Earn 4% APY* with an InRoads Smart Start Savings account.
IRAs
Your golden years begin right here.
The Best Way to Set Aside Money for the Rest of Your Life
Save Now, Enjoy Later
Secure retirement savings.
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Traditional or Roth IRAs.
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Easy contributions.
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Tax advantages1 depending on the account type.
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No start-up or annual fees.2
A Great Way to Invest in "Some Day"
Imagine waking up every morning to endless possibilities and having the free time to do anything you want. With an IRA from InRoads, it could be possible through regular contributions. Grow your savings with the help of tax advantages*, and put your future self in a position to live happily ever after.
Traditional IRA
- Contribute up to $7,000 annually ($8,000 if you're over 50)
- Get a potential income tax deduction* each year you make a contribution
- Invest funds in a special IRA account or in IRA Share Certificates of 12 to 36 months
- Annual dividend earnings are tax-deferred
- Make penalty-free withdrawals starting at age 59 1/2
Roth IRA
- Contribute up to $7,000 annually ($8,000 if you're over 50)
- Invest funds in a special IRA account or in IRA Share Certificates of 12 to 36 months
- Annual dividend earnings are tax-exempt
- Make penalty-free withdrawals of your contributions before age 59 1/2
- Make penalty-free and tax-free withdrawals of your contributions and dividend earnings starting at age 59 1/2
Related Resources
Today's Plan, Tomorrow's Reward
Watch Your Savings Soar
Earn up to 2.50% APY† and access funds anytime you want.
Disclaimers
1Consult your tax advisor.
2$15 annual fee applies if balance is below $500.
†Annual Percentage Yield (APY) accurate as of 6/5/2025. Minimum balance to obtain the stated APY is $500,001. Rates may change after the account is opened. Minimum to open account is $5000.