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
Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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Share Certificate CalculatorDisclaimer

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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • 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%