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

Notable Rates APY Vs.Others
Savings 2.00% 0.65% →
1-Year CD 0.60% 0.70% →
2-Year CD 0.65% 0.75% →
5-Year CD 0.90% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Inroads is an NCUA insured institution located in Saint Helens, OR. It was founded in 1938 and has approximately $334.94 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 $334.94 million
Loans $220.64 million
Deposits $304.77 million
Capital $23.17 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 - July 26, 2021

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 - July 26, 2021

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
2.692% 2.625% 0.88 $2,188 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



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

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
3.92% 4.38

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, 2021, Inroads had $944,751 in non-current loans and $47,400 in owned assets. To cover these potential losses it had $23,170,176 in net worth and $2,114,553 in loans loss reserves. That gives it a Texas Ratio of 3.92%.

Net Worth
Inroads U.S. Average
7.5% 12.20%

Inroads FCU has a net worth of 7.5% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Inroads

Branches and Savings

What is Inroads?

A federal credit union, registered with the NCUA under certificate #2730.
Learn more about credit unions here.

Is Inroads FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Inroads is insured by the NCUA.

Who can join Inroads?

Please see Field of Membership information above for information on who is eligible to join.

What are Inroads's share account and share certificate rates?

Inroads's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Inroads?

Inroads has total capital of $23.17 million. Full information on Inroads's financial position is located above.

Who owns Inroads?

Credit Unions are owned by their members.

Where are Inroads branches located?

See branch locations nearby.

Are Inroads ATMs Open 24/7?

Do Inroads ATMs accept cash deposits?

Can Inroads customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Inroads have a mobile app?

Does Inroads have mobile deposit?

Does Inroads have quick pay?

How can Inroads transfer money to other banks or credit unions?

Does Inroads report to credit bureaus?

Does Inroads use Chexsystems?

Does Inroads use Equifax?

What is Inroads's toll free phone number?

What is Inroads's ACH Routing Number?

What is Inroads's SWIFT code?

Where can I find Inroads's wire transfer form?

What is the Inroads address for deposits?

What Products Does Inroads Offer

Does Inroads offer mortgages?

Compare mortgage rates here.

Does Inroads offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Inroads offer auto and RV loans?

Compare auto loan rates here.

Does Inroads offer student loans or personal loans?

Compare personal loan rates here.

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