Get on the Road to Retirement Goals

Open an Individual Retirement Account with several tax-deductible options that can help you achieve your retirement goals, faster.

See Rates Find a Branch

Types of IRAs


A traditional IRA is a savings account which allows you to defer taxes on your deposits until you withdraw at retirement (age 70½). Open a traditional IRA for as little as $50.

Information Resources
pdf icon Traditional IRAs - View PDF
pdf icon Transfers, Rollovers, and Conversions - View PDF

Roth IRA

A Roth IRA is a savings account; taxes are non-deductible and paid in the year earned. At retirement, withdrawals are tax-free. There is no requirement to begin withdrawals at age 70½.

Information Resources
pdf icon Roth IRA – View PDF
pdf icon Transfers, Rollovers, and Conversions - View PDF

Coverdell (Educational)

With a Coverdell IRA, parents can save for education expenses. Contributions are non-deductible; the withdrawals are tax-free and can be taken at any time.

Information Resources
pdf icon Coverdell ESAs - View PDF

IRA Certificates

An IRA Certificate earns higher dividends and is available for as little as $1,000.

More Resources:

Retirement Plan Options - PDF IRA and Retirement Plan Distributions - PDF Traditional and Roth IRAs - PDF

Consult with your tax advisor for further information. Dividends calculated on daily balance and paid monthly. Early withdrawals are subject to penalty.

Frequently Asked Questions:



We do not offer ATM cards; however, we can open a Checking account with a debit card providing ATM access to both Savings and Checking accounts.

Yes. These payments (which you might know as “ACH” or “EFT” transactions) follow Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored, and you will receive a notice by mail and incur a nonsufficient funds charge. To avoid this situation, make automatic payments using a checking account. Contact the merchant to arrange this change and be aware that your request could take more than a month to go into effect. Alternatively, consider using Bill Payment in Online Banking to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.

No. There Is no fee to join!

Deposits sent to your account using your routing and account number normally take up to 2 business days to post on your account. We advise you reach out to the sender to verify the account information the funds were sent to and when it was sent. You may contact us at 361-986-4500 or 1-800-622-3631 Monday-Friday 8:00 a.m.-5:00 p.m. or Saturday 9:00 a.m.-1:00 p.m. for further assistance with your request.

This may be due to Regulations D. Reg D means no more than six (6) transfer or withdrawals per calendar month to another account of the member's by means of preauthorized or automatic transfer or telephonic agreement or to a third party.

Transactions that count as one of the six:

  1. Account to account transfers by telephone (whether by calling the Credit Union or using our audio response system)
  2. Overdraft protection
  3. Checks to third parties
  4. ACH Debits
  5. Automatic sweep (auto transfer from account to account on any designated day)
  6. Transfers to third party accounts

You will be able to transfer out of your savings account electronically on the 1st of the following month.  You may still conduct transactions in person at an ATM or any branch out of your savings account.

Still have questions? Visit our Help Center.