Retirement

With as little as $50, you can open up an IRA account that pays a high quarterly dividend. It is an open-ended account that you can contribute to at your own convenience. There are no service charges and no annual fees. If you wish, you can direct all or part of your IRA into an IRA Term Share Certificate. This enables you to earn the highest return possible with terms from six months to five years. 


Traditional IRA-Savings (Share)

An individual Retirement Account, or IRA, is a tax-sheltered savings program.

  • It is an individual account and cannot have a joint owner.
  • It is a tax-favored investment that is ideal for buildings savings that will supplement a participant's Social Security and company pension benefits.
  • Earnings are always tax-deferred until withdrawn.
  • Interest earned on an IRA is not included on the 1099-INT statement the member will receive for other interest-bearing accounts.
  • Regular contributions may be tax-deductible, which means it reduces the contributor's taxable income in the year for which they made the contribution.

For IRA-Savings, refer to Truth-in-Savings Share and Share Draft Disclosures for complete list of terms and penalties.


Traditional IRA-CD (Term Share Certificate)

An individual Retirement Account, or IRA, is a tax-sheltered savings program.

  • It is an individual account and cannot have a joint owner.
  • It is a tax-favored investment that is ideal for buildings savings that will supplement a participant's Social Security and company pension benefits.
  • Earnings are always tax-deferred until withdrawn.
  • Interest earned on an IRA is not included on the 1099-INT statement the member will receive for other interest-bearing accounts.
  • Regular contributions may be tax-deductible, which means it reduces the contributor's taxable income in the year for which they made the contribution.

For IRA-CD, refer to Truth-in-Savings Term Share Certificate Disclosure for complete list of terms and penalties.


Roth IRA-CD (Term Share Certificate)

An individual Retirement Account, or IRA, is a tax-sheltered savings program.

  • Iis an individual account and cannot have a joint owner.
  • It is a tax-favored investment that is ideal for building savings that will supplement a participant's Social Security and company pension benefits.
  • Earnings are always tax-deferred until withdrawn.
  • Interest earned on an IRA is not included on the member's 1099-INT statement.
  • Earnings may be withdrawn tax-free if the owner has a qualified distribution: the IRA owner is 59 1/2 or older, is disabled, is deceased, or the distribution qualifies as a first-time home purchase, AND the IRA owner has had a Roth IRA for 5 years.
For Roth IRA-CD, refer to Truth-in-Savings Term Share Certificate Disclosure for complete list of terms and penalties.


To open an IRA account, login to your home or Mobile banking. You can also contact our eBanking Center at (915) 593-5866 or toll free at 1-888-373-3281.

Adding To Your Security

Your savings are insured up to $250,000 per member by the National Credit Union Administration, a U.S. Government Agency.

We invite all who live, work, worship, or attend school in El Paso County, Texas and Dona Ana County, New Mexico to take advantage of the services we offer!

Apply Today