Earn up to 5.00% APY*

With a 9-Month Share Certificate

Couple taking a walk in nature. On man's shoulders poodle. In background mountains and forest. Autumn time.

Interested in our interest rates?

PiggyBank
Savings

Bill
Share Certificates

Wallet
Checking

Homes
Mortgage and Home Equity

Car
Loans

PiggyBank Savings
Regular Savings

APY*

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 1/20/2022 and may change after the account is opened. Fees may reduce earnings.
Open today

$5 to $299

APY*

0.00%

$300 to $9,999

APY*

0.05%

$10,000 to $49,999

APY*

0.05%

$50,000 and higher

APY*

0.05%

Boost Savings

APY*

APY with Bonus Rate*

*Minimum amount to open is $10. To qualify for the Bonus Rate, you must receive a reoccurring direct deposit of at least $10 to the same membership as the Boost Savings Account. Only one Boost Savings is allowed per individual. Additional conditions may apply. Annual Percentage Yield (APY) accurate as of 1/20/2022 and may change after the account is opened. Fees may reduce earnings.
Open today

$0 to $5,000

APY*

0.50%

APY with Bonus Rate*

0.99%

$5,001 to $10,000

APY*

0.50% - 0.28%

APY with Bonus Rate*

0.99% - 0.77%

$10,001 to $25,000

APY*

0.28% - 0.14%

APY with Bonus Rate*

0.77% - 0.63%

$25,001 to $100,000

APY*

0.14% - 0.07%

APY with Bonus Rate*

0.63% - 0.56%

$100,001 and greater

APY*

0.07% - 0.05%

APY with Bonus Rate*

0.56% - 0.54%

Soar Money Market

APY*

*Minimum amount to open is $5,000. Annual Percentage Yield (APY) accurate as of 2/1/2024 and may change after the account is opened. Fees may reduce earnings.

Open today

$500,001 and greater

APY*

2.50%

$250,001 to $500,000

APY*

2.00%

$100,001 to $250,000

APY*

1.25%

$50,001 to $100,000

APY*

1.00%

$25,001 to $50,000

APY*

0.75%

$10,001 to $25,000

APY*

0.50%

$0 to $10,000

APY*

0.25%

IRA Savings

APY*

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 1/20/2022 and may change after the account is opened. Fees may reduce earnings.
Open today with InRoads LIVE

$5 to $24,999

APY*

0.05%

$25,000 and higher

APY*

0.05%

Savings

APY*

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 1/20/2022 and may change after the account is opened. Fees may reduce earnings.
Open today

$5 to $9,999

APY*

0.05%

$10,000 and higher

APY*

0.05%

Special Savings

APY*

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 1/20/2022 and may change after the account is opened. Fees may reduce earnings.
Open today

$5 to $299

APY*

0.00%

$300 to $9,999

APY*

0.05%

$10,000 to $49,999

APY*

0.05%

$50,000 and higher

APY*

0.05%

Business Savings

APY*

*Annual Percentage Yield (APY) accurate as of 2/1/2024. Fees may reduce earnings.  Minimum to open account is $5. Only available on business accounts.

Open today

$300 and greater

APY*

0.05%

$0 to $299

APY*

0.00%

Business Money Market

APY*

*Annual Percentage Yield (APY) accurate as of 2/1/2024. Fees may reduce earnings.  Minimum to open account is $5,000. Only available on business accounts.

Open today

$500,001 and greater

APY*

3.00%

$250,001 - $500,000

APY*

2.00%

$100,001 - $250,000

APY*

1.25%

$50,001 - $100,000

APY*

1.00%

$25,001 - $50,000

APY*

1.00%

$10,001 - $25,000

APY*

0.75%

$0 - $10,000

APY*

0.50%

Bill Share Certificates
9-Month Share Certificate Special

APY*

APY with Bonus Rate**

*APY = Annual Percentage Yield. $500 minimum balance to open and earn APY shown. APY is accurate as of 2/1/2024. Penalties apply for early withdrawals from certificates. Fees could reduce earnings. InRoads reserves the right to end or modify this offer at any time.

**APY = Annual Percentage Yield. $500 minimum balance to open and earn APY shown. APY is accurate as of 2/1/2024 and requires new money to the credit union (not currently deposited at InRoads). Penalties apply for early withdrawals from certificates. Fees could reduce earnings. InRoads reserves the right to end or modify this offer at any time.

Open today

$500 and higher

APY*

4.75%

APY with Bonus Rate**

5.00%

6-Month Share Certificate

APY*

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 5/1/2023 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
Open today

$500 to $9,999

APY*

0.65%

$10,000 to $24,999

APY*

0.70%

$25,000 to $49,999

APY*

0.75%

$50,000 to $99,999

APY*

1.26%

$100,000 and higher

APY*

1.26%

12-Month Share Certificate

APY*

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 5/1/2023 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
Open today

$500 to $9,999

APY*

0.90%

$10,000 to $24,999

APY*

0.95%

$25,000 to $49,999

APY*

1.00%

$50,000 to $99,999

APY*

1.51%

$100,000 and higher

APY*

1.51%

24-Month Share Certificate

APY*

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 5/1/2023 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
Open today

$500 to $9,999

APY*

1.16%

$10,000 to $24,999

APY*

1.21%

$25,000 to $49,999

APY*

1.26%

$50,000 to $99,999

APY*

1.76%

$100,000 and higher

APY*

1.76%

36-Month Share Certificate

APY*

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 5/1/2023 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
Open today

