, balance transfer, over limit, currency conversion, or cash advance fees, & no  default rate� Purchase up to three times  your limit
5� Cell phone protection� Year-end summary of charges� Price match guarantee if you find purchased item at a cheaper price (non-auction)� Identity theft resolutions services� Increased warranties for up to one year on purchases� Free online account access, bill pay option & much more!
Transfer account balances and start saving now!  Visit tdecu.org/balance-transfer to get started.Save 10� per gallon when you fuel up at Buc-ee�s using any TDECU credit card!
3 Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Introductory APR for six months
1.  After that, the Standard Rate APR will range from 9.50%  to 1 7 . 5 0 % ,  based on your creditworthiness. APR for Balance Transfers 0% Introductory APR for twelve months
2. After that, the Standard Rate APR will range from 9.50%  to 17.50% based on your creditworthiness. APR for Cash Advances  9.50% to 17.50% , based on your creditworthiness. How to Avoid Paying Interest  on Purchases Your due date is at least 25 days after the close of each billing cycle. We will  not charge you interest on purchases if you pay your entire balance by the due  date each month. For Credit Card Tips from  the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a  credit card, visit the Consumer Financial Protection Bureau at  www.consumerfinance.gov/learnmoreFee Charges Annual Fee None Penalty Fees � Late Payment� Returned Payment Penalty Fees Up to $25 Up to $25
How We Calculate Your Balance: We use a method called �average daily balance (including new purchases).�The information about the costs of the cards is accurate as of 6/1/2018. This information may have changed after that date. To find out what may have changed, call us at 800.839.1154 or write to us at TDECU, 1001 FM 2004, Lake Jackson, TX 77566-4012. The Credit Union may modify the terms of the credit agreement, including the periodic rate, at any time subject to such notice as may be required by applicable law.
1 Introductory rate good until the first day of the billing cycle that includes the six-month anniversary date of the opening of your account.
2 Offer applies only to balance transfer requests received by us within 30 business days of account opening.
3 Offer is available until further notice and is not valid with other discounts. Other restrictions may apply.
4 Your exact rate is based on your creditworthiness.
5 Must meet certain qualifications.APR = Annual Percentage Rate. Cardholder benefits are subject to change without notice. Insured by NCUA. 10-11381-ONYX TDECU Onyx credit card application
o YES, I certify that I am at least 18 years of age*, and that I have read and agree to all the terms, authorizations and disclosures contained on this form and that everything I have stated in the certificate is true and correct. I authorize TDECU to check my credit record and to verify my credit, employment, and income references. I understand that the use of any card issued in conjunction with this offer will constitute my acceptance of and will be subject to the terms and conditions of the Card Agreement. I understand that the terms of my Account are subject to change as provided in the Card Agreement.  
*If you have not attained the age of 21 and are applying for individual credit, we will consider your independent ability to pay with the information you provide.
____  Applicant ____  Joint Applicant  (Applicant and joint applicant must initial here to indicate that you intend to apply for joint credit.)
 Please print clearly  
Name:     TDECU Member #:      Physical Address:    
 City, State, ZIP:       Mailing Address:    
 City, State, ZIP:      Employer & Gross Monthly Income*:           
*Additional income such as alimony, child support, or separate maintenance income need not be revealed if you do not wish it to be considered as a basis for repaying this obligation.    
Residence:    o Own    o  Rent    o  Other  
(please check one)  
Phone #:    Email Address:         Mother�s Maiden Name:
    Last School  Attended:        
(for security purposes)  
I (we) are giving the credit union a security interest in all shares at the credit union.    (Applicant�s Initials) 
Applicant Signature:     Date:        
o I agree to the terms and conditions of this offer. This form must be signed and initialed above. You will find important disclosures containing rate, fee, and other cost information concerning the card on the cover page of this offer.
Co-applicant information 
Name: ____________________________________________________________________________________________________   Date of Birth:  
 Gross  Monthly Income*:          
*Additional income such as alimony, child support, or separate maintenance income need not be revealed  if you do not wish it to be considered as a basis for repaying this obligation. 
Phone #:   SSN:    Relationship:       Co-Applicant Signature:
     Date:         
o I agree to the terms and conditions of this offer. This form must be signed and initialed above. You will find important disclosures  containing rate, fee, and other cost information concerning the card on the cover page of this offer.
Payment protection  
o I understand the purchase of payment protection is voluntary and not required to obtain credit. I am electing to have a TDECU  representative contact me prior to the processing of this credit application to discuss payment protection coverage options. 10-11381