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We’re Glad You’re Here
Find out what to expect as a new hire.
Welcome
Starting Off Strong
Welcome to TCDRS! Here you’ll get information on the steps you’ll need to take at this stage, how the plan works and resources to answer any additional questions you may have.
Account Registration
Take Your
Retirement Online
By registering your account in our Member Portal, you’ll be able to:
- See all your retirement details in one convenient place.
- Take care of important actions, like naming a beneficiary.
- Use our online estimator to see how your benefit could contribute to your income in retirement.
You’ll receive a welcome brochure and your account number after your employer enrolls you in TCDRS. You will need your account number to register for online account access.
Plan Details
How TCDRS Works
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A percentage of your paycheck (4-7%) is deposited into your TCDRS account.
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Your savings grow at an annual, compounded rate of 7% interest.
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Once you retire, you’ll receive a benefit payment for life based on your account balance and employer matching.
Example of How Compound Interest Works
| YEAR | JAN.1 BALANCE | DEPOSITS | 7% INTEREST | ENDING BALANCE |
|---|---|---|---|---|
| Year 1 | $0 | $2,000 | $0 | $2,000 |
| Year 2 | $2,000 | $2,000 | $140 | $4,140 |
| Year 3 | $4,140 | $2,000 | $289 | $6,429 |
Most plan details can be found in our Member Portal.
To view your account details, name a beneficiary and more, sign in or register for access to our online Member Portal.
members
Member Services
We have multiple resources available to ensure you understand your new plan with TCDRS, including:
- Our online Member Portal has all your account details in one convenient place. Sign In
- Online counseling gives you the opportunity to have a face-to-face chat with a TCDRS representative if you need assistance. Learn More
- A robust library of publications, brochures and more related to the various stages of retirement. Explore Resources
Serving in the Military
Performing your military duty shouldn’t force you to put off your retirement plans. In fact, you may be able to have your military service time counted toward your retirement eligibility if:
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Your discharge was under honorable conditions.
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You have not applied for military service time in another Texas public retirement system.
ONLINE LIBRARY
A Wealth of Knowledge
Take a look at our publications and news articles to get an even deeper understanding of what it means to be a part of TCDRS.
Service Time
Your service time determines if you’re vested and if you’re eligible for retirement. You generally earn one month of current service ...
Read more
How Your Savings Grow FAQs
With every paycheck, a certain percentage of your money (set by your employer) is deposited in your TCDRS account. The money is not t...
Learn more
Naming a Beneficiary
Naming a beneficiary for your TCDRS account is one of the most important things you can do for your loved ones. It could save them fr...
Read more