Earn 4% APY* with an InRoads Smart Start Savings account.
Savings Rates
In time, you'll end up with more.
At This Rate, Your Savings Will Increase Steadily
Our Rates Give You a Boost Toward Your Savings Goals
Choose from various types of savings accounts for your personal finances, including Boost Savings and Money Market Accounts.
Regular Savings
| Balance | APY* |
|---|---|
| $5 to $299 | 0.00% |
| $300 to $9,999 | 0.05% |
| $10,000 to $49,999 | 0.05% |
| $50,000 and higher | 0.05% |
Disclaimers
*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 1/20/2022 and may change after the account is opened. Fees may reduce earnings.
Boost Savings
| Balance | APY* |
|---|---|
| $0 to $2,500 | 4.00% |
| $2,501 to $5,000 | 4.00-2.03% |
| $5,001 to $25,000 | 2.03-0.45% |
| $25,001 and greater | 0.45-0.05% |
Disclaimers
*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.
Smart Start Savings
| Balance | APY* |
|---|---|
| $0.01 and greater | 4.00% |
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.
Soar Money Market
| Balance | APY* |
|---|---|
| $500,001 and greater | 2.50% |
| $250,001 to $500,000 | 2.00% |
| $100,001 to $250,000 | 1.25% |
| $50,001 to $100,000 | 1.00% |
| $25,001 to $50,000 | 0.75% |
| $10,001 to $25,000 | 0.50% |
| $0 to $10,000 | 0.25% |
Disclaimers
*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.
IRA Savings
| Balance | APY* |
|---|---|
| $5 to $24,999 | 0.05% |
| $25,000 and higher | 0.05% |
Disclaimers
*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 1/20/2022 and may change after the account is opened. Fees may reduce earnings.
Savings
| Balance | APY* |
|---|---|
| $5 to $9,999 | 0.05% |
| $10,000 and higher | 0.05% |
Disclaimers
*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 1/21/2022 and may change after the account is opened. Fees may reduce earnings.
Special Savings
| Balance | APY* |
|---|---|
| $5 to $299 | 0.00% |
| $300 to $9,999 | 0.05% |
| $10,000 to $49,999 | 0.05% |
| $50,000 and higher | 0.05% |
Disclaimers
*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 1/21/2022 and may change after the account is opened. Fees may reduce earnings.