Certificates of Deposit (CD), Individual Retirement Accounts (IRA) and Educational Savings Accounts (ESA)

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.

Need more information? 

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 and ESA 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.

IRA Certificates

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. 

Certificates of Deposit 

A VyStar Certificate of Deposit (CD) offers you the opportunity to lock in a fixed rate of interest to earn on your money over a specific time period. Lock in your earning power and enjoy high yields for the term of your choice – from three months to five years. 

A minimum deposit of $500 gets you started. We also provide tiered rates for higher balances. An early withdrawal penalty may apply. Interests paid may be withdrawn by the account holder from the account without penalty, but will reduce the earnings.

View Current Certificate Rates

18-Month Step-Up Certificates

For additional rate flexibility, you may want to open a certificate with a one-time option to adjust to a higher rate before the certificate matures. This is what our 18-month certificate has to offer. 

You can also add amounts of $2,000 or more at any time during the 18-month term. An early withdrawal penalty may apply. Dividends earned are compounded and paid monthly, so your dividends keep on earning dividends. We never forget it’s your money, and we want that money to work for you. 

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.

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.