What are the current interest rates at InRoads Federal Credit Union?

Current rates for InRoads Federal Credit Union include: 12-Month CD: 2.00%, 24-Month CD: 1.16%, 60-Month CD: 1.66%, Savings: 4.00%, MMA: 3.75%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
InRoads Federal Credit Union

iAdvertiser Disclosure

InRoads Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join InRoads Federal Credit Union?

Yes, to access services at InRoads Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, InRoads Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

InRoads Federal Credit Union's top rates as of October 12, 2026 are 3.25% APY on its 5-Month New Money CD, 4.00% APY on savings, 3.75% APY on money market accounts, 4.00% APY on checking, personal loans from 11.00% APR, and credit cards from 13.24% APR, according to rates verified by MonitorBankRates. Other InRoads Federal Credit Union CD rates include 60-Month CD at 2.53%, 36-Month CD at 2.27%, and 6-Month CD at 2.25%. MonitorBankRates evaluates the financial stability of InRoads Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.98%. Rates last updated and verified on 10/12/2026.

InRoads Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at InRoads Federal Credit Union? Share your experience about InRoads Federal Credit Union by leaving a review below, or read customer reviews before you decide to use InRoads Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.98%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

InRoads Federal Credit Union
InRoads Administration Center

1720 Saint Helens St
Saint Helens, OR 97051-1745

https://www.inroadscu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

InRoads Federal Credit Union CD Rates

Product	Rate	APY	Term
5-Month New Money Share Certificate	-	3.25%	5 months
Min Deposit $500 Min Balance $500 Details New money only; $500 new money minimum balance to open and earn APY shown; Balance: $500 and higher Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
60-Month Share Certificate	-	2.53%	60 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.53% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
60-Month Share Certificate	-	2.53%	60 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and higher Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.53% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
36-Month Share Certificate	-	2.27%	36 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
36-Month Share Certificate	-	2.27%	36 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and higher Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
6-Month Share Certificate	-	2.25%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500 to $9,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
6-Month Share Certificate	-	2.25%	6 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
6-Month Share Certificate	-	2.25%	6 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
6-Month Share Certificate	-	2.25%	6 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
6-Month Share Certificate	-	2.25%	6 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and higher Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
12-Month Share Certificate	-	2.00%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500 to $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
12-Month Share Certificate	-	2.00%	12 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
12-Month Share Certificate	-	2.00%	12 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
12-Month Share Certificate	-	2.00%	12 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
12-Month Share Certificate	-	2.00%	12 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and higher Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
24-Month Share Certificate	-	1.76%	24 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
24-Month Share Certificate	-	1.76%	24 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and higher Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
60-Month Share Certificate	-	1.76%	60 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
60-Month Share Certificate	-	1.71%	60 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
60-Month Share Certificate	-	1.66%	60 months
Min Deposit $500 Min Balance $500 Details Balance: $500 to $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
36-Month Share Certificate	-	1.51%	36 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
36-Month Share Certificate	-	1.46%	36 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.46% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
36-Month Share Certificate	-	1.41%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500 to $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.41% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
24-Month Share Certificate	-	1.26%	24 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
24-Month Share Certificate	-	1.21%	24 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.21% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
24-Month Share Certificate	-	1.16%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500 to $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Savings Rates

Product	Rate	APY
Boost Savings	-	4.00%
Min Deposit $10 Min Balance $0 Details Balance: $0 to $2,500; Only one Boost Savings is allowed per individual. Additional conditions may apply. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Boost Savings	-	4.00%
Min Deposit $10 Min Balance $2,501 Details Published APY range: 4.00-2.03%. Balance: $2,501 to $5,000; Only one Boost Savings is allowed per individual. Additional conditions may apply. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Smart Start Savings	-	4.00%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 and greater; Available to new members only who have not been a member of InRoads in the last 6 months Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Boost Savings	-	2.03%
Min Deposit $10 Min Balance $5,001 Details Published APY range: 2.03-0.45%. Balance: $5,001 to $25,000; Only one Boost Savings is allowed per individual. Additional conditions may apply. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Boost Savings	-	0.45%
Min Deposit $10 Min Balance $25,001 Details Published APY range: 0.45-0.05%. Balance: $25,001 and greater; Only one Boost Savings is allowed per individual. Additional conditions may apply. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
IRA Savings	-	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5 to $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
IRA Savings	-	0.05%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 and higher Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Regular Savings	-	0.05%
Min Deposit $5 Min Balance $300 Details Balance: $300 to $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Regular Savings	-	0.05%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Regular Savings	-	0.05%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000 and higher Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	-	0.05%
Min Deposit $5 Min Balance $300 Details Balance: $300 and greater; Only available on business accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Money Market Rates

