You are viewing fixed rate ira rates across Texas

Texas Credit Union IRA CD Rates 2020

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 - February 20, 2020

Advertiser Disclosure
Credit UnionS APY Months MIN Miles?
Sponsored Advertiser Disclosure
Resource One
Restrictions
3.04% 32 $1,000 -
Melrose
Restrictions
2.42% - $5,000 -
Texar
Restrictions
2.25% - $1,000 -
Cal-com
Restrictions
2.21% - $500 -
American Airlines
Restrictions
2.07% - $1,000 -
2.05% - $500 -
Eastman
Restrictions
2.05% - $1,000 -
Premier America
Restrictions
2.05% - $1,000 -
2.02% 29 $1,000 -
Centex Citizens
Restrictions
2.02% - $1,000 -
Energy One
Restrictions
2.00% 13 $100,000 -
2.00% - $1,000 -
Shell
Restrictions
2.00% - $500 -
Beacon
Restrictions
2.00% - $1,000 -
2.00% - $1,000 -
Domino
Restrictions
1.99% - $500 -
Delta Community
Restrictions
1.99% - $1,000 -
1.97% - $500 -
Pantex
Restrictions
1.92% - $2,500 -
Barksdale
Restrictions
1.92% - $1 -
Datcu
Restrictions
1.92% - $1,000 -
1.92% - $1,000 -
Energy One
Restrictions
1.90% 13 $500 -
Jsc
Restrictions
1.90% - $500 -
1.90% - $1,000 -
1.90% - $1,000 -
1.89% - $1,000 -
Educators
Restrictions
1.87% - $1,000 -
Go
Restrictions
1.85% 60 $1,000 -
Houston
Restrictions
1.85% - $500 -
1.85% - $1,000 -
1.85% - $1,000 -
First Community
Restrictions
1.85% - $500 -
Great Plains
Restrictions
1.81% - $500 -
The People's
Restrictions
1.81% - $5,000 -
Genco
Restrictions
1.81% - $1,000 -
1.81% - $1,000 -
1.81% - $1,000 -
Chevron
Restrictions
1.80% - $500 -
Credit Human
Restrictions
1.80% - $500 -
Fort Worth City
Restrictions
1.80% - $1,000 -
1.80% - $100 -
Texas Trust
Restrictions
1.80% - $500 -
Advancial
Restrictions
1.78% - $1,000 -
Fivepoint
Restrictions
1.77% - $1,000 -
Justice
Restrictions
1.76% - $500 -
Mobiloil
Restrictions
1.76% - $1,000 -
Neches
Restrictions
1.76% - $1,000 -
North East Texas
Restrictions
1.76% - $1,000 -
Energy One
Restrictions
1.75% - $500 -
Go
Restrictions
1.75% 24 $1,000 -
First Technology
Restrictions
1.75% - $500 -
1.75% - $1,000 -
Texoma Community
Restrictions
1.75% - $1,000 -
Neighborhood
Restrictions
1.75% - $2,500 -
Eecu
Restrictions
1.75% - $1,000 -
Intouch
Restrictions
1.75% 7 $1,000 -
Amoco
Restrictions
1.71% - $1,000 -
Union Square
Restrictions
1.71% - $1,000 -
Energy One
Restrictions
1.70% 7 $100,000 -
River City
Restrictions
1.70% - $1,000 -
1.70% - $250 -
1.70% - $1,000 -
First Central
Restrictions
1.70% - $1,000 -
Smart Financial
Restrictions
1.70% - $1,000 -
Membersource
Restrictions
1.70% - $500 -
Texell
Restrictions
1.70% - $1,000 -
1.68% 13 $1,000 -
Kelly Community
Restrictions
1.66% - $1,000 -
First Service
Restrictions
1.65% - $1,000 -
Postel Family
Restrictions
1.61% - $1,000 -
Ep
Restrictions
1.61% - $500 -
Texas Bay
Restrictions
1.61% - $1,000 -
Energy One
Restrictions
1.60% 7 $1,000 -
Pentagon
Restrictions
1.60% - $1,000 -
Texasgulf
Restrictions
1.60% - $500 -
Air Force
Restrictions
1.60% - $1,000 -
1.60% - $500 -
Xceed Financial