$500 to $9,999

APY*

1.41%

$10,000 to $24,999

APY*

1.46%

$25,000 to $49,999

APY*

1.51%

$50,000 to $99,999

APY*

2.27%

$100,000 and higher

APY*

2.27%

60-Month Share Certificate

APY*

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 5/1/2023 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.
Open today

$500 to $9,999

APY*

1.66%

$10,000 to $24,999

APY*

1.71%

$25,000 to $49,999

APY*

1.76%

$50,000 to $99,999

APY*

2.53%

$100,000 and higher

APY*

2.53%

Wallet Checking
Cash Back Checking

Cash Back Bonus* if qualifications are met

*2.00% Cash back bonus applies up to $300 in purchases each month. Qualifications and restrictions apply to cash back bonus. Bonus will be posted to qualifying accounts on the last day of the month. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Fees may reduce earnings. Minimum to open account is $50. Only available on personal accounts.
Open today

Cash Back Checking
(first $300 of purchases each cycle)

Cash Back Bonus* if qualifications are met

2.00%

Cash Rewards Checking

APY* if qualifications are met

APY* if qualifications are not met

*Annual Percentage Yield (APY) accurate as of 1/17/2024. Rate tiers are as follows: 3.50% APY applies to balances of $.01-$15,000 and 0.50% - 3.50% APY applies to balances over $15,000 as long as qualifications are met each statement cycle. 0.01% APY applies to all balances if qualifications are not met. Rates may change after the account is opened. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Fees may reduce earnings. Minimum to open account is $50. Only available on personal accounts.
Open today

Cash Rewards Checking
(balances up to $15,000)

APY* if qualifications are met

3.50%

APY* if qualifications are not met

0.01%

Cash Rewards Checking
(balances over $15,000)

APY* if qualifications are met

0.50% - 3.50%

APY* if qualifications are not met

0.01%

Student Cash Back Debit

Cash Back Bonus* if qualifications are met

*3.00% Cash back bonus applies up to $200 in purchases each month. Qualifications and restrictions apply to cash back bonus. Bonus will be posted to qualifying accounts on the last day of the month.
Open today

Student Cash Back Debit
(first $200 of purchases each cycle)

Cash Back Bonus* if qualifications are met

3.00%

Business Rewards Checking

APY

*Annual Percentage Yield (APY) accurate as of 2/1/2024. Fees may reduce earnings. The $10 monthly service fee will be waived if the average daily balance in account is $5,000 or greater. Minimum to open account is $500. Only available on business accounts.

Open today

Business Rewards (balances $25,000 and greater)

APY

0.15%

Business Rewards (balances $5,000 - $24,999)

APY

0.10%

Business Rewards (balances $0 - $4,999)

APY

0.05%

Homes Mortgage and Home Equity
Mortgage

Rate as low as

APR* as low as

*Annual Percentage Rate (APR) is accurate as of 2/16/2024 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.
Apply today

15 year

Rate as low as

6.500%

APR* as low as

6.827%

20 year

Rate as low as

7.000%

APR* as low as

7.272%

30 year

Rate as low as

7.000%

APR* as low as

7.209%

20 year float home

Rate as low as

8.125%

APR* as low as

8.423%

Home Equity

APR as low as

*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 8.25% to 11.75% APR as of 2/16/2024. 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 8.25% APR to 10.25% APR, as of 2/16/2024. Borrower must pay closing costs, estimated at $176 to $181 for a $10,000 line of credit. Additional restrictions may apply. Homeowners Insurance is required.

Apply today

Home Equity Line of Credit        

APR as low as

8.25%*

Home Equity Express Line of Credit

APR as low as

8.25%**

Car Loans
Auto

APR* as low as

*Actual rate and term are based on credit profile and collateral. Additional conditions may apply.
Apply today

New Auto (3 years & newer)

APR* as low as

6.75%

Used Auto (4-10 years old)

APR* as low as

6.75%

Older Auto (11 years & older)

APR* as low as

8.00%

First Time Auto Buyer (10 years & newer)

APR* as low as

11.75%

RV, Boat and Motorcycle

APR* as low as

*Actual rate is based on collateral and credit worthiness. Additional conditions may apply.
Apply today

New RVs (3 years & newer)

APR* as low as

7.75%

Used RVs (4 -10 years old)

APR* as low as

8.75%

New Motorcycle, ATVs & Watercraft

APR* as low as

8.25%

Credit Cards

APR as low as

*Annual Percentage Rate (APR) is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Actual rate is based on credit worthiness. Additional conditions may apply. Rates are current as of 8/15/2023. Visa© Platinum Disclosures (pdf)

**Actual rate is based on credit worthiness. Additional conditions may apply. Rates are current as of 02/01/2020. Visa© Classic Disclosures (pdf)
Apply today

Visa® Platinum

APR as low as

12.99%*

Classic Credit Card

APR as low as

16.00%**

Personal Loans

APR* as low as

*Annual Percentage Rate (APR) is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Actual rate is based on credit worthiness. Additional conditions may apply. Rates are current as of 8/15/2023.
Apply today

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Custom Cash Secured

APR* as low as

12.25%

Custom Cash Unsecured

APR* as low as

13.25%

Personal Line of Credit - My Line

APR* as low as

12.25%