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Start enjoying the benefits of a retirement account and make your future more secure. Vision One retirement accounts can help you achieve your financial goals.

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Traditional IRA
A Traditional Individual Retirement Account is a way to save for retirement that gives you tax advantages. Contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances, and generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distributed.

It is never too early to start planning for your retirement. Depending upon your needs, a Vision One Traditional IRA can be the account for you. Start today!

  • Earn high-yield dividends
  • Possibility of deferring taxes on your earnings until withdrawn. Certain contributions are tax deductible in the tax year for which they are made (contact your tax advisor).
  • Insured by the NCUA
  • Contact us for further details
  • Click here for current rates
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Roth IRA
A Roth Individual Retirement Account is a powerful, “tax advantaged” investment product. The number one benefit of the Roth IRA is that individuals are able to grow and withdraw their wealth tax free.

The Roth IRA (Roth Individual Retirement Account) is a powerful, “tax advantaged” investment product. The number one benefit of the Roth IRA is that individuals are able to grow and withdraw their wealth tax free. Restrictions may apply.

Here are the basic guidelines:

  • Single or head of household: you must earn between $112,00 to $127,000 to fully contribute to a Roth IRA
  • Married filing jointly or a qualified widow(er): you must earn between $178,000 to $188,000 to fully contribute to a Roth IRA
  • Married filing separately: you must earn less than $10,000 to fully contribute to a Roth IRA.
  • Insured by the NCUA

Contribution Eligibility:

Anyone with earned income that falls under the above guidelines can use a Roth IRA to save for retirement. How much you can save is dependent upon your age.

  • If you are under the age of 50 years old you can contribute $5,500 toward retirement in a Roth IRA. If you are married each individual can set aside $5,500 toward their retirement. The contribution limit is a total limit across any number of Roth accounts rather than per account.
  • If you are age 50 or older the same $5,500 contribution limit applies. However, you are also allowed to contribute an additional $1,000 as a "catch up" contribution toward retirement.
  • Please contact your tax advisor as restrictions may apply.
  • Contact us for further details
  • Click here for current rates
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Educational IRA
A non-deductible account that features tax-free earnings for a very specific purpose - a child's higher education expense.

An Educational IRA account was created as an incentive to help parents and students to help save for higher education costs.

Here are the basic guidelines:

  • Total contributions for the beneficiary cannot exceed $2,000 in any year no matter how many accounts have been established
  • A beneficiary is under the age of 18 or is a special needs beneficiary
  • Contributions are not tax deductible, but the amounts deposited grow tax-free until distributed
  • Distributions are are tax-free provided they are used for qualified education expenses (tuition and fees, required books, and room and board)
  • Insured by the NCUA
  • Please contact your tax advisor as restrictions may apply.
  • Contact us for further details
  • Click here for current rates
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