Build Your Retirement on Your Terms
If you’re a U.S. citizen or legal resident with a Social Security Number, our Traditional IRAs and IRA Share Certificates offer flexible and federally insured ways to grow your savings with tax advantages—whether you’re just getting started or building on what you already have.
You're eligible!
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Need to enroll in online banking?
Answer a few quick questions to get the enrollment process started!
How It Works
- Login to your Online Banking
- Select the ‘Message Center’ tab, and in message recipient select ‘Open/Close accounts’
- Let us know which Retirement account (IRA) you would like to open
Frequently Asked Questions
We offer Traditional IRAs—including traditional IRA Share Certificates—designed to fit different retirement goals and income situations.
No, OAS FCU currently offers only Traditional IRAs and Traditional IRA Certificates.
However, you can open a Roth IRA through our partner Cetera3.Schedule a free consultation to understand how tax-advantaged strategies—like paying taxes upfront in a Roth IRA—may fit your long-term retirement goals.2,3
Yes — rolling over your 401(k) into an IRA is a smart way to consolidate your retirement savings, preserve tax advantages, and access more investment options.
A direct rollover, where funds move directly from your 401(k) provider to your IRA, is usually the best option because it helps you avoid mandatory tax withholding and potential IRS penalties.2
Contact us and we’ll guide you through the process.
IRAs are available only to U.S. citizens or legal residents with valid Social Security Numbers.
There is no minimum to open an IRA. Annual contribution limits are set by the IRS and vary based on your age. Contributions are optional each year, but yearly maximums still apply. IRS rules and limits may change, so please check with your tax advisor for your specific contribution limits.2
You can fund your IRA by transferring money from your OAS FCU accounts, external accounts via ACH, or by setting up payroll deductions5 for steady, automatic savings.
New to OAS FCU?
No problem! Become a member and apply for your loan as soon as you’re approved.