Inroads Federal Credit Union
Headquarters
Po Box 537
Saint Helens, OR 97051
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2024 Overview
General Credit Union Information
Inroads is an NCUA insured institution located in Saint Helens, OR. It was founded in 1938 and has approximately $376.56 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 | $376.56 million |
| Loans | $282.12 million |
| Deposits | $299.58 million |
| Capital | $28.27 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 - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Boost Savings
|
0.99% | $0 | $5,000 |
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|
| Regular Savings
|
7.13% | $300 | $9,999 |
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|
| Boost Savings APY WITH BONUS RATE
|
0.99% | $5,000 | $10,000 |
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|
| Regular Savings
|
7.13% | $10,000 | $49,999 |
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|
| Boost Savings APY WITH BONUS RATE
|
0.77% | $10,001 | $25,000 |
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|
| Boost Savings APY WITH BONUS RATE
|
0.63% | $25,001 | $100,000 |
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|
| Boost Savings APY WITH BONUS RATE
|
0.56% | $100,001 | - |
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|
|
Money Market
|
0.05% | $25,000 | $49,999 |
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|
|
Money Market
|
0.10% | $50,000 | $74,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 5-Month Share Certificate Special
|
5.00% | $500 | - |
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|
| 6-Month Share Certificate
|
8.25% | $25,000 | - |
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|
| 6-Month Share Certificate
|
1.26% | $50,000 | - |
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|
| 9-Month Share Certificate Special
|
4.50% | $500 | - |
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|
| 12-Month Share Certificate
|
12.25% | $25,000 | - |
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|
| 12-Month Share Certificate
|
1.76% | $50,000 | - |
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|
| 13-Month Share Certificate Special
|
1.16% | $500 | - |
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|
| 24-Month Share Certificate
|
1.76% | $25,000 | - |
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|
| 24-Month Share Certificate
|
2.53% | $50,000 | - |
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|
| 36-Month Share Certificate
|
1.76% | $25,000 | - |
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|
| 36-Month Share Certificate
|
2.53% | $50,000 | - |
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|
| 60-Month Share Certificate
|
1.76% | $25,000 | - |
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|
| 60-Month Share Certificate
|
2.53% | $50,000 | - |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Cash Rewards Checking | 3.50% | $0 | $0.00 | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: Not a Lender |
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NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Inroads
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Branches
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:
Columbus,Ohio
Climate Policy and Initiatives
INROADS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 6.21% | 6.97 |
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 December 31, 2023, Inroads had $1,728,889 in non-current loans and $105,948 in owned assets. To cover these potential losses it had $28,274,243 in net worth and $1,253,900 in loans loss reserves. That gives it a Texas Ratio of 6.21%.
Net Worth
| Inroads | U.S. Average |
|---|---|
| 7.64% | 13.62% |
Inroads FCU has a net worth of 7.64% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Inroads
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