Individual Retirement Accounts (IRAs) are a reliable way for you or your spouse to save for retirement, and membership in VITAL FCU gives you the advantages of higher returns.

  • Traditional, ROTH, and Education IRAs available
  • No administration fee
  • Dividends paid quarterly
  • IRAs insured separately up to at least $250,000 by the NCUA
  • Annual fee applies

Refer to our Rate Schedule for current rates. Dividends are based on an average daily balance, and are compounded and paid quarterly.

Discover more of what your Vital Federal Credit Union has to offer!


Member Benefits

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Great Rates

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Mobile Banking

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Home Equity Loans


Due to excessive fraud Florida and Ohio have been blocked for Visa debit card transactions. Please contact either branch for further details. Learn more