TDECU Onyx Mastercard®

Good credit deserves more rewards

Apply now for your TDECU  
Onyx Mastercard®

Save 10¢ per gallon when you 
fuel up at Buc-ee’s using any 
TDECU credit card!3

0%
0%

APR FOR 6 MONTHS1 
on all new purchases

APR FOR 12 MONTHS2 
on balances transferred 
from other cards

Pay as little as 9.50% APR4 and enjoy these features:

•  Annual rebate - up to 2% back

•  Cell phone protection

•   No annual, balance transfer, 

•  Year-end summary of charges

over limit, currency conversion, 
or cash advance fees, & no  
default rate

•  Purchase up to three times  

your limit5

•  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.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

0% Introductory APR for six months1.  
After that, the Standard Rate APR will range from 9.50% to 17.50% ,  
based on your creditworthiness.

APR for Balance Transfers

0% Introductory APR for twelve months2. 
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/learnmore

Fee Charges

Annual Fee

Penalty Fees 
• Late Payment
• Returned Payment

None

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:  

Physical Address:  

Mailing Address:  

 TDECU Member #:  

 City, State, ZIP:  

 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 #:  

Mother’s Maiden Name:  
(for security purposes) 

 Email Address:  

 Last School  Attended:  

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:  
*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. 

 Gross  Monthly Income*:  

Phone #:  

Co-Applicant Signature:  

 SSN:  

 Relationship:  

 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