Restrictions
1.60% - $500 -
Access Community
Restrictions
1.60% - $5,000 -
Intouch
Restrictions
1.60% - $1,000 -
Unify Financial
Restrictions
1.58% - $1,000 -
Velocity
Restrictions
1.56% - $1,000 -
1.56% - $500 -
Altra
Restrictions
1.55% 31 $1,000 -
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 -
Geico
Restrictions
1.51% - $1,000 -
Bayer Heritage
Restrictions
1.51% - $500 -
Windthorst
Restrictions
1.51% - $1,000 -
Gecu
Restrictions
1.51% - $50 -
Texas Bridge
Restrictions
1.51% - $1,000 -
Libertyone
Restrictions
1.51% - $500 -
Members First
Restrictions
1.51% - $500 -
Greater Texas
Restrictions
1.50% - $1,000 -
University
Restrictions
1.50% - $1,000 -
Go
Restrictions
1.50% 12 $1,000 -
Truity
Restrictions
1.50% - $500 -
Gulf Coast
Restrictions
1.50% - $500 -
Chemcel
Restrictions
1.50% - $1,000 -
Endurance
Restrictions
1.50% - $500 -
Members Choice
Restrictions
1.50% - $500 -
City
Restrictions
1.50% - $1,000 -
Southland
Restrictions
1.46% - $25,000 -
1.46% - $1,000 -
Randolph-brooks
Restrictions
1.46% - $1,000 -
Firstlight
Restrictions
1.45% - $500 -
Austin Telco
Restrictions
1.41% - $1,000 -
White Sands
Restrictions
1.41% - $1,000 -
Relyon
Restrictions
1.41% - $1,000 -
Security Service
Restrictions
1.40% 15 $50,000 -
Truwest
Restrictions
1.40% - $500 -
United Community
Restrictions
1.40% - $1,000 -
Resource One
Restrictions
1.40% - $500 -
Shared Resources
Restrictions
1.38% - $5,000 -
A+
Restrictions
1.35% - $1,000 -
Security Service
Restrictions
1.35% 15 $25,000 -
Altra
Restrictions
1.35% 13 $1,000 -
One Source
Restrictions
1.31% - $1,000 -
1.31% - $1,000 -
Security Service
Restrictions
1.30% 15 $500 -
Firstmark
Restrictions
1.30% - $500 -
Baxter
Restrictions
1.30% - $500 -
1.29% - $500 -
Texas Health
Restrictions
1.26% - $1,000 -
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 -
1.21% - $1,000 -
1.21% - $1,000 -
1.21% - $25 -
Wellspring
Restrictions
1.21% - $1,000 -
Security Service
Restrictions
1.20% - $500 -
United Heritage
Restrictions
1.20% - $1,000 -
Mtcu
Restrictions
1.19% - $1,000 -
1.16% - $500 -
Security Service
Restrictions
1.15% - $500 -
F A A
Restrictions
1.10% - $500 -
1.06% - $1,000 -
1.05% - $500 -
Education
Restrictions
1.05% - $1,000 -
1.01% - $10 -
1.01% - $1,000 -
1.00% - $1,000 -
Texoma Educators
Restrictions
1.00% - $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 -
1.00% - $1,000 -
Members
Restrictions
1.00% - $1,000 -
Security Service
Restrictions
0.95% - $500 -
Walker County
Restrictions
0.95% - $1,000 -
Investex
Restrictions
0.95% - $1,000 -
Security First
Restrictions
0.90% - $1,000 -
1st Community
Restrictions
0.90% - $25 -
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 -
Golden Triangle
Restrictions
0.75% - $1,000 -
0.75% - $1,000 -
0.75% - $1,000 -
0.65% - $2,500 -
0.60% - $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 -
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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates