Earn 4% APY* with an InRoads Smart Start Savings account.
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INtroducing: The Side Hustle Business Bundle
Giving entrepreneurs the legit tools, confidence, and financial setup to grow on their terms.
Speed through the checkout line in record time.
Link your InRoads debit and credit cards to your mobile device.
Works like your card, only safer.
State-of-the-art security.
Access with your wearable device.
Works with Apple Pay, Google Pay, or Android Pay.
When you're carrying merch to a store's checkout counter, the last thing you want to do is fumble around for a card, cash or checkbook. Since your phone is almost always close at hand, the easiest way to pay is with your Digital Wallet. Tap your phone against the merchant's payment terminal (or maybe just give it a wave) and - presto! - you're ready to grab your stuff and go. And it's just as easy for online shopping.
Been using this banking service for a year now. The app is intuitive, and the staff have been very helpful and kind. I feel safe trusting my money with InRoads Credit Union.
Pay no monthly fees and earn up to 4.00% APY† on your balance.
†Annual Percentage Yield (APY) accurate as of 12/1/25 . Rate tiers are as follows: 4.00% APY applies to balances of $.01-$15,000 and 3.50-0.25% APY applies to balances over $15,000 as long as qualifications are met each statement cycle. 0.01% APY applies to all balances if qualifications are not met. Rates may change after the account is opened. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Fees may reduce earnings. Minimum to open account is $50. Only available on personal accounts.