Product	Rate	APY
Soar Money Market	-	2.50%
Min Deposit $5,000 Min Balance $500,001 Details Balance: $500,001 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Soar Money Market	-	2.00%
Min Deposit $5,000 Min Balance $250,001 Details Balance: $250,001 to $500,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.50% → 2.00% ▲ 1.50 pts · high 2.00% / low 0.50% Oct 8, 20262.00%▲ from 0.50% Sep 25, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Soar Money Market	-	1.25%
Min Deposit $5,000 Min Balance $100,001 Details Balance: $100,001 to $250,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.75% → 1.25% ▲ 0.50 pts · high 1.25% / low 0.75% Oct 8, 20261.25%▲ from 0.75% Sep 25, 20260.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Soar Money Market	-	1.00%
Min Deposit $5,000 Min Balance $50,001 Details Balance: $50,001 to $100,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Soar Money Market	-	0.75%
Min Deposit $5,000 Min Balance $25,001 Details Balance: $25,001 to $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 1.25% → 0.75% ▼ 0.50 pts · high 1.25% / low 0.75% Oct 8, 20260.75%▼ from 1.25% Sep 25, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Soar Money Market	-	0.50%
Min Deposit $5,000 Min Balance $10,001 Details Balance: $10,001 to $25,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 2.00% → 0.50% ▼ 1.50 pts · high 2.00% / low 0.50% Oct 8, 20260.50%▼ from 2.00% Sep 25, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Soar Money Market	-	0.25%
Min Deposit $5,000 Min Balance $0 Details Balance: $0 to $10,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	3.75%
Min Deposit $5,000 Min Balance $500,001 Details Balance: $500,001 and greater; Only available on business accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Money Market	-	3.25%
Min Deposit $5,000 Min Balance $250,001 Details Balance: $250,001 - $500,000; Only available on business accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Money Market	-	2.50%
Min Deposit $5,000 Min Balance $100,001 Details Balance: $100,001 - $250,000; Only available on business accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Money Market	-	2.25%
Min Deposit $5,000 Min Balance $50,001 Details Balance: $50,001 - $100,000; Only available on business accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Money Market	-	2.00%
Min Deposit $5,000 Min Balance $25,001 Details Balance: $25,001 - $50,000; Only available on business accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Money Market	-	1.75%
Min Deposit $5,000 Min Balance $10,001 Details Balance: $10,001 - $25,000; Only available on business accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Money Market	-	1.50%
Min Deposit $5,000 Min Balance $0 Details Balance: $0 - $10,000; Only available on business accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Checking Rates

Product	Rate	APY
Cash Rewards Checking	-	4.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Qualifying balance up to $15,000; Balance: $.01-$15,000; Only available on personal accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Cash Rewards Checking	-	3.50%
Min Deposit $50 Min Balance $15,000 Details Published APY range: 3.50-0.25%. Qualifications Required; Balance: over $15,000; Only available on personal accounts Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Rewards Checking	-	0.15%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 and greater; Only available on business accounts; $10 monthly service fee waived if average daily balance is $5,000 or greater Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Rewards Checking	-	0.10%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000 - $24,999; Only available on business accounts; $10 monthly service fee waived if average daily balance is $5,000 or greater Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Rewards Checking	-	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $4,999; Only available on business accounts; $10 monthly service fee waived if average daily balance is $5,000 or greater Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	6.75%
Details As Low As; APR range 6.750% - 10.250%; variable, based on Prime Rate plus a margin; maximum APR 18.00% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 25, 20266.75%▲ from 6.50% Sep 16, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Home Equity Express Line of Credit	-	-	7.75%
Details As Low As; APR range 7.750% - 9.750%; credit approval required Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto (3 years & newer)	-	-	5.49%
Details As Low As; Actual rate and term are based on credit profile and collateral. Rates current as of 3/2/26 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Used Auto (4-10 years old)	-	-	5.75%
Details As Low As; Actual rate and term are based on credit profile and collateral. Rates current as of 3/2/26 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Older Auto (11 years & older)	-	-	7.25%
Details As Low As; Actual rate and term are based on credit profile and collateral. Rates current as of 3/2/26 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
First Time Auto Buyer (10 years & newer)	-	-	11.50%
Details As Low As; Actual rate and term are based on credit profile and collateral. Rates current as of 3/2/26 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New RVs (3 years & newer) Loan	-	7.75%
Details As Low As; Actual rate is based on collateral and credit worthiness Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
New Motorcycle, ATVs, & Watercraft Loan	-	8.25%
Details As Low As; Actual rate is based on collateral and credit worthiness Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Used RVs (4 -15 years old) Loan	-	8.75%
Details As Low As; Actual rate is based on collateral and credit worthiness Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Credit Card Rates

Product	Rate	APR
Explore Rewards Visa	-	13.24%
Details As Low As; APR is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Rates current as of 2/17/26 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Secure Visa	-	16.00%
Details As Low As; APR is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Rates current as of 2/17/26 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 16.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Embark Rewards Visa	-	18.00%
Details As Low As; APR is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Rates current as of 2/17/26 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit - My Line	11.00%
Details As Low As; APR is variable, based on the Prime Rate plus a margin Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 11.00% → 11.00% ▼ 0.00 pts · high 11.00% / low 10.75% Oct 12, 202611.00%▲ from 10.75% Sep 25, 202610.75%▼ from 11.00% Sep 16, 202611.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Custom Cash Unsecured Loan	12.00%
Details As Low As; APR is variable, based on the Prime Rate plus a margin Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 12.00% → 12.00% ▼ 0.00 pts · high 12.00% / low 11.75% Oct 12, 202612.00%▲ from 11.75% Sep 25, 202611.75%▼ from 12.00% Sep 16, 202612.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

