Holiday Savings

A little extra money makes the holidays merrier for everyone. Start saving now to celebrate a season of surprises later, whether you celebrate in North Texas or elsewhere.

What’s your Christmas wish? Our holiday savings account can help make it come true.

  • Use money to buy extra gifts for family or throw a fancy party for friends
  • Save year-round to create special moments with loved ones
  • Open with a $25 minimum deposit
  • Withdraw money between November 1 and January 31 without a fee
  • Earn dividends when your average daily balance is more than $100
  • Enhanced controls in our app (available on iOS & Android) let you report a lost/stolen card, order a new one and keep your card active when you travel1

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

Open Online

Your time can be as valuable as your money. It only takes a few minutes to open your new savings account.

Plant The Seed

It takes just $25 to get started. After that, the sky's the limit as your money grows.

Digital Banking

Use our mobile app to easily deposit checks and access lots of helpful personal financial tools online to keep on track.

Find the account that fits you.

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Financial Calculators

General Savings FAQs

It's not much. All you need is $25 to open your Holiday Savings Account and begin enjoying all we offer.
Our holiday savings accounts has a required minimum balance of $5.

Keep in mind, you can withdraw money between November 1 and January 31 without a fee.
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. If you withdrawal funds any time other than November 1st – January 31st, there is a $10.00 fee per transaction.


I’ve been a member for almost 30 years, I can’t imagine banking anywhere else. You’re more than another account at CUTX, you’re a member, you’re a family.
Elsa H.
I always feel like I’ve been given the best advice for me and my family. They really do put their members first.
Sonya M.

Friendly and attentive staff. Paydays come early and the fact that they care for the little guys is definitely my favorite thing about this bank. Definitely the go-to-spot if you’re interested in growing your financial reach.

Xavier H.

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Open online now or get started if you need assistance with account opening.

1 When you place a lock on your debit card via Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. However, the lock may not stop card transactions presented as a new recurring transaction by the merchant or the posting of refunds, reversals or credit adjustments to your account. Additionally, transactions and authorizations that occurred prior to locking the card will not be affected. During card processor limited down time, purchases may be approved due to the lock restriction not being enforced by the stand in processor. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Data connection required. Locking your card is not a replacement for reporting your card lost or stolen. Contact us immediately at 1-800-314-3828 if you believe that unauthorized transactions have been made. Alerts may be sent to you in the form of an e-mail or text message. Your mobile carrier’s standard text-messaging and data rates will apply.