Individual Retirement Accounts

Whether retirement is around the corner or far in the distance, an individual retirement account (IRA) with Texans can help you save for your retirement and secure your future. We offer both traditional and Roth IRAs to help your retirement savings grow.

  Traditional IRA Roth IRA
Earnings Tax-deferred until withdrawal* Tax-free at withdrawal*
Contributions Tax-deductible for some members2 Not tax-deductible
Account Types Available as IRA share or CD account Available as IRA share or CD account
Withdrawal Age Can begin at 59½
Mandatory withdrawals at 70½
Can begin at 59½
No Mandatory withdrawals at 70½
Withdrawals Taxed at time of withdrawal* Tax-free, if qualified*,3
Early Withdrawals Subject to service charge and/or tax penalty1 Subject to service charge and/or tax penalty1
Principal contributions can be withdrawn without penalty*
Funds Insured
Yes Yes


Our Current Rates


For more information on Texans' Individual Retirement Accounts or for assistance choosing the right account for you, contact us at 972.348.2000 (800.843.5295) or visit your local Texans branch.



* Consult a tax advisor
1 Some exceptions apply. Ask a Texans representative for details.
2 Amount of contribution that is tax deductible may be limited if you're covered under an employer's retirement plan. Ask a Texans representative for details
3 Ask a Texans representative for details on qualified withdrawal requirements.


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Texans CU Routing # 311987786
24-Hour Account Access Line: 972.348.2001 (800.843.6426)

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