IRAs

Invest in your future with a high-rate retirement account that works as hard as you do. Discover the IRA that works best for you and plan your retirement today.

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Start saving for your retirement

No maintenance or administration fees
Competitive rates
Choose from traditional IRAs, Roth IRAs, Simplified Employee Pension (SEP) IRAs and IRA Certificates
Get better rates when you have a higher balance
No fees for rollovers or transfers

More Ways to Plan & Save

Start Planning Your Retirement

Consider Your Options

Visit our Retirement Service Center to learn more about the differences between traditional IRAs and Roth IRAs.

Become a Member

Quickly and easily complete your application online, by phone or at one of our branches.

Start Saving

Set up an automatic monthly transfer for a fixed amount or roll your accounts from past employers into your VyStar IRA.

Build Your Savings

Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.

IRA FAQs

How much should I save for retirement?

The amount you need to save depends on a lot of factors, including your age, current income and the lifestyle you want when you retire. Visit our Retirement Service Center for tools and information based on your stage of life and your retirement goals.

What’s the difference between a traditional IRA and a Roth IRA?

With a traditional IRA, you deduct your contribution from your taxes now, but you pay taxes later when you withdraw the money. With a Roth IRA, you pay taxes on the contributions you make now, but not on the withdrawals you make later. There are also difference in the rules for income limits, distributions, and withdrawals for each type of account. Visit our Retirement Service Center or talk to a VyStar representative for more details

How do I contribute to an IRA?

The rules for making contributions to your IRA vary depending on your age and your type of IRA. Contribution limits can also vary from year to year, so it’s important to get the most current information. If you have questions about making a contribution, visit our Retirement Service Center or talk to a VyStar representative for more information.

Can VyStar help me with an IRA or 401(k) rollover?

It can be challenging to stay on track with your retirement savings when you have a lot of accounts to manage. If you need to move retirement savings from a previous employer or transfer them from another financial institution, VyStar can help and won’t charge fees for this service.

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