Savings Center

• Certificates of Deposits (CD’s)
• Laddering your CDs
• Health Savings Accounts
• IRA's and ESA's
• Money Market Accounts
• Regular Savings Accounts
• Trust/FLUTMA Accounts
• Rates
• Savings Bonds
• Signature Guarantee

Earn more wealth for your retirement years with a VyStar IRA that earns competitive rates. And you’ll save more because you’ll pay no fees. VyStar is your one-stop IRA center, offering a complete range of retirement savings and certificate options:

• Traditional IRAs - these IRAs provide tax-deferral of income.
• Roth IRAs - pay your taxes up front, with added flexibility in retirement.
• Coverdell Education Savings Account (ESA) - (formerly called Education IRA) – save for educational expenses.

You may place your IRA funds into any of our certificate programs or into an IRA tiered savings account, where you earn more with higher balances.

All of our IRA and ESA products offer:

• Higher Dividends for Larger Deposits - increase your wealth and earn more as you save more.
• No Maintenance or Administration Fees - free yourself from fees that dip into your savings.
• Retirement Accounts are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF) - Government backing insures your deposits by the NCUA.

If you need to move your IRA funds from a previous employer or transfer IRA funds from another financial institution, VyStar can help. VyStar's IRA accounts and certificates allow you to move your funds to us with ease and no fee.

IRA Certificates
VyStar IRA Certificates are a secure, dependable way to save for your retirement. Depending on your income, tax filing status and eligibility from other retirement savings plans, your yearly IRA contributions may be fully or partially tax deductible. Be sure to consult your tax advisor.

For IRA accounts, you may not make any withdrawal or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instructions, or similar order to a third party. Please consult your tax advisor on the tax benefits of an IRA account. An early withdrawal penalty may apply.