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Certificate & IRA Accounts

We provide our members with a better strategy for managing their assets. Prepare for retirement with an Individual Retirement Account (IRA) at Texans. Each account has different advantages – tax-deferred or tax-free growth. CDs will have higher dividends and fixed rates.

Standard Certificate Account

A Texans Standard Certificate is an easy way to start building your savings, with a low minimum balance and guaranteed returns.

  • Terms from 3 months up to 5 years
  • $500 minimum balance to open and earn
  • Interest earnings paid monthly
  • Automatic renewal


Jumbo Certificate Account

For those looking for more growth potential, a Texans Jumbo Certificate offers more robust earnings while keeping your money secure.

  • Terms from 3 months up to 5 years
  • $100,000 minimum balance to open and earn
  • Interest earnings paid monthly
  • Automatic renewal


Traditional IRA – Tax-Deferred

Contributions1 toward your retirement may be tax deductible2, and your earnings are tax-deferred until withdrawal.This means you only pay taxes on your retirement savings when you withdraw money from your account.4

Roth IRA – Tax-Free Growth

Roth IRAs differ from traditional IRAs because you make contributions1 with money you’ve already paid taxes on. This means your earnings can grow tax-free.2,4,5

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^APY (Annual Percentage Yield). APY is accurate as of 03/18/2024. Required minimum balance to open and earn stated yield is $500 for Standard Certificate Account and $100,000 for Jumbo Certificate Account. Certificate rates are dependent on the term selected and may change at any time without prior notice. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest on your account will be compounded and credited on a monthly basis. For Certificate of Deposits, you will be paid the rate disclosed for the entire term of the Certificate. Certificates will renew automatically and have a grace period of ten (10) calendar days after the maturity date to withdraw funds. If the balance on a Jumbo Certificate Account falls below the minimum balance requirements, it will automatically renew to a Standard Certificate Account. Early withdrawal penalties may apply to Certificates of Deposit and could reduce earnings on the account.
1Amount of contribution that is tax deductible may be limited. Ask a Texans representative for details.
2Consult a tax advisor
3Mandatory withdrawals begin at age 73
4Withdrawals may be subject to service charge and/or tax penalty. Some exceptions apply. Consult a Texans representative for qualified withdrawal requirements. 
5Principal contributions may be withdrawn without penalty after required time period.

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