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IRAs

These really can be the best years of your life.

Good retirement planning can lead to the best years of your life.
Retirement planning.  It sounds complicated, but it can be smooth and easy.  Open a tax-advantaged account, add to it whenever possible - and daydream about the things you'll do someday with your sizable savings and all that free time!
  • Save for retirement with Texas Bank and Trust Certificates of Deposit, which are low-risk investments with a fixed rate of return*
  • Traditional and Roth IRAs available
  • Contribute up to $6,000 per year ($7,000 if over age 60)
  • With Traditional IRAs, you may be able to take an income tax deduction each year you make a contribution
  • With Roth IRAs, all withdrawals are tax-free
  • Consult your tax advisor for more details
Investment Options
If you have an IRA account at TBT, you can invest in short-term and long-term CDs.  We also offer options for individuals who deposit more than $100,000.

Short Term

a young family sitting in their new home
  • Minimum deposit of $100
  • No annual fee
  • Choose CD terms ranging from 90 days to one year
  • Interest compounded daily and credited quarterly*
  • Can be automatically renewed at maturity
  • CDs of one year or less carry a 30-day interest penalty if funds withdrawn prior to maturity
  • Deposits insured by FDIC

Long Term

an elderly couple dancing in their kitchen
  • Minimum to open of $100
  • No annual fee
  • Choose CD terms ranging from one year to five years
  • Interest compounded daily and credited quarterly*
  • Can be automatically renewed at maturity
  • CDs over one year carry a 90-day interest penalty if funds are withdrawn prior to maturity
  • Deposits insured by FDIC

Jumbo

bakery couple
  • Minimum to open of $100,000
  • No annual fee
  • Choose CD terms ranging from 90 days to five years
  • Interest compounded daily and credited quarterly*
  • Can be automatically renewed at maturity
  • CDs for one year or less carry a 30-day interest penalty if funds are withdrawn prior to maturity
  • CDs over one year carry a 90-day interest penalty if funds are withdrawn prior to maturity
  • Deposits insured by FDIC








































*Contact your TBT branch for rate information.
Texas Bank and Trust is a fiercely independent, community bank with full service locations throughout east and north Texas.