Invested in You

CUTX Members enjoy exclusive perks such as higher returns on CDs, checking accounts loaded with benefits, and commercial banking solutions. Click below to open your account today or talk with one of our account specialists.

Jeff Traylor Certified

Our members love banking with CUTX and our commitment to giving back to the community! Don't just take our word for it - hear why legendary former Gilmer High School football coach Jeff Traylor trusts CUTX!

Secure Plus Checking Account 

So what's the 'plus' factor in CUTX's Secure Plus Checking? Great question. There's money-saving discounts, free insurance coverage, member benefits and much more. Plus, as an East Texas resident, you get these exclusive benefits with no monthly service fee.*
  • Minimum opening deposit of just $25
  • Manage your money anytime through Online and Mobile Banking
  • Earns cash back 
  • Withdraw cash from a network of 80,000+ surcharge-free ATMs nationwide1
  • Health discount savings2
  • Travel and leisure services discounts2
  • Identity and theft monitoring services3
  • Credit report and credit score access4
  • Mobile phone protection5
  • Buyer's protection and extended warranty6
  • Accidental Death & Dismemberment Insurance5,7

Certificate of Deposit

Looking to give your savings a nice push in a positive direction? All it takes is the best CD Account rates and a little bit of time. 
CUTX is offering some of the best CD rates on the market. Just save for six months or a few years. Whatever time period you choose, certificates of deposit are a safe path to exceptional returns. 
East Texas Members, get special rates too!*
  • CD terms range from 6 to 60 months
  • Minimum opening deposit of $1,000
  • Certificates earn more than most traditional savings accounts
  • In general, longer term CDs pay higher rates

CD Rates by Term and Deposit Amount

With a minimum deposit of $1,000, get 3.60% Annual Percentage Yield (APY) for 60 months*

*The Annual Percentage Yields (APYs) are accurate as of October 12, 2022 and are subject to change.

$1,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $199,999.99 $200,000 - $249,999.99 $250,000 +

Interest Rate APY* Interest Rate APY* Interest Rate APY* Interest Rate APY* Interest Rate APY*
6 Month 2.47 2.50 2.47 2.50 2.72 2.75 2.96 3.00 3.20 3.25
12 Month 2.96 3.00 2.96 3.00 3.06 3.10 3.15 3.20 3.25 3.30
18 Month 3.20 3.25 3.20 3.25 3.20 3.25 3.25 3.30 3.45 3.50
24 Month 3.25 3.30 3.25 3.30 3.35 3.40 3.35 3.40 3.54 3.60
36 Month 3.35 3.40 3.35 3.40 3.64 3.70 3.64 3.70 3.64 3.70
48 Month 3.45 3.50 3.45 3.50 3.45 3.50 3.49 3.55 3.54 3.60
60 Month 3.54 3.60 3.54 3.60 3.54 3.60 3.54 3.60 3.59 3.65

CD accounts are term deposits that run as risk free investments

Commercial Solutions

Whether your business is small or large, CUTX provides the tools you need to run your business effortlessly. 

Unparalleled advantages of a business membership with CUTX:

  • Commercial Real Estate Loans
  • Farm and Agricultural Loans
  • Business Vehicle and Equipment Financing
  • Operating Lines of Credit
  • Business Credit Cards
  • Business Checking Accounts and Debit Cards
  • Merchant Card Services
For assistance in opening an account, call (903) 556-8051 or visit one of our Gilmer locations at 107 E Marshall St. or 755 US Hwy 271 N.

We're not building a bank, we're building a community.


*Valid for the following East Texas Market counties: Upshur, Harrison, Gregg, Smith, Wood, Camp, Morris, Marion.

1 Surcharge-free ATMs are available through AllPoint and MoneyPass networks. Visit or to ­find one near you.

2 Registration/activation required. Health Discount Savings is not insurance.

3 Eligibility: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.

4 You will have access to your credit report and score provided your information has been verified by the credit reporting agency (CRA). Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness.

5 Special Program Notes: Please refer to your actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

6 Electronic deposits are available up to 2 business days early depending on timing of receipt into our Automatic Clearing House (ACH) database. Member must be enrolled in direct deposit through their employer. Excludes International deposits.

7 Plateau Insurance Company of Crossville, TN will be the Accidental Death & Dismemberment Insurance underwriter. If you wish to name a beneficiary, a completed beneficiary form is required. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy.