Get cash back on all your favorite foods.
Order delivery or shop for groceries often? See how you can get rewarded for your monthly purchases.*
Eats Rewards Advantages
- Earn rewards on grocery stores and food delivery services
- Available on H-E-B® transactions
- No monthly maintenance fees
- No minimum balance to earn rewards

- Free checking that pays for meals and groceries
- 6.00% cash back on debit card purchases with select grocery stores and delivery services
- Cash back earned on as much as $200 in purchases monthly
- Earn as much as $144 cash back per year, $12 per month
- Eligible grocery stores and delivery services include H-E-B, Walmart, Costco, DoorDash, and many more
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Links to Free ATX Saver to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free digital banking services, including:
- Free Online Banking with e-Bill Pay and e-Alerts
- Free Mobile Banking with e-Deposit
- Free eStatements
- Free MasterCard debit card
- $25 minimum deposit to open
Bank with PECU. Get Rewarded.
It's so simple to qualify for your Eats Rewards that you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Eats Rewards account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or ACH credit transaction
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
That's it. Even if you don't meet your qualifications during the cycle, your account is still free. And you can get right back to earning your cash rewards the very next month.
Grocery
- H.E.B.
- Randalls
- Whole Foods/365
- Central Market
- Albertsons
- Aldi
- Walmart
- Target
- Trader Joes
- Costco
- Sam's Club
- Kroger
- Brookshire's
- Cash Wise
- Coborn's
- Cub Goods
- Dearborn Market
- Dillons
- Dollar General
- Dollar Tree
- $1.00 Store
- Family Dollar
- Family Fare
- Food Lion
- Food Pride
- The Fresh Grocer
- Fresh Thyme
- Giant
- Gourmet Garage
- Hannaford
- Harris Teeter
- Hy-Vee
- Meijer
- Piggly Wiggly
- Publix
- Price Rite
- Safeway
- Save A Lot
- ShopRite
- Sprouts
- Stop & Shop
- Smith's
- SpartanNash
- Vons Grocery
- Wegmans
- WinCo Foods
Delivery
- Uber Eats
- DoorDash
- Favor
- Food Dudes
- Grub Hub
- Instacart
- Postmates
- Shipt
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.
See our website or contact one of our financial service representatives for specific Monthly Qualification Cycle dates.
"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.
"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our financial service representatives for specific Statement Cycle dates.
Reward Information:
When Eats Rewards qualifications are met during a Monthly Qualification Cycle, you will receive 6% cash back on up to a total of $200 in debit card purchases, made at grocery stores and food delivery services identified at https://www.pecutx.org/bank/atx-flex-rewards-checking/eats-rewards.html#tabEligibleGroceryStoresFoodDeliveryServices-tab that post and settle to your account during that cycle period. A maximum of $12 in cash back payments may be earned per Monthly Qualification Cycle. Your account's debit card may be used for any transaction but the account's cash back rewards are only valid at and only apply to debit card purchases made with one of our identified retailers. Please refer to https://www.pecutx.org/bank/atx-flex-rewards-checking/eats-rewards.html#tabEligibleGroceryStoresFoodDeliveryServices-tab or visit one of our locations for a current list Eats Rewards merchants.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Cash Back account during that Monthly Qualification Cycle.
When your Eats Rewards account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.
The cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$25.00 deposit is required to open the account.
Limit of one (1) account per Social Security Number or Individual Taxpayer Identification Number.
There are no recurring monthly maintenance charges or fees to open or close this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
See our website or contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA
Use this calculator to determine your projected earnings from our High Interest Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
CD and IRA CDs
| Term | Rate | Annual Percentage Yield |
|---|---|---|
| *6 Months | 3.64% | 3.70% |
| *12 Months | 3.69% | 3.75% |
| *24 Months | 3.59% | 3.65% |
| *36 Months | 3.54% | 3.60% |
| *48 Months | 3.44% | 3.50% |
Minimum Balance- $1,000.00
*6 month certificates are not available under the IRAs.
*APY = Annual Percentage Yield
Credit Cards
| Card Type | Annual Percentage Rate (APR) | Annual Fee |
|---|---|---|
| Platinum MasterCard | 7.99% APR* | $0 |
| Gold MasterCard | 9.99% APR* | $0 |
| Regular MasterCard | 11.50% APR* | $0 |
| Share Secured MasterCard | 12.00% APR* | $0 |
*APR = Annual Percentage Rate
Free ATX Saver for High Interest
| Below Cap Rate | Below Cap APY | Cap | Above Cap Rate | APY Range | Non-Qual Rate |
|---|---|---|---|---|---|
| 2.472% | 2.50% | $50,000 | 0.499% | 2.50% to 1.50% | 0.05% |
APY = Annual Percentage Yield
High Interest Checking
| Below Cap Rate | Below Cap APY | Cap | Above Cap Rate | APY Range | Non-Qual Rate |
|---|---|---|---|---|---|
| 5.841% | 6.00% | $15,000 | 0.499% | 6.00% to 1.00% | 0.05% |
APY = Annual Percentage Yield
Holiday Savings Rates
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Holiday Savings | 0.25% | 0.25% |
Minimum Balance- $5.00
Annual Percentage Yield- Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain in the account through the last day of the month to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Early withdrawal Penalty: Any withdrawal of funds prior to the end of the term will result in a loss of all earnings.
