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Texas Credit Union IRA CD Rates 2019

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

TX - December 13, 2019

Advertiser Disclosure
Credit UnionS APY Months MIN Miles?
Melrose
Restrictions
2.42% - $5,000 -
American Airlines
Restrictions
2.33% - $1,000 -
2.27% 12 $5,000 -
Cal-com
Restrictions
2.21% - $500 -
2.17% - $500 -
Energy One
Restrictions
2.10% 20 $100,000 -
2.10% - $1,000 -
Beacon
Restrictions
2.10% - $1,000 -
First Technology
Restrictions
2.10% - $500 -
2.07% - $1,000 -
2.05% - $1,000 -
2.05% - $1,000 -
Eastman
Restrictions
2.05% - $1,000 -
2.02% 29 $1,000 -
Houston
Restrictions
2.02% - $500 -
Jsc
Restrictions
2.02% - $500 -
Shared Resources
Restrictions
2.02% - $5,000 -
Centex Citizens
Restrictions
2.02% - $1,000 -
Energy One
Restrictions
2.00% 20 $500 -
Shell
Restrictions
2.00% - $500 -
Chevron
Restrictions
2.00% - $500 -
2.00% - $1,000 -
2.00% - $1,000 -
2.00% - $1,000 -
Delta Community
Restrictions
1.99% - $1,000 -
The People's
Restrictions
1.96% - $5,000 -
Pantex
Restrictions
1.92% - $2,500 -
Barksdale
Restrictions
1.92% - $1 -
Credit Human
Restrictions
1.90% - $500 -
First Community
Restrictions
1.90% - $500 -
Intouch
Restrictions
1.90% 7 $1,000 -
Texell
Restrictions
1.90% - $1,000 -
1.90% - $1,000 -
Educators
Restrictions
1.87% - $1,000 -
Genco
Restrictions
1.86% - $1,000 -
Domino
Restrictions
1.86% - $500 -
Energy One
Restrictions
1.85% 7 $100,000 -
Advancial
Restrictions
1.81% - $1,000 -
Amoco
Restrictions
1.81% - $1,000 -
Great Plains
Restrictions
1.81% - $500 -
Harris County
Restrictions
1.81% - $500 -
1.81% - $1,000 -
1.81% - $1,000 -
1.81% - $500 -
Fort Worth City
Restrictions
1.80% - $1,000 -
Smart Financial
Restrictions
1.80% - $1,000 -
Premier America
Restrictions
1.80% - $1,000 -
Texas Trust
Restrictions
1.80% - $500 -
Intouch
Restrictions
1.80% - $1,000 -
Fivepoint
Restrictions
1.77% - $1,000 -
Justice
Restrictions
1.76% - $500 -
Ep
Restrictions
1.76% - $500 -
Mobiloil
Restrictions
1.76% - $1,000 -
Neches
Restrictions
1.76% - $1,000 -
North East Texas
Restrictions
1.76% - $1,000 -
Union Square
Restrictions
1.76% - $1,000 -
Energy One
Restrictions
1.75% - $500 -
River City
Restrictions
1.75% - $1,000 -
Texasgulf
Restrictions
1.75% - $500 -
Air Force
Restrictions
1.75% - $1,000 -
Unify Financial
Restrictions
1.75% - $1,000 -
Mil-way
Restrictions
1.75% - $2,500 -
Texoma Community
Restrictions
1.75% - $1,000 -
1.75% - $1,000 -
Neighborhood
Restrictions
1.75% - $2,500 -
Eecu
Restrictions
1.75% - $1,000 -
1.75% - $1,000 -
Texas Bay
Restrictions
1.71% - $1,000 -
Velocity
Restrictions
1.71% - $1,000 -
1.70% - $250 -
Altra
Restrictions
1.70% 31 $1,000 -
First Central
Restrictions
1.70% - $1,000 -
1.68% 13 $1,000 -
Kelly Community
Restrictions
1.66% - $1,000 -
Greater Texas
Restrictions
1.65% - $1,000 -
University
Restrictions
1.65% - $1,000 -
First Service
Restrictions
1.65% - $1,000 -
Postel Family
Restrictions
1.61% - $1,000 -
A+
Restrictions
1.61% - $1,000 -
Gecu
Restrictions
1.61% - $50 -
Pentagon
Restrictions
1.60% - $1,000 -
Truity
Restrictions
1.60% - $500 -
1.60% - $500 -
Security Service
Restrictions
1.60% 15 $50,000 -
Xceed Financial
Restrictions
1.60% - $500 -
Texar
Restrictions
1.60% - $1,000 -
Access Community
Restrictions
1.60% - $5,000 -
Las Colinas
Restrictions
1.58% - $1,000 -
Security Service
Restrictions
1.55% 15 $500 -
