ENROLL IN YOUR BENEFITS

Retirement

HomeFinancialRetirement
Preparing For The Future

Retirement Plans

Harris County helps you prepare for your future in two ways:

  • Automatic enrollment in a defined benefit plan with the Texas County & District Retirement System (TCDRS)
  • Voluntary enrollment to make additional long-term investments through a 457 deferred compensation plan

Automatic Enrollment

TEXAS COUNTY & DISTRICT RETIREMENT SYSTEM

As a County employee, you will contribute a portion of your salary each paycheck into your TCDRS account. Harris County Commissioners Court defines this percentage along with the amount that will be matched by the County when you retire and what you must do to be eligible to retire. The Texas Legislature sets the rate at which your account will earn interest.

KEY NUMBERS FOR 2025

Annual Interest Rate - 7%

Employee Deposit Rate - 7%

Harris County Matching Rate - 225%

Vesting Requirement - 8 years

Retired couple floating on inner tubes in a swimming pool

Ready to Retire?

If you believe you meet the eligibility requirements and are ready to retire, take a look at these next steps to ensure you have a successful retirement.

I'm Ready!

VESTING
You are considered “vested” when you have eight (8) years of service credit. Once vested, you may stop working for Harris County but still keep the right to a future retirement benefit. Your TCDRS account will keep earning interest each year until your membership ends.

OTHER WAYS TO GET SERVICE TIME
The Proportionate Retirement Program lets you use service credit from any of the systems listed below to qualify for retirement benefits.

  • City of Austin Employees’ Retirement System (COAERS)
  • Employees Retirement System of Texas (ERS)
  • Judicial Retirement System of Texas (JRS)
  • Teacher Retirement System of Texas (TRS)
  • Texas Municipal Retirement System (TMRS)

For more information about the Proportionate Retirement Program, please contact TCDRS Member Services.

ELIGIBILITY FOR RETIREMENT BENEFITS
You are eligible for a retirement benefit when you meet one of the following requirements:

  • You are age 60 or over and have accrued 8 years of service time
  • You have accrued 30 years of service time (regardless of age)
  • Your age plus your years of service total 75 (also called the Rule of 75)
  • Disability Retirement

TCDRS MAKES IT EASY

  • Get your questions answered
  • Designate your beneficiary
  • Estimate your retirement benefit
  • More

Call 800-823-7782 or login at tcdrs.org.

TCDRS FAQs

TCDRS FAQs