Inroads Federal Credit Union


Po Box 537
Saint Helens, OR 97051
See all branch locations →

Notable Rates APY Vs.Others
Savings 2.00% 3.50% →
1-Year CD 0.60% 3.70% →
2-Year CD 0.65% 3.80% →
5-Year CD 0.90% 4.25% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Inroads is an NCUA insured institution located in Saint Helens, OR. It was founded in 1938 and has approximately $350.72 millions in assets.

Who can join?

Membership in the credit union is available to individuals that live, work, attend school, volunteer, or worship in Columbia County or Sauvie Island, Oregon. Membership in the credit union is also available to individuals with immediate family who are existing credit union members.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2730
Date Established 1938
Assets $350.72 million
Loans $239.31 million
Deposits $325.43 million
Capital $26.92 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school, volunteer, or worship in Columbia, Clatsop and Cowlitz Counties and Sauvie Island, Oregon and the immediate family of current members.

Deposit Rates - October 1, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
2.00% $1 $5,000 Learn More
0.05% $2,500 $4,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.90% $100,000 $199,999 Learn More
Checking Rates APY MIN FEE
Cash Rewards Checking 1.00% $0 $0.00 Learn MoreShow Less

Loan Rates - October 1, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for INROADS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
6.298% 6.250% 0.50 $1,272 $1,540 Learn More
First Internet Bank
NMLS ID: 424182
6.703% 6.625% 0.75 $2,015 $1,601 Learn More
NMLS ID: 2890
License#: MC-3098
6.477% 6.375% 0.63 $2,678 $1,560 Learn More
HomeLend Mortgage
NMLS ID: 138075
License#: MC-5650
6.819% 6.625% 0.75 $5,040 $1,601 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
5.740 %
After Intro: 6.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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Below are Inroads branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Inroads Locations

Climate Initiatives

INROADS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Inroads Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Inroads. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Inroads U.S. Average
4.68% 4.75

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2022, Inroads had $1,194,482 in non-current loans and $114,552 in owned assets. To cover these potential losses it had $26,923,371 in net worth and $1,068,253 in loans loss reserves. That gives it a Texas Ratio of 4.68%.

Net Worth
Inroads U.S. Average
7.68% 12.28%

Inroads FCU has a net worth of 7.68% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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