Earn 4% APY* with an InRoads Smart Start Savings account.
Share Certificate Rates
Boost your savings with a Share Certificate.
Maximize Your Investment With a Share Certificate
Our Rates Build Your Total Savings
Choose from various types of share certificates for your personal or business savings, including Personal Share Certificates and Business Share Certificates.
5-Month New Money Share Certificate
| Balance | APY* |
|---|---|
| $500 and higher | 3.25% |
Disclaimers
*APY = Annual Percentage Yield. $500 new money minimum balance to open and earn APY shown. APY is accurate as of 9/2/26 . Penalties apply for early withdrawals from certificates. Fees could reduce earnings. InRoads reserves the right to end or modify this offer at any time.
6-Month Share Certificate
| Balance | APY* |
|---|---|
| $500 to $9,999 | 2.25% |
| $10,000 to $24,999 | 2.25% |
| $25,000 to $49,999 | 2.25% |
| $50,000 to $99,999 | 2.25% |
| $100,000 and higher | 2.25% |
Disclaimers
*Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 9/2/26 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
12-Month Share Certificate
| Balance | APY* |
|---|---|
| $500 to $9,999 | 2.00% |
| $10,000 to $24,999 | 2.00% |
| $25,000 to $49,999 | 2.00% |
| $50,000 to $99,999 | 2.00% |
| $100,000 and higher | 2.00% |
Disclaimers
*Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 9/2/26 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
24-Month Share Certificate
| Balance | APY* |
|---|---|
| $500 to $9,999 | 1.16% |
| $10,000 to $24,999 | 1.21% |
| $25,000 to $49,999 | 1.26% |
| $50,000 to $99,999 | 1.76% |
| $100,000 and higher | 1.76% |
Disclaimers
*Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 10/1/25 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
36-Month Share Certificate
| Balance | APY* |
|---|---|
| $500 to $9,999 | 1.41% |
| $10,000 to $24,999 | 1.46% |
| $25,000 to $49,999 | 1.51% |
| $50,000 to $99,999 | 2.27% |
| $100,000 and higher | 2.27% |
Disclaimers
*Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 10/1/25 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
60-Month Share Certificate
| Balance | APY* |
|---|---|
| $500 to $9,999 | 1.66% |
| $10,000 to $24,999 | 1.71% |
| $25,000 to $49,999 | 1.76% |
| $50,000 to $99,999 | 2.53% |
| $100,000 and higher | 2.53% |
Disclaimers
*Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 10/1/25 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.