Save for what matters
Making smart financial decisions is essential for building wealth and preparing for retirement. Through our partnership with Cetera, OAS FCU members can access free, bilingual consultations with independent, third-party financial professionals1.
You're eligible!
Log in to save time with pre-filled info and speed up your application
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 that you would like to open a Investments account
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.
Disclosures
-
Third-Party Investment and Availability Notice:
Cetera advisors are independent third-party providers and are not affiliated with or employed by OAS FCU.
Cetera services are currently available only to individuals with a mailing address in the United States, Mexico, Taiwan, China, Vietnam, or Hong Kong.
Cetera Advisor Networks LLC is a member of FINRA/SIPC. Investment products offered through Cetera are not NCUA-insured, not deposits or obligations of OAS FCU, not guaranteed by the Credit Union, and are subject to investment risks, including possible loss of the principal invested.
Cetera is licensed in all 50 U.S. states but does not solicit business in international jurisdictions where it is not registered. Check the background of this investment firm or its representatives on FINRA’s BrokerCheck.