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Set yourself up with tax-free distributions.

Roth IRAs

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No age limit
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Retirement planning made easy

  • Contribution limits up to $5,500 total (Traditional and Roth) for 2018 or 100% of taxable compensation, whichever is less
  • $1,000 catch-up contribution allowed in 2018 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
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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.
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  • 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  • IRS penalty-free withdrawal for amounts withdrawn after five years if one of the following occurs: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

How do I view transaction information?

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking.

Do you offer IRAs? 

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

What IRAs do you offer? 

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

What is the difference between a Traditional IRA and a Roth IRA?

Our Traditional IRA and Roth IRA page explain all the details of these accounts.

What is a Traditional IRA?

Our Traditional IRA and Roth IRA page explain all the details of these accounts.

What is a Roth IRA?

Our Traditional IRA and Roth IRA page explain all the details of these accounts.

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

**Restrictions and documentation requirements apply.

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Call us at 800-451-4292.
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