Savings Account

Take aim at a brighter tomorrow. Start a savings plan to cover expenses, carry out plans and chase down your dreams.

A savings account is a key piece of a solid financial foundation. Start with a low $5 opening deposit and build up from there.

  • Be prepared for expenses that pop up in the future
  • Manage your accounts easily through Online and Mobile Banking
  • Save for vacations, college costs, home improvements and major purchases
  • Dip into your savings up to 12 times each year

Questions? We can help.

Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

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Exclusive Benefits Include

Are you eligible for membership? See our Membership Eligibility

Online Banking

Move money, monitor progress, set up recurring transfers, and get spending alerts, quickly and easily.

Automatic Deposits

Fast-track your savings success by arranging to have some of your paycheck deposited directly into savings.

No Monthly Fees

Every dollar that stays in your account is one that you can put to great use sometime down the road.

Overdraft Protection1

Set up a safety net for your finances by using your savings account to cover overdrafts from checking.

Build Credit

Use your savings to back a Savings Secured Loan. It's ideal if you need to build or repair your credit.

Plan Ahead

Putting a solid savings plan in place prepares for whatever life brings. You can always lean on savings.

Find the account that fits you.

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Get a good look at where you are and where you're going next.

Financial Calculators

General Savings FAQs

It's not much. Just keep at least $5 in your Share Savings Account to continue enjoying all we offer.

Most of them don't, one does. For the Share Savings Account, you'll need to keep at least $50 on deposit to avoid a $5 service fee; otherwise, our savings account have no required minimum balance to avoid fees.

Keep in mind, if you make more than 12 withdrawals on any of our savings account, a $5 fee per extra withdrawal may be charged.

We want to make it as easy as possible for you to start saving and strengthen your finances. For the Share Savings Account and Kids Account, all it takes is a $5 deposit to open the accounts. For Holiday Savings and Member's Choice, you'll need to deposit at least $25.

Interest is variable and may change with the prime interest rate.

Yes! You can make up to twelve (12) withdrawals per calendar year without incurring a withdrawal fee. The timing and amount of those transactions is entirely up to you.


I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.

Laretha S.
The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.
Never a issue always friendly and as you walk in the gentleman at the door greets you with awesome customer service. Always on point.
Mr. C.

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1An overdraft fee may be imposed for covering overdrafts created by check or electronic funds transfer, including debit card transactions and Automated Clearing House transactions. If sufficient funds are not available, then any such item presented may be returned to the payee due to non-sufficient funds and all applicable fees may be charged to your Account as set forth in the Truth-In-Savings Fee Schedule.