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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 - July 21, 2019

Advertiser Disclosure
Credit UnionS APY Months MIN Miles?
3.50% 10 $50 -
3.15% 60 $1,000 -
Investex
Restrictions
3.13% 60 $50,000 -
Investex
Restrictions
3.03% 60 $1,000 -
Go
Restrictions
3.00% 60 $10,000 -
Investex
Restrictions
2.88% 24 $50,000 -
Security Service
Restrictions
2.80% 30 $50,000 -
Investex
Restrictions
2.78% 24 $1,000 -
Security Service
Restrictions
2.76% 30 $25,000 -
Security Service
Restrictions
2.75% 30 $25,000 -
Altra
Restrictions
2.75% 27 $1,000 -
Texas Bridge
Restrictions
2.75% 17 $10,000 -
Security Service
Restrictions
2.70% 30 $500 -
Go
Restrictions
2.60% 24 $1,000 -
Security Service
Restrictions
2.55% 15 $50,000 -
Security Service
Restrictions
2.50% 15 $25,000 -
Jsc
Restrictions
2.50% - $500 -
Altra
Restrictions
2.50% 10 $1,000 -
2.50% - $1,000 -
Alliant
Restrictions
2.50% - $1,000 -
Eastman
Restrictions
2.50% 18 $1,000 -
2.48% - $1,000 -
Security Service
Restrictions
2.45% 15 $500 -
2.45% - $1,000 -
Barksdale
Restrictions
2.43% - $1 -
Melrose
Restrictions
2.42% - $5,000 -
Energy One
Restrictions
2.40% 7 $100,000 -
Credit Human
Restrictions
2.40% - $500 -
Investex
Restrictions
2.38% 18 $50,000 -
2.38% - $500 -
2.35% 36 $1,000 -
River City
Restrictions
2.35% - $1,000 -
Beacon
Restrictions
2.35% - $1,000 -
Mil-way
Restrictions
2.35% - $2,500 -
First Community
Restrictions
2.35% - $500 -
Pantex
Restrictions
2.33% - $2,500 -
American Airlines
Restrictions
2.33% - $1,000 -
Great Plains
Restrictions
2.32% - $500 -
Synergy
Restrictions
2.32% - $1,000 -
2.32% - $500 -
Energy One
Restrictions
2.30% 7 $1,000 -
First Technology
Restrictions
2.30% - $500 -
Chevron
Restrictions
2.30% - $500 -
Members Choice
Restrictions
2.30% - $500 -
First Service
Restrictions
2.30% - $1,000 -
Investex
Restrictions
2.28% 18 $1,000 -
2.27% - $1,000 -
2.25% - $1,000 -
2.25% - $1,000 -
Go
Restrictions
2.25% 12 $1,000 -
Eecu
Restrictions
2.25% - $1,000 -
Eastman
Restrictions
2.25% 9 $1,000 -
2.25% - $1,000 -
Texell
Restrictions
2.25% - $1,000 -
2.23% - $500 -
Amoco
Restrictions
2.22% - $1,000 -
Randolph-brooks
Restrictions
2.22% 18 $1,000 -
Texas Bay
Restrictions
2.22% - $1,000 -
Shared Resources
Restrictions
2.17% - $5,000 -
Shell
Restrictions
2.15% - $500 -
2.15% - $1,000 -
Neighborhood
Restrictions
2.15% - $2,500 -
Texas Bay
Restrictions
2.12% 6 $50,000 -
Velocity
Restrictions
2.12% - $1,000 -
2.11% - $1,000 -
Energy One
Restrictions
2.10% - $500 -
People's Trust
Restrictions
2.10% - $1,000 -
2.10% - $1,000 -
2.10% - $1,000 -
2.10% - $1,000 -
Fort Worth City
Restrictions
2.10% - $1,000 -
Premier America
Restrictions
2.10% - $1,000 -
2.10% - $1,000 -
Advancial
Restrictions
2.09% - $1,000 -
Domino
Restrictions
2.08% - $500 -
2.07% - $1,000 -
2.05% - $250 -
Texas Trust
Restrictions
2.05% - $500 -
2.05% - $500 -
Mobiloil
Restrictions
2.02% - $1,000 -
A+
Restrictions
2.02% - $1,000 -
The People's
Restrictions
2.02% - $5,000 -
Bayer Heritage
Restrictions
2.02% - $500 -
Gecu
Restrictions
2.02% - $50 -
Centex Citizens
Restrictions
2.02% - $1,000 -
Cal-com
Restrictions
2.01% - $500 -
Greater Texas
Restrictions
2.00% - $1,000 -
Pentagon
Restrictions
2.00% - $1,000 -
Houston
Restrictions
2.00% - $500 -
Xceed Financial
Restrictions
2.00% - $500 -
Truwest
Restrictions
2.00% - $500 -
City
Restrictions
2.00% - $1,000 -
Eastman
Restrictions
2.00% - $1,000 -
Intouch
Restrictions
2.00% - $1,000 -
Randolph-brooks
Restrictions
