Offering personal lending and financial services to CPS Energy® employees and their families since 1938

3 Ways to Make Early Retirement a Reality

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888.263.3370

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210.353.2376

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IRA ACCOUNTS

Open a checking, savings, money market or other account with the CPS IBEW FCU and you’ll earn dividends on your funds. We offer a variety of account types so that you can choose those that best meet your needs.

Federal Credit Union San Antonio | IBEW Credit Union | CPS Credit Union

We have another way to save for educational expenses and retirement.
Open a Traditional, Roth, or Education IRA account today.

ROTH IRA

  • Earnings are tax-free
  • No age limit on contributions
  • 59 ½ minimum distribution age
  • No required distribution at age 70 ½
  • Three IRS penalty-free withdrawal options, including first-time home purchase

TRADITIONAL IRA

  • Earnings are tax-free
  • Contributions may be tax deductible
  • Contributions are permitted up to age 70 ½
  • Penalty-free early withdrawal options for first-time home purchase and or college expenses

EDUCATIONAL IRA

  • Earnings are tax-free
  • The beneficiary must be under age 18 to receive contributions, and must make all withdrawals by age 30
  • Funds may be used for private schooling between grades 1-12, as well as higher education
Federal Credit Union San Antonio | IBEW Credit Union | CPS Credit Union | CPS IBEW FCU current rates