Build for retirement your way—with accounts that cater
to your specific goals.

Individual Retirement Accounts (IRAs)

It's never too early—or too late—to start your retirement planning. That's why IRAs¹ can make so much sense. Especially IRAs   from EverBank^®. That's because you can choose from many of our everyday accounts and open them as IRAs—tradtional, Roth and more. And given the wide variety of accounts we offer, you can open an IRA with a goal of strictly preserving your funds. Or you can open an IRA as a means to reach the global market—build and diversify your portfolio for your future retirement needs.²

Strategies change over time. Keep apace with our IRAs.

EverBank accounts that can be opened as an IRA

One feature that distinguishes our IRAs is the breadth of accounts that can be opened as an IRA. Whether your goal is capital preservation or capital growth, we have accounts that will meet your needs—today and tomorrow.

Personal banking IRAs

Our personal banking accounts work well for those with a goal of security and capital preservation—which is often a strategy for those nearing retirement. If these are goals of yours, these accounts might interest you.

Account	Unique features	Initial deposit minimum	Costs	FDIC insured	Risk to principal
Yield PledgeSM Money Market Account	• Yield Pledge4 • Access to funds5	$1,500	None	Yes	None
Yield Pledge Certificates of Deposit	• Yield Pledge • Variety of terms	$1,500	None	Yes	None
MarketSafe® Certificates of Deposit	Potential of market-driven returns. No market risk to your deposited principal.6	$1,500	$35 annual fee	Yes	None

Foreign currency and metals IRAs

If your goal is capital growth, you might want to consider IRAs in foreign currencies or non-FDIC insured metals⁷. These accounts take you to a global market where you can build and diversify your portfolio. Keep in mind, adding gold or silver to a portfolio is a strategy commonly used as a hedge against inflation. Loss of principal can occur with these accounts.

Account	Unique features	Initial deposit minimum	Costs	FDIC insured	Risk to principal
WorldCurrency® CD (Single-currency)	CDs comprised of a single currency. Choose from the world's major currencies.	$10,000 (Transfer or Rollover IRAs only)	$35 annual fee	Yes	Yes
WorldCurrency Index CD (Multi-currency)	CDs comprised of a combination of currencies that focus on a specific regional strength, and/or geopolitical and economic development.	$20,000 (Transfer or Rollover IRAs only)	$35 annual fee	Yes	Yes
DollarBull® CD	Like our single-currency CD only in reverse.	$10,000 (Transfer or Rollover IRAs only)	$35 annual fee	Yes	Yes
WorldCurrency Access Deposit Account	Money market account in the currency of your choice.	$2,500	$35 annual fee	Yes	Yes
EverBank Metals Select	Available as an American Gold or Silver Eagle coin.	$7,500 (Transfer or Rollover IRAs only)	Storage fees	No	Yes

IRAs through EverTrade Direct Brokerage

These IRAs lend themselves to those whose object is capital growth. With non-FDIC insured EverTrade^® Direct Brokerage⁸, you can access stocks, bonds, ETFs, mutual funds—domestically and globally. As with any investment opportunity, loss of principal can occur with a brokerage account.

Account	Unique features	Initial deposit minimum	Costs	FDIC insured	Risk to principal
EverTrade Direct Brokerage	Access domestic and foreign exchanges including world bonds.	Varies	$25 annual fee Transaction fees9	No	Yes

I'm interested in opening an IRA. What's my next step?

Opening an EverBank IRA is easy. First you'll need to decide upon the account that works best for your goals. Then, simply apply for that account. While you're filling out the application, you'll simply mark your account type as individual IRA.