Savings

What are you saving for?

Whether you're saving for a down payment on a house, a family vacation or "just in case," we have an account that can help you reach your financial goals. Every Texans CU member must first open a Share Account - and in addition to saving money, you'll have access to all of the products and services we offer! If you're already a member, you can open additional savings and money market accounts, too.

With any of our savings (share) accounts, you'll enjoy:

  Share
(includes
$avar Kids Club)
Travel Share Texans
Money Market
Performance
Money Market
Education Savings
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Minimum Deposit to Open: $25 $25 $2,500 $10,000 $50
Dividends: Variable, based on daily balance Variable, based on daily balance Variable, based on daily balance Variable, based on daily balance Variable, based on daily balance
Minimum Balance to Earn Dividends: $25
Current Rates
Any balance
Current Rates
Any balance
Current Rates
Any balance
Current Rates
Any balance
Current Rates
Monthly Service Charge: None None $10 $10 None
How to Waive Service Charge: N/A N/A Maintain a minimum daily balance of $2,500+ Maintain a minimum daily balance of $10,000+ N/A
Single Service Fee3: $5 N/A N/A N/A N/A
How to Waive Single Service Fee: Maintain another Texans account OR maintain an average daily balance of $100+ N/A N/A N/A N/A
Extra Benefits:
  • Free check cashing with direct deposit
  • Can be used for Overdraft Protection on a checking account
  • $avar Kids Club members (ages 10 and under) earn prizes when they deposit money and fill their Kids Club Card
N/A
  • Personalized Money Market checks
  • Free check cashing with direct deposit
  • Electronic check images via Online Banking
  • Can be used for Overdraft Protection on a checking account
  • Personalized Money Market checks
  • Free check cashing with direct deposit
  • Electronic check images via Online Banking
  • Can be used for Overdraft Protection on a checking account
  • Earnings are tax-free if used for a qualified education expense1
  • Contributions up to $2,000 annually per child2
Savings Withdrawal Limit Fee*: First six Reg D* withdrawals or transfers out of this account per monthly statement period at no charge. $10 for each Reg D withdrawal or transfer out thereafter.
Unlimited transactions by Texans ATM, in person, or by mail.   
 N/A
(Penalty for early withdrawal)
Additional Requirements: Must maintain a minimum daily balance of $25 in your account. If you fail to maintain the minimum daily balance, your account may be subject to closure. N/A N/A N/A N/A
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Other Possible Fees: Fee Schedule 

 

For questions about any of our savings (share) accounts or for assistance choosing the right account for you, give us a call at 972.348.2000 (800.843.5295) or visit your local branch.

 

* Per federal regulations, the maximum number of remote transactions that can be made each calendar month on Money Market and Share Accounts is six (6) per account. The limit of six (6) transactions includes withdrawals and/or transfers on a member’s Share Account or Money Market Account made by check, draft, debit card, PC, Telephone Access Line, Online Banking, telephone or written instruction. Transactions made in person, by mail or at an ATM are not counted toward this limit.
1. Withdrawals that are not used for educational expenses are subject to tax and a 10% additional tax penalty of the earnings. The principal is not subject to tax or penalty.
2. The contributor’s Modified Adjusted Gross Income (MAGI) cannot exceed the allowed limits.
3. The single service fee is assessed against your share account if you have no other loan or deposit accounts, AND your share account's average daily balance is less than $100. See our membership account agreement for details.

 

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

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