Home Equity Loans
| Maximum Term | As Low As |
|---|---|
| Up to 5 years | 5.39 APR* |
| Up to 10 years | 5.79 APR* |
| Up to 15 years | 6.19 APR* |
| Up to 20 years | 6.39 APR* |
Equal Housing Lender
*APR = Annual Percentage Rate
IRA Rates
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Individual Retirement Account | 0.40% | 0.40% |
Interest Rates- are subject to change at any time.
Ask for details and restrictions.
*APY = Annual Percentage Yield
Jumbo CDs
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| **6 Months | Please, call | Please, call for APY |
| **12 Months | Please, call | Please, call for APY |
Minimum Balance- $90,000.00
Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain on the certificate to the end of the term to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Early withdrawal Penalty.
** Jumbo certificates are not available under the IRAs.
Money Market Rates
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| $2000.00-$24999.99 | 0.55% | 0.55% |
| $25000.00-$74999.99 | 0.65% | 0.65% |
| $75000.00-$124999.99 | 0.75% | 0.75% |
| $125000.00-$199999.99 | 1.00% | 1.00% |
| $200000.00 and over | 1.25% | 1.26% |
Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain in the account through the last day of the month to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Mortgage Loans
Motorcycle and Scooter Loans
| Year | Max Term | As Low As |
|---|---|---|
| 2025-2024 | Up to 66 months | 6.89% APR* |
| Up to 72 months | 7.49% APR* | |
| 2023-2022 | Up to 66 months | 8.09% APR* |
| Up to 72 months | 8.69% APR* | |
| 2021-2020 | Up to 48 months | 9.29% APR* |
| Up to 63 months | 9.29% APR* | |
| 2019-2018 | Up to 48 months | 9.29% APR* |
*APR = Annual Percentage Rate
New and Used Autos
| Year | Max Term | As Low As |
|---|---|---|
| 2024 and Newer | Up to 36 Months | 4.99 APR* |
| Up to 48 Months | 5.29 APR* | |
| Up to 60 Months | 5.39 APR* | |
| Up to 66 Months | 5.49 APR* | |
| Up to 72 Months | 5.59 APR* | |
| Up to 78 Months | 6.29 APR* | |
| Up to 84 Months | 6.49 APR* | |
| 2023 | ||
| Up to 66 Months | 5.79 APR* | |
| Up to 72 Months | 6.09 APR* | |
| Up to 75 Months | 6.29 APR* | |
| 2022-2021 | Up to 66 Months | 5.99 APR* |
| Up to 72 Months | 6.29 APR* | |
| 2020 | Up to 60 Months | 6.39 APR* |
| Up to 66 Months | 6.39 APR* | |
| 2019-2018 | Up to 54 Months | 6.39 APR* |
| Up to 60 Months | 6.39 APR* | |
| 2017-2016 | Up to 54 Months | 6.59 APR* |
| Up to 60 Months | 6.59 APR* |
*APR = Annual Percentage Rate
Ready Credit Loan
| Maximum Amount | Annual Percentage Rate (APR) |
|---|---|
| $500.00 to $5000.00 | 11.50% APR* |
*APR = Annual Percentage Rate
Recreational Vehicles
| Maximum Term | As Low As |
|---|---|
| Up to 48 months | 7.19 APR* |
| Up to 60 months | 7.79 APR* |
| Up to 84 months | 8.39 APR* |
| Up to 120 months | 8.99 APR* |
| Up to 180 months | 9.99 APR* |
*APR = Annual Percentage Rate
Regular Share/Savings Rates
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Regular Savings | 0.20% | 0.20% |
Paid Quarterly
Share Draft / Checking Rates
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Checking Account | 0.05% | 0.05% |
Paid Monthly
Share Secured Loan and Share Certificate Secured Loan
| Loan Type | Annual Percentage Rate (APR) |
|---|---|
| Share Secured Loan | 4.75% APR* |
| Share Certificate Secured Loan | 2.50% greater than Share Certificate Rate |
*APR = Annual Percentage Rate
Signature Loans
| Term | As Low As |
|---|---|
| 24 months | 9.49% APR* |
| 36 months | 9.99% APR* |
| 48 months | 10.24% APR* |
| 60 months | 10.49% APR* |
*APR = Annual Percentage Rate
Teen Bling Membership Shares
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Club Bling Membership | 0.25% | 0.25% |
Paid Quarterly
Zoo Crew Kids Membership Shares
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Kids Savings Account | 0.25% | 0.25% |
Paid Quarterly
