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Texas Dow Employees Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases12.24%–17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfersintroductory rate first
Introductory, 12 months0%TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
After12.24%–17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for cash advances12.24%–17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Paying interestgrace period on new purchases—
Annual feeNoneTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance5% of the amount, minimum $10, 5% minimum fee of $10.00TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer—
Foreign transaction2% of the amount, 2% of the total purchase amount in U.S. dollarsTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late paymentup to $25 — $25.00TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Returned paymentup to $25 — $25.00TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Other fees$37.50, $37.50 per plastic for rush cardsTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsBalance transfer · Introductory 0% introductory APR for the first twelve months on balance transfers processed within the first 30 business days of account opening. Introductory benefits apply only to new credit card accounts. Existing accounts that have been converted from Mastercard® to Visa® are not considered new accounts and are not eligible for introductory benefits.TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsBalance transfer · Regular; Cash advance · RegularThis APR will vary with the market based on the Prime Rate.TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsPenalty · PenaltyFail to make a Minimum Payment by the date and time that it is due orTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsPurchase · RegularAPR on new accounts is directly assigned based on creditworthiness.TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back1% cash back. Payment timing is not disclosed. . Plus, there’s no better way to show your love than by carrying the power of the beaver right in your pocket! Apply today, show your pride, and save next time you visit your favorite Buc-ee's! Plus 1% Cash Rewards on all eligible purchasesTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cashback qualificationsCash back Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible does not include fees, interest charges, balance transfers, cash advances, convenience checks, purchases for cash equivalents (money orders, gift cards, prepaid cards), disputes and illegal transactions, or gambling. For more information, visit TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website