Life after retirement can be sweeter with an IRA
Explore a variety of options to meet your financial goals – from Traditional and Roth IRAs to a SEP IRA, easily start saving today!
Benefits You'll Love
- Easily compare Traditional vs Roth IRA benefits
- Earn competitive dividends
- Choose from a wide range of terms
- No minimum, no term option available
Your retirement is within reach.
Individual Retirement Accounts (IRAs) are designed to help you save for life after retirement. At Texasgulf FCU, we offer a variety of options, including our Traditional IRA, Roth IRA, or SEP IRA (Simplified Employee Pension Plan). You can even transfer your entire 401K or other qualified retirement plan into a Traditional IRA without having to pay any penalties. For more information about SEP IRAs, click here.
IRA Share Savings
Texasgulf offers a share savings Individual Retirement Account (IRA) that can help you build toward your retirement. This account can be opened for Traditional IRA or Roth IRA.
- Control your investment by making periodic contributions throughout the year
- Deposits can be made through Direct Deposit or Payroll Deduction
- No minimums, no terms!
- When your balance builds you can move qualifying funds into a higher yielding IRA Share Certificate for terms of 6 months to 5 years
IRA Share Certificates
Texasgulf offers IRA share certificates for terms from 6 months to 5 years. This account can be opened for Traditional IRA or Roth IRA. These certificates help you earn competitive high yield rates that are growing tax deferred throughout the term of the certificate.
- Earn higher dividends by investing in flexible terms of 6 months to 5 years
- Only $500 needed to open and earn dividends
- Competitive dividend rates
- Dividends are compounded and posted monthly
- Certificate automatically renews at maturity
One of the best gifts you can give them is an education.
A Coverdell ESA is a great way to help the child in your life achieve a bright future. It can help pay for your child's educational expenses, such as tuition, fees, books and equipment.
- Earnings grow on tax deferred basis
- Tax-free earning distributions
- Yearly contributions up to $2,000 per child
- Anyone, family or non family member, can contribute to ESA
- Contributions can be made until the age of 18*
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
IRA Share Certificates
| Term | Rate | APY |
|---|---|---|
| 6 Month | 3.929% | 4.00% |
| 12 Month | 4.169% | 4.25% |
| 18 Month | 3.832% | 3.90% |
| 36 Month | 3.446% | 3.50% |
| 48 Month | 3.446% | 3.50% |
| 60 Month | 3.446% | 3.50% |
Minimum of $500.00 required to open an IRA Share Certificate.
IRA Shares
| Balance | Rate | APY |
|---|---|---|
| $0.01 - $4,999.99 | 0.20% | 0.20% |
| $5,000.00+ | 0.40% | 0.40% |
Kasasa Cash*
| Balance | Rate | APY |
|---|---|---|
| 0 - $20,000 | 5.84% | 6.00% |
| $20,000+ | 0.99% | 6.00% to 1.83% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
- Use your Texasgulf FCU Debit Card at least 12 times per month
- Sign up for eStatements
- Sign up and log into Online Banking at least once per month
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| 0 - $25,000 | 1.98% | 2.00% |
| $25,000+ | 0.80% | 2.00% to 0.50% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
- Use your Texasgulf FCU Debit Card at least 12 times per month
- Sign up for eStatements
- Sign up and log into Online Banking at least once per month
Loan Rates
| Term | Rates start as low as |
|---|---|
| New or used vehicle up to 36 months. | as low as 4.49% |
| New or used vehicle up to 48 months | as low as 5.89% |
| New or used vehicle 49 - 72 months | as low as 6.39% |
| New vehicle up to 84 months | as low as 7.00% |
| Personal loans | as low as 8.95% |
| Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months | as low as 6.99% |
| Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. 49 to 72 months | as low as 7.99% |
| Large collateral items Please call for more information 84 to 180 months | as low as 8.25% |
| MasterCard® | as low as 7.99% |
| Secured MasterCard® | 12.00% |
| Share Secured | 3.25% |
| Certificate Secured | Certificate rate + 1.25% |
Rates are based on your credit worthiness and may be higher than the rates listed above. Please check with your loan officer for your exact rate.
Money Market Account
| Balance | Rate | APY |
|---|---|---|
| $0.01 - $1,999.99 | 0.00% | 0.00% |
| $2,000.00 - $9,999.99 | 0.50% | 0.50% |
| $10,000.00 - $49,999.99 | 1.00% | 1.00% |
| $50,000.00+ | 1.74% | 1.75% |
Minimum balance of $2,000.00 required to open and earn dividend.
Share Certificates
| Term | Rate | APY |
|---|---|---|
| 6 Month | 3.929% | 4.00% |
| 12 Month | 4.169% | 4.25% |
| 18 Month | 3.832% | 3.90% |
| 36 Month | 3.446% | 3.50% |
| 48 Month | 3.446% | 3.50% |
| 60 Month | 3.446% | 3.50% |
Minimum of $500.00 required to open a share certificate.
Shares
| Balance | Rate | APY |
|---|---|---|
| $25.00 - $499.99 | 0.10% | 0.10% |
| $500.00 - $4,999.99 | 0.15% | 0.15% |
| $5,000.00 - $24,999.99 | 0.15% | 0.15% |
| $25,000.00+ | 0.20% | 0.20% |
