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Start retirement planning for your non-working spouse.

Spousal IRAs

Various options to
fit your goals

A Spousal IRA is your partner in planning.

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Prepare for a more rewarding retirement.


Retirement planning as a couple is a team effort. While one spouse is working and building up retirement funds, there's also an opportunity for the non-working spouse to open an IRA in his or her name through Credit Union ONE's Spousal IRAs. This special option is available as either a Traditional or Roth IRA, each with specific tax advantages your advisor can explain. Whether your retirement plans have you in Michigan or somewhere beyond, this IRA option can help you realize your dreams.
Visit us to open a Spousal IRA.
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  • Contributions may be deductible if one spouse isn't an active participant in an employer-sponsored retirement plan
  • Non-working spouses, whose name the Spousal IRA was created in, can't have reached 70½ years of age; the contributing/working spouse may be older but cannot contribute to a Traditional IRA
  • Your Adjusted Gross Income (AGI) may determine your contribution eligibility*
  • As long as the working spouse qualifies, he or she can continue to make contributions even after the non-working spouse reaches 70½ years of age

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.

*Always consult your tax advisor.