Products & Services

Competitive Savings Accounts
At Travis County Credit Union you can open an account with a deposit of as little as $25. The regular savings account pays quarterly dividends based upon minimum balance requirements. This basic account opens the door to the many other credit union services, including voting privileges and the right to serve on TCCU committees.

Certificates of Deposit (CDs)
Certificates of Deposit can be opened (with a minimum $1,000.00 deposit) which pay a higher interest rate than traditional savings accounts. Three to sixty month certificates are available through Travis County Credit Union. Dividend rates vary depending on the term of the certificate. We strive to have some of the best rates in town.

Money Market Account
Money Market accounts can be opened with a minimum opening deposit of $2,000.00. Money Market accounts provide you the value of a savings account while also providing flexibility with access similar to that of a checking account. The greater your balance, the higher the rate of return. See our Rate Sheet for current rates. There are limitations to the number of transactions that you can conduct in a month. See the current Truth in Savings CD Disclosure for more details about these limitations.

Holiday Club Accounts
Only $5.00 to Open Make as many deposits whenever you want, whenever you can. No withdrawals permitted, to keep you and your money apart until it's time! Interest is paid through November 30. A automatic transfer will take place on December 1st to make the funds available to you in your main share account. If you do need to close the account early, a penalty equal to 30 days of interest will be charged to the account. If account is closed early, it cannot be re-opened within the same calendar year.

Individual Retirement Accounts
An IRA is a personal plan designed to help members save for retirement. The interest earned continues to compound until it is withdrawn at retirement. The earnings are variable, but are compounded and paid quarterly.

Checking Accounts
	Advantage Checking	E-Saver Checking	Check Plus Checking	Unlimited Checking
Monthly Service Charge	No Charge	$3.00/month	$6.00/month	$8.00/month
Box of Checks	Based on Style	Based on Style	First Box Free	No Charge
Teller Transactions	No Charge	No Charge	No Charge	No Charge
Paper Check Clearing	$0.25 each	$0.25 each	No Charge	No Charge
ACH Clearing	No Charge	No Charge	No Charge	No Charge
Debit Card Point of Sale	$0.10 each	No Charge	$0.10 each	No Charge
Online Bill Pay	No Charge*	No Charge*	No Charge*	No Charge
Paper Statement Mailing	$1.00/month	$1.00/month	No Charge	No Charge
E-Statement	No Charge	No Charge	No Charge	No Charge
REWARDS		Card Patrol	Card Patrol	Card Patrol
		Everywhere Cash Savings	Everyday Rebate Rewards	Purchase Protection & Extended Warranty
		Purchase Protection & Extended Warranty	Savers Club	My GetAway
		Identity Theft Insurance	Hotel Savings Network Discounts	Everyday Rebate Rewards
		Identity Fraud Support Service	Identity Theft Insurance	Identity Theft Insurance
			Identity Fraud Support Service	Identity Fraud Support Service

* No Charge if service is active. BillPay services which are inactive for 60 days or more will be charged $1.99 per month.
Check Plus and Unlimited Checking Accounts earn interest with Daily Balances over $1,500
See TCCU Rate & Fee Schedule for other fees that may apply to other transactions.

Which account is right for you? The E-Saver account is designed for those that predominantly rely on their Debit Card and not paper checks. The Check Plus account is designed for those that write a lot of checks but don't really use their Debit Card. The Unlimited account is designed for those members that use both and don't want to worry about paying any fees outside of the one easy monthly service charge. Finally, the Advantage account is designed for those that don't plan to use the account very often as it has no service charge and will only access a fee for the services that you use when you use them.

Debit Cards
With a TCCU MasterCard Debit Card the ease and convenience of paying for purchases with funds in your checking account is at your finger tips. In addition, having a Debit Card also allows you to withdraw cash from thousands of ATMs nationwide. Find an ATM locations near you by clicking the "ATMs" link in the top banner.

Find all the ATM's that are Surcharge FREE to you around the United States.

Call today for more details on applying for a Debit Card. You can find an applicaiton in our Common Forms area.

ScoreCard Rewards
Use your TCCU Debit Card and earn Bonus Points that can be redeemed for gifts and travel rewards. Find out more by clicking here.

If you lose your card or it is stolen, immediately call to have it blocked: (800) 500-1044

Courtesy Pay
We've all been there: You make an error in your checkbook, an unexpected expense comes up or you run a little short before payday. TCCU has now introduced Courtesy Pay which may spare you the embarrassment and expense of insufficient funds. Courtesy Pay allows us to pay a check or ACH debit presented against your checking account -- even when your balance is not sufficient to cover it. As of now, TCCU will save you the worry that an item will be returned unpaid just because you are a few dollars short. Thanks to Courtesy Pay, the expense and embarrassment of returned checks are things of the past. Some conditions and limits do apply to each individual account. Contact a representative to find out more details.

Travis County Credit Union Wiring Instructions

Direct To: Corporate America Credit Union
4365 Crescent Road
Irondale, AL 35210
ABA: 262090120

Credit To: Travis County Credit Union
1101 North IH 35
Austin, TX 78702
Account: 314977382

Final Credit To: Member Name and Account Number

Visa Gift Card Program
TCCU is making gift giving easy, fast, and convenient. Visa Gift Cards is the perfect gift....money. Purchase the card for special occasions such as birthdays, anniversaries, graduation presents, or purchase it for yourself. No more waiting in line or worrying about what to buy. You can purchase a card and place any amount you want on it, between $10 and $500. Best of all, the recipient of the card can use it anywhere Visa is accepted (some restrictions apply). Visa Gift Cards are available at our main office location. The cost is only $3.00 per card.

Additional Services
At Travis County Credit Union, membership has its privileges. Our extensive list of member services sets us apart from most other financial institutions. Here are just some of the benefits you will receive by becoming a TCCU member: