Earn 4% APY* with an InRoads Smart Start Savings account.
Mortgage Rates
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Rates that Keep Your Payments Affordable
Start with an InRoads Mortgage
Lower monthly payments mean you can plan for remodeling projects, new furnishings or anything else you need to make your house a home.
Mortgage
Effective Date: June 22, 2026
| Term Length | Rate as low as | APR* as low as |
|---|---|---|
| 15 year | 6.000% | 6.280% |
| 20 year | 6.625% | 6.856% |
| 30 year | 6.875% | 7.055% |
| 20 year float home | 7.875% | 8.121% |
Disclaimers
*Annual Percentage Rate (APR) is accurate as of 6/22/26 at 9:00 am. Rates may change at any time without notice. Rates shown above make the following assumptions: Conventional loan of $250,000 owner occupied purchase, single family residence with 80% LTV and excellent credit. Loans are subject to credit approval. Your actual rate may be different and will be based on many factors including but not limited to credit worthiness, income, employment and property information at the time of application. Homeowners insurance will be required, and third party closing costs will apply. Rates and loan programs shown are not a full list of products offered at InRoads. Other terms may be available, contact a Mortgage Loan Officer for more information.
Home Equity
Effective Date: June 22, 2026
| Product | APR* as low as | APR* up to |
|---|---|---|
| Home Equity Line of Credit* | 6.500% | 10.000% |
| Home Equity Express Line of Credit** | 7.750% | 9.750% |
Disclaimers
*The Annual Percentage Rate (APR) for a Home Equity Line of Credit is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Corresponding variable APRs range from 6.500% APR to 10.000% APR as of 6/22/26 . The maximum APR is 18.00%. Third-party closing costs are applicable and will vary depending on the loan amount. For a $10,000 line of credit fees could range from $514.00 to $1,389.00. An annual fee of $50 will be assessed beginning one year following consummation. All loans are subject to credit approval. Additional restrictions may apply. Homeowners Insurance is required.
**Credit approval required and terms and conditions apply. Current APRs range from 7.750% APR to 9.750% APR, as of 6/22/26 . 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.