Build Your Future, Starting Today

Planning for retirement may feel like a big task—but getting started is easier than you think. Our 401(k) plan is designed to help you save consistently, grow your money over time, and take advantage of valuable company contributions.

You’re Automatically Enrolled (and Set Up for Progress)

To help you begin, you’re automatically enrolled at 3% of your pay unless you opt out.

Even better, your contribution will automatically increase each year until it reaches 6%, helping you build your savings gradually without having to take action. Of course, you’re always in control. You can change your contribution rate or opt out at any time by contacting Fidelity.

We Help You Grow Your Retirement Savings

Your future is a shared investment.

The VyStar Safe Harbor Match is 100% of the first 5% you contribute:

• Contribute 1-5% and VyStar will contribute 1- 5% in match

That’s FREE money towards your retirement. 

You Have Flexible Ways to Save

Everyone’s financial situation is different, so you have options:

• Pre-tax contributions: Lower your taxable income today
• Roth (after-tax) contributions: Pay taxes now and enjoy tax-free withdrawals later
• Contributions are taken automatically from your paycheck
• You choose how to invest from a range of professionally selected investment options

Contribution Limits (Based on Your Age)

The IRS sets limits on how much you can contribute each year:

• You can elect to contribute up to the annual IRS Indexed Limit; $24,500 for 2026
• If you’re age 50-59 or 64+ you can contribute additional catch-up contributions; up to $8,000 for 2026
• If you’re age 60-63 you can contribute an additional $11,250 in super catch-up contributions

Important for higher-paid employees: anyone earning more than $150,000 in FICA wages in 2025, your catch-up contributions must be made as Roth (after-tax) contributions.

Vesting – When the Company Contributions Are Yours

You always own 100% of what you contribute.

Company matching contributions become fully vested after 2 years of service:

• 0–2 years: 0% vested
• 2+ years: 100% vested

Once vested, that money is yours to keep—even if you leave the company.

Have questions? Please reach out to Fidelity at 800-835-5097 or your HR Financial Wellness team at 401k@vystarcu.org.

For more detailed information about the VyStar Credit Union 401(k) Plan, please refer to the Summary Plan Description.