InRoads Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Boost	-	-	4.00%
Min Deposit $10 Min Balance $0 Details Balance: $0 to $2,500; Only one Business Boost Savings allowed per membership Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Boost	-	-	4.00%
Min Deposit $10 Min Balance $2,501 Details Published APY range: 4.00-2.03%. Balance: $2,501 to $5,000; Only one Business Boost Savings allowed per membership Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Boost	-	-	2.03%
Min Deposit $10 Min Balance $5,001 Details Published APY range: 2.03-0.45%. Balance: $5,001 to $25,000; Only one Business Boost Savings allowed per membership Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.03% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%
Business Boost	-	-	0.45%
Min Deposit $10 Min Balance $25,001 Details Published APY range: 0.45-0.05%. Balance: $25,001 and greater; Only one Business Boost Savings allowed per membership Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.98%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

InRoads Federal Credit Union’s Texas Ratio rose from 4.08% in Q3 2023 to 9.98% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$340M	9.98%	5.0	A
March 31, 2026	$335M	9.39%	5.0	A
December 31, 2025	$330M	9.89%	5.0	A
September 30, 2025	$331M	10.09%	5.0	A
June 30, 2025	$333M	17.00%	4.8	B+
March 31, 2025	$350M	14.19%	5.0	A-
December 31, 2024	$360M	5.36%	5.0	A+
September 30, 2024	$371M	4.54%	5.0	A+
June 30, 2024	$362M	4.35%	5.0	A+
March 31, 2024	$379M	3.06%	5.0	A+
December 31, 2023	$377M	3.37%	5.0	A+
September 30, 2023	$372M	4.08%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for InRoads Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather InRoads Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with InRoads Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name InRoads Federal Credit Union

Website https://www.inroadscu.org

Address 1720 Saint Helens St, Saint Helens, OR 97051-1745

Phone 503-397-2376

Fax 503-397-0688

President Lea Chitwood

CEO Nathan Cox

Full-Time Employees 73

Part-Time Employees 4

Branch Locations 4

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.98%

Return on Assets (ROA)

-0.2182%

Return on Equity (ROE)

-2.6861%

Non-Performing Loans Ratio (NPL)

1.15%

Total Assets

340,003,063

Total Amount of Shares and Deposits

313,172,525

Total Shares and Deposits < 1 Year

311,454,382

Total Shares and Deposits 1 3 Years

1,412,663

Total Shares and Deposits > 3 Years

305,480

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

25,494,454

Total Uninsured Shares and Deposits > $250K (F+J)

25,494,454

Total Insured Shares and Deposits > $250K (item 17 less item K)

287,678,071

Total Interest Expense (Sum of items 6 8)

1,730,741

Share Certificates

1,219

Number of Accounts for Share Drafts

13,516

IRA KEOGH Accounts

206

Number of Accounts for Regular Shares

19,233

All other shares

Non Member Deposits

767

Money Market Shares

3,305

Net Income (unless the amount is already included in Undivided Earnings)

-741,816

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

31,233,363

Total Liabilities

317,157,935

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

InRoads Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/inroads-federal-credit-union-rates-review-2730">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for InRoads Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for InRoads Federal Credit Union

Frequently Asked Questions About InRoads Federal Credit Union

How many branches does InRoads Federal Credit Union operate?

InRoads Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join InRoads Federal Credit Union?

Yes, to access services at InRoads Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, InRoads Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, InRoads Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does InRoads Federal Credit Union offer online and mobile banking?

Most modern institutions like InRoads Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.inroadscu.org.

Current InRoads Federal Credit Union Rates

12-Month CD2.00%
24-Month CD1.16%
60-Month CD1.66%
Savings4.00%
MMA3.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

InRoads Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

InRoads Federal Credit Union Texas Ratio

InRoads Federal Credit Union Health Trend

InRoads Federal Credit Union CD Rates

InRoads Federal Credit Union Savings Rates

InRoads Federal Credit Union Business Savings Rates

InRoads Federal Credit Union Money Market Rates

InRoads Federal Credit Union Business Money Market Rates

InRoads Federal Credit Union Checking Rates

InRoads Federal Credit Union Business Checking Rates

InRoads Federal Credit Union Home Equity & HELOC

InRoads Federal Credit Union Auto Loan Rates

InRoads Federal Credit Union RV, Boat and Powersport Loan Rates

InRoads Federal Credit Union Credit Card Rates

InRoads Federal Credit Union Personal Loan Rates

InRoads Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

InRoads Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About InRoads Federal Credit Union

How many branches does InRoads Federal Credit Union operate?

Is a member application needed to join InRoads Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does InRoads Federal Credit Union offer online and mobile banking?

Current InRoads Federal Credit Union Rates

Compare to Other Credit Unions