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Saving for Your Someday Starts Today

Add a solid foundation
to your future

Choose Your Savings

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Boost Savings

Watch your savings grow faster than ever when you open a Boost Savings account. Right now, you can earn 4.00% APY* on balances up to $2,500.

Click here for balance tiers >>

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Soar Money Market

It’s time to let your money and investment portfolio fly into the stratosphere with a Soar Money Market account. Your deposits will earn more with rates as high as 2.50% APY* on balances over $500,000.

Click here for balance tiers >>

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Special Savings

Add additional savings accounts to your InRoads membership and save for those big (or little) goals. You can even customize the names of these accounts. Need an example? How about Vacation Savings, Down Payment, or New Kitchen?

Learn more >>

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Individual Retirement Account (IRA)

Plan your own future with an Individual Retirement Account from InRoads. Open yours today, start making regular deposits, and watch your funds grow in a tax-advantaged* environment.

Learn more >>

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Health Savings Account (HSA)

Today’s healthcare can seem confusing and expensive. Protect yourself and your finances with an InRoads Health Savings Account (HSA). An HSA allows you to save pre-tax dollars toward qualified medical expenses, including co-pays and medications.

Learn more >>

Which Savings is Right for Me?

  • No minimum balance

    No minimum balance

  • $5 balance to open

    $5 balance to open

  • Earn great returns on your deposits

    Earn great returns on your deposits

  • Perfect to save for taxes or holidays

    Perfect to save for taxes or holidays

  • Designed to save for qualified medical expenses

    Designed to save for qualified medical expenses

  • Designed to save for retirement

    Designed to save for retirement

Boost

  • No minimum balance

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  • $5 balance to open

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  • Earn great returns on your deposits

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  • Perfect to save for taxes or holidays

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  • Designed to save for qualified medical expenses

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  • Designed to save for retirement

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Soar

  • No minimum balance

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  • $5 balance to open

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  • Earn great returns on your deposits

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  • Perfect to save for taxes or holidays

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  • Designed to save for qualified medical expenses

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  • Designed to save for retirement

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Special Savings

  • No minimum balance

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  • $5 balance to open

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  • Earn great returns on your deposits

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  • Perfect to save for taxes or holidays

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  • Designed to save for qualified medical expenses

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  • Designed to save for retirement

    X Image

IRA

  • No minimum balance

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  • $5 balance to open

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  • Earn great returns on your deposits

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  • Perfect to save for taxes or holidays

    X Image

  • Designed to save for qualified medical expenses

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  • Designed to save for retirement

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HSA

  • No minimum balance

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  • $5 balance to open

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  • Earn great returns on your deposits

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  • Perfect to save for taxes or holidays

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  • Designed to save for qualified medical expenses

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  • Designed to save for retirement

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Watch Your Savings Grow

Open your Boost Savings today and earn 4.00% APY*.

Boost Savings

APY*

*Minimum amount to open is $10. Only one Boost Savings is allowed per individual. Additional conditions may apply. Annual Percentage Yield (APY) accurate as of 3/1/2024 and may change after the account is opened. Fees may reduce earnings.
Open today

$0 to $2,500

APY*

4.00%

$2,501 to $5,000

APY*

4.00% - 2.03%

$5,001 to $25,000

APY*

2.03% - 0.45%

$25,001 and greater

APY*

0.45% - 0.05%

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Watch Your Savings Soar

It’s time to let your money and investment portfolio fly into the stratosphere with a Soar Money Market account. Your deposits will earn more with rates as high as 2.50% APY*. And because this account has almost no restrictions, even larger six-digit deposits will take flight.

Starting your Soar Money Market account is easy, whether you use funds you already have at InRoads or transfer some over from another financial institution. Check out all the easy ways to move money.

Soar Money Market

APY*

*Minimum amount to open is $5,000. Annual Percentage Yield (APY) accurate as of 11/8/2024 and may change after the account is opened. Fees may reduce earnings.

Open today

$500,001 and greater

APY*

2.50%

$250,001 to $500,000

APY*

2.00%

$100,001 to $250,000

APY*

1.25%

$50,001 to $100,000

APY*

1.00%

$25,001 to $50,000

APY*

0.75%

$10,001 to $25,000

APY*

0.50%

$0 to $10,000

APY*

0.25%

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Special Savings

Add a savings account to your InRoads membership for each of your financial goals. Need to save for your dream vacation? Want to put money away for the down payment on a home? Or maybe you’re just saving up for a rainy day. It’s super easy. Open the accounts you need and start saving today.

Open today
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Individual Retirement Account

An Individual Retirement Account from InRoads is a great way to plan ahead for your someday. Open yours, start making regular deposits and watch your funds grow in a tax-advantaged* environment. Choose from a Traditional IRA for tax savings with every contribution, or a Roth IRA for tax-free earnings when you start taking withdrawals. There’s even an IRA Share Certificate option that allows you to put aside some of your funds from 12 to 36 months at a higher rate of return.

 

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Roth IRA

  • Withdrawal of earned dividends is tax-free after 5 years for ages 59½ and up
  • Penalty-free withdrawal options BEFORE you reach age 59½**
  • Pension plan distributions are tax-free when made at retirement
  • $7,000 annual contribution limit
  • Additional $1,000 “catch up” contribution for ages 50 and up
  • No required distribution age

Traditional IRA

  • Penalty-free withdrawals for those age 59½ or older
  • Distributions may be taxed at the retirement-level income bracket
  • Possible tax deduction for qualified savers**
  • All earned dividends are tax-deferred
  • No setup or annual fees
  • $7,000 annual contribution limit
  • Additional $1,000 “catch up” contribution for ages 50 and up
  • *Consult your tax advisor.

Health Savings Account

Today’s healthcare can seem confusing and expensive. Protect yourself and your finances with an InRoads Health Savings Account (HSA). An HSA allows you to save pre-tax dollars toward qualified medical expenses, including co-pays and medications. Best of all, if you don’t use the funds by the end of the year, those funds roll over to the next year.

  • Save for future medical costs
  • Use for approved medical expenses
  • No minimum balance or monthly fee
  • Easy access
  • Tax-free earnings
  • No “use it or lose it” rule
  • Transferable to next job
Open today with InRoads LIVE
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Cash Rewards Checking

Earn rewards up to 3.50% APY1 every month with a few, simple account requirements and no monthly fees. It’s all part of InRoads Cash Rewards Checking. Open yours and start rewards today.

Learn more
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