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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 InRoads Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
InRoads Federal Credit Union's 5-Month New Money CDSpecial rates are at 4.00%, 6-Month CD rates are at 3.25%, 12-Month CD rates are at 3.00%, 60-Month CD rates are at 2.53%, 36-Month CD rates are at 2.27%. InRoads Federal Credit Union's savings rates are at 0.00%. InRoads Federal Credit Union's money market rates are at 0.25%. InRoads Federal Credit Union's Mortgage rates are at 5.62%, Mortgage rates are at 6.38%, Mortgage rates are at 6.62%, Mortgage rates are at 7.50%. InRoads Federal Credit Union's Personal Loan Rates are at 11.00%. 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 10.70%. Rates were last updated on 04/17/2026. 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. InRoads Federal Credit Union
InRoads Administration Center 1720 Saint Helens St
https://www.inroadscu.org Saint Helens, OR 97051 1745 
InRoads Federal Credit Union CD Rates
InRoads Federal Credit Union Savings Rates
InRoads Federal Credit Union Money Market Rates
InRoads Federal Credit Union Checking Rates
InRoads Federal Credit Union Mortgage Rates
InRoads Federal Credit Union Home Equity & HELOC
InRoads Federal Credit Union Credit Card Rates
InRoads Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
79
Part-Time Employees
4
Branch Locations
4
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.70%
Return on Assets (ROA)
-0.2435%
Return on Equity (ROE)
-2.8513%
Non-Performing Loans Ratio (NPL)
1.19%
Total Assets
331,381,830
Total Amount of Shares and Deposits
300,575,589
Total Shares and Deposits < 1 Year
298,547,636
Total Shares and Deposits 1 3 Years
1,582,296
Total Shares and Deposits > 3 Years
445,657
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,467,759
Total Uninsured Shares and Deposits > $250K (F+J)
28,467,759
Total Insured Shares and Deposits > $250K (item 17 less item K)
272,107,830
Total Interest Expense (Sum of items 6 8)
2,979,248
Share Certificates
1,126
Number of Accounts for Share Drafts
13,309
IRA KEOGH Accounts
216
Number of Accounts for Regular Shares
19,747
All other shares
25
Non Member Deposits
788
Money Market Shares
3,172
Net Income (unless the amount is already included in Undivided Earnings)
-806,795
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
17,880,089
Total Liabilities
308,023,476
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About InRoads Federal Credit UnionIs InRoads Federal Credit Union a safe place to deposit money?Yes, InRoads Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 10.696160471722%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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