We’re for hard-working Americans who want a better future, today.

All Savings Include:


Easy Access to Funds

Ability to Transfer

Overdraft Protection for ALLIANCE Checking Accounts

Bill Pay

No one can survive on senior discounts alone

So you're doing everything possible to live a long, healthy life. Less junk food, more exercise, and fewer nights burning the midnight oil at work. But the thing about becoming a physically fit senior is that you'll need to pull together lots of cash to see you through all those active post-retirement years.

ALLIANCE has what it takes to help our West Texas members reach those goals. We offer several Individual Retirement Accounts that come with investment options, tax benefits, and other potential uses beyond supporting the next chapter of your life. It's sort of like your fitness routine. If you start saving early and do it often, you'll develop the financial muscle you need to finish strong.

Traditional and Roth IRAs

  • Minimum balance of $250
  • Contribute up to $6,000 per year ($7,000 if over 50)
  • No opening, closing or maintenance fees
  • Invest money in savings or certificate accounts
  • Traditional IRAs may provide annual tax benefits for each year you make a contribution
  • With Roth IRAs, your withdrawals are free from federal income tax
  • Roth IRAs can also be used for higher education costs and home purchases
  • Consult a tax professional for full details about tax advantages

Coverdell ESA

Coverdell accounts are structured like IRAs, and enjoy some of the same tax benefits, but the money is targeted for education expenses.

  • Contribute up to $2,000 per year
  • Dividends and earnings grow tax-free
  • Use for higher education costs or private primary or secondary school expenses
  • Any family member – including grandparents - can contribute to a single student's account
  • Consult a tax professional for full details about tax advantages


We're here to help

More information about Calculators

Convenient and easy to use, our calculators provide good data to make better decisions.

More information about Education

Access our Financial Education articles for the most important financial decisions of your life.

More information about Mobile App

Access your accounts wherever you go and whenever it’s convenient.

Performance Checking

Earn cash back, get loan discounts and more.

Open Your Account Today