You shouldn’t have to wait until retirement to relax. Put your mind at ease knowing that you’re earning more for your retirement with a VyStar IRA. Our IRAs offer competitive rates, and no fees. Choose from a complete range of retirement savings and certificate options like traditional IRAs, Simplified Employee Pension (SEP) IRAs, Roth IRAs and Coverdell Education Savings Accounts (ESAs). You can even place your IRA funds into any of our certificate programs or into an IRA-tiered savings account, where you’ll earn more with higher balances.
Visit the Retirement Service Center to learn more about IRAs, plan for your retirement, print forms that are needed to open an IRA or review your existing IRA.
IRA products offer higher dividends for larger deposits, no maintenance or administration fees, and retirement accounts insurance protection is separate and apart from insurance coverage of other credit union accounts.
If you need to move your IRA funds from a previous employer or transfer IRA funds from another financial institution, VyStar can help and won’t charge fees for this service.
VyStar IRA Certificates are a secure, trustworthy 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.
View Current Certificate Rates
To get started or for assistance, talk to a VyStar Representative today. Call (904) 777-6000, 1 (800) 445-6289 or stop by any VyStar branch.
Individuals must make regular contributions to traditional and Roth IRAs by the due date of their federal income tax returns (generally April 15), not including extensions. If the deadline for filing an individual’s income tax return falls on a Saturday, Sunday or legal holiday, the individual will have until the following business day to make a contribution.
Contributions made between January 1 and April 15 of one year for the previous year are called prior-year contributions.
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.