Set yourself up with tax-free distributions.

Roth IRAs

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No age limit

to participate

Retirement planning made easy

Contribution limits up to $6,000 total (Traditional and Roth) for 2019 or 100% of taxable compensation, whichever is less
$1,000 catch-up contribution allowed in 2019 for members 50 years or older
Eligibility and deduction limits may apply, based on your Modified Adjusted Gross Income (MAGI)
Available as an IRA Certificate of Deposit or IRA Savings account

Tax advantages that can fit your lifestyle

With Credit Union ONE's Roth IRA option, you contribute after-tax funds that grow at a fixed rate, which means your qualified distributions will be tax-free. Generally, this is a good option if you expect to be in a higher tax bracket in retirement, but consult your tax advisor for full details. We're committed to helping our Michigan neighbors prepare for the retirement they envision, and our Roth IRA options can be the key to help you reach your goals.

Visit us to open a Roth IRA.

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Additional resources

Roth IRA Calculator

Roth vs. Traditional IRA Calculator

Withdrawal Guidelines*

No minimum distributions are required at age 70½. You can leave the account intact for heirs. It will continue to grow tax-free.
IRS penalty-free withdrawal for amounts withdrawn after five years if one of the following occurs:
- Reach the age of 59½ years of age or older
- Buying a first home ($10,000 lifetime cap)
- Disability**
- Death

Frequently Asked Questions

What IRAs do you offer?

Credit Union ONE does offer Traditional IRAs, Roth IRAs, Rollover IRAs, and Spousal IRAs.

*Withdrawals may have additional penalties. Always consult your tax advisor.

**Restrictions and documentation requirements apply.

How to Open an Account

What you need to get started

Chat Online

Connect with a customer service representative through our site.

Call us at 800-451-4292.

Find a Branch

Come into one of our convenient locations.

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