
CUTX Has The Best IRA Rates in Texas
Make your plan for retirement savings with a high yield, risk free investment.

Wondering how to save for retirement?
Sit back & relax, or set out on new adventures. With the help of an IRA, you can afford to save for your dream retirement.
- Choose Traditional or Roth IRAs
- Open Traditional or Roth IRAs for just $1,000
- Contribute up to $6,000 a year ($7,000 if you're over age 50)
- Accelerate your savings progress by investing in our IRA Certificates of Deposit
- Ask about our Education IRAs - also known as Coverdell Education Savings Accounts - that can help cover college costs
Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

Talk to an IRA Investment Specialist
(214) 818-3231

Get a personalized IRA investing consultation.
IRA Rates
*The Annual Percentage Yields (APYs) are accurate as of May 6, 2025 and are subject to change.
We offer the following IRA's:
Educational IRA
Roth/Traditional IRA
IRA Certificate of Deposit
Get a good look at where you are and where you're going next.
Exclusive Benefits Include
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General Individual Retirement Account FAQs
Just make an appointment to visit your nearest CUTX location we'll set you up to save. CUTX cannot give Tax Advice as each situation will be different. Please seek Tax Advice prior to making any decisions.
There's some paperwork involved with this, so please stop by the nearest CUTX location to make a contribution.
For current year contribution limits, please visit the IRS Website.
Recurring contributions can be made to an IRA Accumulator only. To complete the proper form please contact us and request the transfer form to initiate the transfer process. Remember to consult a Tax Professional regarding the tax implications of making frequent contributions to your IRA.
Funds can only be deposited into an IRA CD at maturity. Any additional contribution requests would require a new IRA CD to be opened, or you may deposit to an IRA accumulator until the current CD matures. Remember to consult a Tax Professional regarding the tax implications of making contributions into an IRA.
Once you reach age 72, the Internal Revenue Service requires a minimum distribution of at least once per year.
Your IRA funds will be passed to your beneficiaries, so be sure to keep your list of beneficiaries up to date. IRA funds are separate from your membership account and require a separate beneficiary form.
CUTX
ATTN: IRA DEPARTMENT
PO BOX 7000
ALLEN, TX 75013
Why CUTX?
We're Here To Help
Visit your local branch
We have several locations in DFW and East Texas. Come see us!
Talk to a team member
Need to speak with someone directly? We have options for that.
(214) 818-3231
*APY (Annual Percentage Yield) assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawals.
1. To withdraw from a Roth IRA, the account must meet the following requirements; minimum 5 year holding period, must be 59 ½ years of age or older, or one of the following exceptions: first-time home purchase, college expenses, and birth or adoption expenses.