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Texas Dow Employees Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchases | 12.24%–17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfersintroductory rate first | ||
| Introductory, 12 months | 0%TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 12.24%–17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | 12.24%–17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | 17.99% variableTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Paying interestgrace period on new purchases | — | |
| Annual fee | NoneTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | 5% of the amount, minimum $10, 5% minimum fee of $10.00TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | — | |
| Foreign transaction | 2% of the amount, 2% of the total purchase amount in U.S. dollarsTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | ||
| Late payment | up to $25 — $25.00TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Returned payment | up to $25 — $25.00TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Other fees | $37.50, $37.50 per plastic for rush cardsTEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 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, 2026 | Website |
| APR qualificationsBalance transfer · Regular; Cash advance · Regular | This APR will vary with the market based on the Prime Rate.TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPenalty · Penalty | Fail 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, 2026 | Website |
| APR qualificationsPurchase · Regular | APR on new accounts is directly assigned based on creditworthiness.TEXAS DOW EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1% 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, 2026 | Website |
| 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, 2026 | Website |