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Self-directed IRAs—when an ordinary retirement account just won't do

Individual Retirement Accounts (IRAs)

It's your money and it's your retirement account. And you want something beyond traditional IRAs. That's why you pursue the unique opportunities available through self-directed IRAs1. Consider us an excellent partner in that pursuit. We're a great resource for your self-directed retirement planning, offering FDIC-insured capital preservation accounts that earn high yields, plus diversification opportunities with foreign currencies.

Discover the benefits of opening a self-directed IRA with EverBank®

  • Earn high yields with our money market and certificate of deposit accounts
  • Access to our highly-experienced World Markets Desk
  • Flexibility to roll your existing IRA into another EverBank IRA as your needs and financial goals change over time2
  • Convenient account management with secure online access for eligible accounts
  • Ability to open a variety of IRAs, including traditional and Roth IRAs

Explore the following EverBank accounts to see which could fulfill your self-directed IRA needs


   

Open a high yield retirement account and protect your funds with FDIC insurance


Take advantage of consistently high yields guaranteed by our Yield PledgeSM.3 Plus know that your retirement funds are secure with FDIC insurance. Capital growth and preservation—a great combination for your IRA.

Account Unique features Initial deposit minimum Annual fee FDIC insured Risk to principal
Yield Pledge
Money Market Account		 • Yield Pledge
• Access to funds4 		$1,500 None Yes None
Yield Pledge
Certificates of Deposit		 • Yield Pledge
• Variety of terms		 $1,500 None Yes None

Open a high yield IRA account today



Apply Now

Or, use this pdf Application and the appropriate forms below to open your IRA:
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Open a foreign currency IRA and diversify your retirement account


Diversify your retirement portfolio in the global markets. Many investment professionals agree that diversifying with foreign currencies can be a smart long-term financial strategy to help minimize market risk to your portfolio. Additionally, you could enjoy potential capital appreciation if a currency gains on the U.S. dollar (conversely if the U.S. dollar gains on the currency you could lose money).

Account Unique features Initial deposit minimum Annual fee FDIC insured5 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 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 Yes Yes
WorldCurrency Access Deposit Account Money market account in the currency of your choice. $2,500 $35 Yes Yes

Expand your retirement planning opportunities with a leader in foreign currency accounts

With a dedicated World Markets Desk, EverBank brings a global market expertise unrivaled by other financial institutions. For over two decades, the WorldCurrency family of bank products has made participating in the global markets easier and accessible.

Take advantage of our online resources:

Foreign Currency Resources: From key indicators to expert analysis, we've gathered economic information on major countries and their currencies.

Apply for a foreign currency (World Markets) IRA account today

Before opening a foreign currency IRA, we recommend reading what to expect when opening a currency account

To open a WorldCurrency IRA account, sign and return the following 3 forms:
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Definitely not ordinary—explore these unique assets for your retirement account


EverBank Metals Select6

Providing access to non FDIC-insured gold or silver coins for your retirement account. While precious metals are 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
Metals Select Available as American Eagle Gold & Silver Coins. $7,500
(Transfer or Rollover IRAs only)		 Storage Fees No Yes

How to open a Metals Select IRA



Precious metal offerings vary through out the year, please call 800.926.4922 to talk with a World Markets Specialist for additional information.

To open a gold or silver IRA account, sign and return the following 3 forms:

MarketSafe® Certificates of Deposit

Combining the 100% protection7 of traditional CDs with the potential of a higher risk market.

Account Unique features Initial deposit minimum Annual fee FDIC insured Risk to principal
MarketSafe® CD Potential of market-driven returns. No market risk to your deposited principal. $1,500 $35 Yes None

How to open a MarketSafe CD IRA



MarketSafe CD offerings vary through out the year, please visit the product page for additional information

To open a MarketSafe IRA CD, sign and return the following 3 forms:
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Open an EverTrade® Direct Brokerage retirement account for access to domestic and global assets


Expose your retirement account to domestic and global assets including stocks, bonds, ETFs, and mutual funds. EverTrade® Direct Brokerage8 can provide access to non FDIC-insured world bonds and foreign stock exchanges.

Account Unique features Initial deposit minimum Annual fee FDIC insured Risk to principal
EverTrade Direct Brokerage Access domestic and foreign exchanges including world bonds. Varies $25 plus Transaction Fees9 No Yes

Open an IRA through EverTrade Direct Brokerage today



To open a retirement account, use this pdf Application and the appropriate forms below to open your IRA:

EverTrade Direct Brokerage accounts are Not FDIC insured, Not a deposit of EverBank, and may lose value.
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  1. EverBank® does not act as the custodian for all IRA accounts. Based on the product you choose, you may be required to establish a custodial account with a predetermined and unaffiliated 3rd party in order to maintain your IRA account(s) at EverBank. This 3rd party may impose a fee for their service.
  2. When rolling an existing EverBank IRA into a different EverBank IRA, customers may need to complete additional paperwork.
  3. EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in the Bankrate.com National IndexTM of leading banks and thrifts. For the Yield Pledge CD this pledge applies at the time of purchase, or when rolling your expiring CD into a new CD with EverBank.
  4. Because this is a money market account, you are limited by Federal regulation to six transfers or withdrawals per month. See Terms and Conditions for details. Withdrawals or transfers in excess of these limits are subject to a fee. IRA withdrawals may be subject to taxes and penalties. Please consult with your tax advisor for more information.
  5. Your EverBank deposit accounts are insured by the FDIC for up to $250,000 until December 31, 2013. FDIC insurance covers against loss due to the failure of the institution, but not market related fluctuations, including changes in currency prices. Due to the nature and volatility of the foreign exchange market the values of currencies are subject to wide fluctuations against the U.S. dollar and investments in foreign currency denominated instruments will entail significant risk exposure to adverse movements of the foreign currency relative to the U.S. dollar. As with all investments, investors can lose money, including principal due to currency fluctuations, over the term that you own it. Please only invest with money that you can afford to risk, and as part of a broadly diversified investment strategy.
  6. EverBank Metals Select products are not deposits of EverBank, are not insured by the FDIC or any other government agency and the value of the holdings are not guaranteed, and are subject to significant risk, including the possible loss of principal due to market price movement. Investing in metals involves degrees of risk that make them unsuitable for certain individuals. You should carefully consider the suitability of such metals before making any decision.
  7. Principal protection applies only to CDs held to maturity.
  8. EverBank is a FDIC insured savings bank. EverTrade Direct Brokerage, Inc. is a separate, but affiliated company of EverBank. Investment products and services are provided by EverTrade Direct Brokerage Inc. and are: NOT insured by the FDIC and may lose value, NOT deposits of EverBank, NOT guaranteed by EverBank or guaranteed by the federal government. EverTrade is registered as a broker/dealer with the Securities and Exchange Commission and the FINRA/SIPC.
  9. Up to the first 2,000 shares $10.00 and then just 1 cent per share for all additional shares in the same online trade, regardless of the price per share. For broker-assisted trades, the cost is just $29.95 for the first 2,000 shares, and then just 2 cents per share in the same trade. For a complete listing of fees, visit http://www.evertrade.com. As with other forms of trading, trades placed through EverTrade Direct Brokerage involves investment risk, including the potential for loss of principal.
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  2. EverBank, the EverBank Infinity Sphere and the EverBank logo are proprietary service marks of EverBank. All rights reserved.

888.882.EVER(3837)

Get help with your IRA needs. Talk with an EverBank Customer Care Specialist.