Important Security Reminder

Please do not share sensitive information by phone or text message. If you are ever unsure whether a communication is legitimate, contact Texas Heritage National Bank directly at (903) 645-2251. Remember: Texas Heritage National Bank will never ask for sensitive account or debit card information by phone or text message.

Individual Retirement Accounts

Grow your retirement with confidence.

At Texas Heritage National Bank, we offer interest-bearing IRA accounts designed to help you prepare for retirement with confidence and stability.

Whether you're just starting to save or looking to protect what you've already built, our IRAs give you a simple, secure place to grow your retirement funds.

Open an Account  ↗  Find a Branch 


Interest Rates

Term Length

Minimum to Open

APR

APY

12 Months

$1000

3.74%

3.80%

18 Months

$1000

3.54%

3.60%

30 Months

$1000

2.96%

3.00%



Why Choose an IRA with Texas Heritage National Bank?

Predictable, Interest-Bearing Growth

Your money earns competitive interest with no exposure to market volatility.

FDIC Insured

Your deposit is protected up to the legal limit, so you can save with peace of mind.

Hands-Off and Hassle-Free

No complex decisions or investment strategies. Just a straightforward way to plan for the years ahead.

Flexible Options

Whether you're just getting started or moving funds from another institution, we’ll help you get set up.