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InRoads Federal Credit Union

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InRoads Federal Credit Union Rates & Review September 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: September 16, 2026

InRoads Federal Credit Union's 5-MonthNewMoneyCD rates are at 3.25%. InRoads Federal Credit Union's Personal Loan Rates are as low as 11.00%. InRoads Federal Credit Union's Credit Card Rates are at 13.24%. 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 9.39%. Rates last updated and verified on 09/16/2026.

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 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

9.39%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

InRoads Federal Credit Union
InRoads Administration Center

1720 Saint Helens St
Saint Helens, OR 97051-1745

https://www.inroadscu.org

InRoads Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
5-MonthNewMoneyShare Certificate	3.25%	3.25%	5-Month
Min Balance $500 Details Balance: $500 and higher Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

InRoads Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	6.50%
Details APR* up to 10.000% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Home Equity Express Line of Credit	-	-	7.75%
Details APR* up to 9.750% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Home Equity Line of Credit	-	-	7.75%
Details Credit approval required and terms and conditions apply. Current APRs range from 7.750 % APR to 9.750 % APR, as of 6/29/26 . Borrower must pay closing costs, estimated at $276 to $281 for a $10,000 line of credit. Additional restrictions may apply. Homeowners Insurance is required. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

InRoads Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	5.49%	3 years & newer
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Auto	-	-	5.75%	4-10 years old
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Older Auto	-	-	7.25%	11 years & older
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
First Time Auto Buyer	-	-	11.50%	10 years & newer
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

InRoads Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New RVs (3 years & newer) Loan	-	7.75%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
New Motorcycle, ATVs, & Watercraft Loan	-	8.25%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used RVs (4 -15 years old) Loan	-	8.75%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

InRoads Federal Credit Union Credit Card Rates

Product	Rate	APR
Explore Rewards Visa	-	13.24%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Secure Visa	-	16.00%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Embark Rewards Visa	-	18.00%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

InRoads Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit - My Line	11.00%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Custom Cash Unsecured Loan	12.00%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

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 5.16% in Q2 2023 to 9.39% in Q1 2026, so its financial health has weakened 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
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+
June 30, 2023	$375M	5.16%	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 78

Part-Time Employees 2

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

9.39%

Return on Assets (ROA)

-0.1496%

Return on Equity (ROE)

-1.7979%

Non-Performing Loans Ratio (NPL)

1.10%

Total Assets

334,791,405

Total Amount of Shares and Deposits

307,881,321

Total Shares and Deposits < 1 Year

306,185,230

Total Shares and Deposits 1 3 Years

1,398,393

Total Shares and Deposits > 3 Years

297,700

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

26,229,787

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

26,229,787

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

281,651,534

Total Interest Expense (Sum of items 6 8)

840,430

Share Certificates

1,166

Number of Accounts for Share Drafts

13,447

IRA KEOGH Accounts

210

Number of Accounts for Regular Shares

19,414

All other shares

Non Member Deposits

790

Money Market Shares

3,265

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

-500,864

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)

26,148,836

Total Liabilities

311,630,866

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

InRoads Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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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.