1.97% - $1,000 -
1.97% - $1,000 -
1.97% - $1,000 -
Austin Telco
Restrictions
1.96% - $1,000 -
Texar
Restrictions
1.95% - $1,000 -
Texas Bay
Restrictions
1.92% 6 $1,000 -
Smart Financial
Restrictions
1.92% - $1,000 -
Windthorst
Restrictions
1.92% - $1,000 -
Security Service
Restrictions
1.90% - $500 -
Unity One
Restrictions
1.90% - $500 -
Educators
Restrictions
1.87% - $1,000 -
Genco
Restrictions
1.86% - $1,000 -
1.85% - $500 -
1.85% - $1,000 -
Air Force
Restrictions
1.85% - $1,000 -
Access Community
Restrictions
1.85% - $5,000 -
Geico
Restrictions
1.81% - $1,000 -
Neches
Restrictions
1.81% - $1,000 -
1.81% - $1,000 -
1.80% - $1,000 -
Truity
Restrictions
1.80% - $500 -
1.80% - $500 -
Endurance
Restrictions
1.80% - $500 -
Fivepoint
Restrictions
1.77% - $1,000 -
Justice
Restrictions
1.76% - $500 -
Ep
Restrictions
1.76% - $500 -
White Sands
Restrictions
1.76% - $1,000 -
Datcu
Restrictions
1.76% - $1,000 -
United Community
Restrictions
1.76% - $1,000 -
North East Texas
Restrictions
1.76% - $1,000 -
Union Square
Restrictions
1.76% - $1,000 -
Texasgulf
Restrictions
1.75% - $500 -
Unify Financial
Restrictions
1.75% - $1,000 -
Texoma Community
Restrictions
1.75% - $1,000 -
Delta Community
Restrictions
1.75% - $1,000 -
Education
Restrictions
1.75% - $5,000 -
One Source
Restrictions
1.71% - $1,000 -
First Central
Restrictions
1.70% - $1,000 -
Southland
Restrictions
1.66% - $25,000 -
Postel Family
Restrictions
1.61% - $1,000 -
Texoma Educators
Restrictions
1.59% - $1,000 -
Firstmark
Restrictions
1.55% - $500 -
Kelly Community
Restrictions
1.51% - $1,000 -
Dugood
Restrictions
1.51% - $1,000 -
Kerr County
Restrictions
1.51% - $1,000 -
Members First
Restrictions
1.51% - $500 -
1.50% - $500 -
University
Restrictions
1.50% - $1,000 -
Gulf Coast
Restrictions
1.50% - $500 -
Chemcel
Restrictions
1.50% - $1,000 -
Security Service
Restrictions
1.50% - $500 -
Resource One
Restrictions
1.50% - $1,000 -
Libertyone
Restrictions
1.46% - $1,000 -
Membersource
Restrictions
1.46% - $500 -
1.41% - $1,000 -
F A A
Restrictions
1.40% - $500 -
1.31% - $1,000 -
1.30% - $500 -
Baxter
Restrictions
1.30% - $500 -
Relyon
Restrictions
1.30% - $1,000 -
1.27% - $1,000 -
Texas Bridge
Restrictions
1.26% - $1,000 -
Texas Health
Restrictions
1.26% - $1,000 -
Investex
Restrictions
1.26% - $1,000 -
Primeway
Restrictions
1.25% - $1,000 -
Security Service
Restrictions
1.25% - $500 -
Border
Restrictions
1.25% - $1,000 -
Capitol
Restrictions
1.25% - $1,000 -
1.21% - $1,000 -
Wellspring
Restrictions
1.21% - $1,000 -
1.21% - $25 -
United Heritage
Restrictions
1.20% - $1,000 -
1.16% - $500 -
Altra
Restrictions
1.15% - $1,000 -
Community Service
Restrictions
1.15% - $1,000 -
1.11% - $1,000 -
Security Service
Restrictions
1.10% - $500 -
Nascoga
Restrictions
1.10% - $1,000 -
1.01% - $10 -
1.01% - $1,000 -
Concho Educators
Restrictions
1.00% - $500 -
1st Community
Restrictions
1.00% - $25 -
Lufkin
Restrictions
1.00% - $10,000 -
1.00% - $1,000 -
Rockdale
Restrictions
1.00% - $1,000 -
Texans
Restrictions
1.00% - $1,000 -
Members
Restrictions
1.00% - $1,000 -
Walker County
Restrictions
0.95% - $1,000 -
Mtcu
Restrictions
0.95% - $1,000 -
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 -
Lone Star
Restrictions
0.80% - $500 -
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 -
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.


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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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