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CDs & IRAs

Give us some time. We'll help grow your money.

Make plans. Dream big. Then take some Texas-sized steps toward making it all happen. With Certificates of Deposit, you can save for months or years - and be dead solid certain that you'll end up with way more cash for that new truck, a special trip or anything else on your bucket list.

With our Individual Retirement Accounts, you might be looking decades down the line, toward a time when you declare independence from the day job. Start saving now, enjoy some potential tax benefits - and when the time comes, you'll have enough on hand to live exactly the way you want.

Certificates of Deposit

  • Choose CD terms ranging from six months to 5 years
  • Earn more than you would with most traditional savings accounts
  • In general, longer-term CDs pay higher interest
  • Track growing balances with Spirit of Texas Bank Online Banking and Mobile Banking
  • CD balances can often be used as collateral for loans

Individual Retirement Accounts

  • Contribute up to $6,000 (up to $7,000 if you're over age 50)
  • Choose a Traditional IRA or a Roth IRA
  • Earn competitive interest
  • With a Traditional IRA, you might be eligible for tax deductions each year you make a contribution
  • With a Roth IRA, your money grows tax-free and you pay no taxes when you make withdrawals
  • Consult your financial advisor for more information on IRA tax advantages
  • IRA funds can often be used as collateral for loans
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Why Spirit of Texas Bank? 

  • Strongly focused on customer service. 
  • World-class banking services. 
  • Firm Texas roots.