Earn 4% APY* with an InRoads Smart Start Savings account.
Special Savings Account
Focus on specific savings goals by naming this account whatever you'd like.
Set Aside Cash for Vacations, College, the Holidays, or Anything Else
There are Infinite Reasons to Save
Open as many Special Savings accounts as you wish.
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Unlimited deposits.
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100% liquid.
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Name the account anything you like.
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Automatic transfers.
Reach Multiple Savings Goals with Special Savings Accounts
Sure, it's a smart move to have a regular savings account. That's a good place to put money for a "rainy day" or to build long-term financial security. But life is about dreaming - and then doing. That's where our Special Savings accounts come in. By creating a separate account for specific goals, you'll be motivated to make more deposits.
- Minimum opening deposit of $5 per account
- Save for anything, like taxes and insurance payments
Tap Into Your Inspiration and Give Your Accounts Creative Names
Members tell us they use names like "Santa's Helper" for their holiday account. "Sail into the Sunset" for their luxury cruise account, or "Scholar Dollars" for college. We can't wait to hear about your creative names.
Your Goal is Within Reach
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 6/5/2025. Minimum balance to obtain the stated APY is $300. Rates may change after the account is opened. Minimum to open account is $5.
†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.