Endurance
Restrictions
1.55% - $500 -
People's Trust
Restrictions
1.54% - $1,000 -
Dugood
Restrictions
1.51% - $1,000 -
Kerr County
Restrictions
1.51% - $1,000 -
1.51% - $1,000 -
Austin Telco
Restrictions
1.51% - $1,000 -
1.51% - $1,000 -
Geico
Restrictions
1.51% - $1,000 -
Randolph-brooks
Restrictions
1.51% - $1,000 -
Windthorst
Restrictions
1.51% - $1,000 -
Members First
Restrictions
1.51% - $500 -
Gulf Coast
Restrictions
1.50% - $500 -
Chemcel
Restrictions
1.50% - $1,000 -
Security Service
Restrictions
1.50% 15 $500 -
Members Choice
Restrictions
1.50% - $500 -
City
Restrictions
1.50% - $1,000 -
Resource One
Restrictions
1.50% - $500 -
Firstlight
Restrictions
1.45% - $500 -
Altra
Restrictions
1.45% 13 $1,000 -
White Sands
Restrictions
1.41% - $1,000 -
Relyon
Restrictions
1.41% - $1,000 -
1.41% - $1,000 -
1.40% - $500 -
Security Service
Restrictions
1.40% - $500 -
Firstmark
Restrictions
1.40% - $500 -
Truwest
Restrictions
1.40% - $500 -
One Source
Restrictions
1.31% - $1,000 -
Datcu
Restrictions
1.31% - $1,000 -
1.31% - $1,000 -
1.30% - $500 -
Bayer Heritage
Restrictions
1.26% - $500 -
Community Service
Restrictions
1.26% - $1,000 -
Primeway
Restrictions
1.25% - $1,000 -
Border
Restrictions
1.25% - $1,000 -
Capitol
Restrictions
1.25% - $1,000 -
Baxter
Restrictions
1.25% - $500 -
Wellspring
Restrictions
1.21% - $1,000 -
United Heritage
Restrictions
1.20% - $1,000 -
1.16% - $1,000 -
1.16% - $500 -
Security Service
Restrictions
1.15% - $500 -
F A A
Restrictions
1.10% - $500 -
Education
Restrictions
1.05% - $1,000 -
1.01% - $10 -
1.01% - $1,000 -
Concho Educators
Restrictions
1.00% - $500 -
Nascoga
Restrictions
1.00% - $1,000 -
1.00% - $1,000 -
Rockdale
Restrictions
1.00% - $1,000 -
Texans
Restrictions
1.00% - $1,000 -
Texas Bridge
Restrictions
1.00% - $1,000 -
1.00% - $1,000 -
Security Service
Restrictions
0.95% - $500 -
Walker County
Restrictions
0.95% - $1,000 -
Altra
Restrictions
0.95% - $1,000 -
Investex
Restrictions
0.95% - $1,000 -
1st Community
Restrictions
0.90% - $25 -
Baycel
Restrictions
0.90% - $2,500 -
Valley
Restrictions
0.85% - $1,000 -
Riverland
Restrictions
0.85% - $1,000 -
Southwest 66
Restrictions
0.80% - $1,000 -
0.80% - $1,000 -
0.75% - $1,000 -
Security First
Restrictions
0.75% - $1,000 -
Golden Triangle
Restrictions
0.75% - $1,000 -
0.75% - $1,000 -
0.75% - $1,000 -
Secured Advantage
Restrictions
0.70% - $500 -
0.65% - $2,500 -
0.60% - $500 -
First Basin
Restrictions
0.60% - $1,000 -
0.60% - $1,000 -
Texas Tech
Restrictions
0.55% - $1,000 -
Gulf
Restrictions
0.55% - $500 -
Assemblies Of God
Restrictions
0.55% - $1,000 -
0.50% - $500 -
Mtcu
Restrictions
0.44% - $1,000 -
0.30% - $2,500 -
Go
Restrictions
0.30% - $1 -
Austin
Restrictions
0.15% - $1,000 -
Cy-fair
Restrictions
0.08% - $2,500 -
Texas
Restrictions
0.05% - $1,000 -
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION


Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

  • Money grows in a tax-advantaged way.
  • Funds are FDIC insured, just like a regular CD.
  • Interest rates on FIRAs are often higher than the same terms for a CD.
  • Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

  • Returns may not be as high as stocks, bonds, mutual funds.
  • Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).
  • If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

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