Earn 4% APY* with an InRoads Smart Start Savings account.
Smart Start Savings Account
Earn 4% APY* - NO CAP...Literally!
Smart Start Savings Just Makes Sense
New Members! This Offer is Just for You
Earn 4% APY* with Smart Start Savings when you join InRoads.
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Grow your savings faster.
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Add money at any time.
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Any time withdrawals and transfers.
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100% safe savings strategy.
We Want to Be Part of Your Lifelong Financial Journey
To claim your 4% APY* Smart Start Savings, you’ll need a new InRoads membership, some soft savings, and a YOLO attitude. We’ll do the rest, helping you afford more of what life is all about.
- New membership required
- Minimum opening deposit of $5 per account
- 24/7 access within Digital Banking
- Banking when, where, and how you want
Count On It
Your deposits are federally insured up to $250,000 by the National Credit Union Administration.
Claim Your 4% APY* Smart Start Savings
A Rewarding Checking Experience
Pay no monthly fees and earn up to 4.00% APY† on your balance.
Disclaimers
*Annual Percentage Yield (APY) accurate as of 1/1/2026. Rates may change after the account is opened. Minimum to open account is $5. Available to new members only who have not been a member of InRoads in the last 6 months.
†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.