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Loans

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Savings

Share Certificates

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 6.50%
Used Auto (4-10 years old)	APR* as low as 6.50%
Older Auto (11 years & older)	APR* as low as 7.75%
First Time Auto Buyer (10 years & newer)	APR* as low as 11.50%

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 7.50%
Used RVs (4 -10 years old)	APR* as low as 8.50%
New Motorcycle, ATVs & Watercraft	APR* as low as 8.00%

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 2/15/2023. 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 12.24%*
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 2/15/2023. Apply today Some content on this page is saved in an alternative format. To view these files, download the following free software. Get Adobe® Reader®
Custom Cash Secured	APR* as low as 11.50%
Custom Cash Unsecured	APR* as low as 12.50%
Personal Line of Credit - My Line	APR* as low as 11.50%

Mortgage and Home Equity

Mortgage
	Rate as low as	APR* as low as

*Annual Percentage Rate (APR) is accurate as of 3/29/2023 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 5.625%	APR* as low as 5.935%
20 year	Rate as low as 6.500%	APR* as low as 6.764%
30 year	Rate as low as 6.250%	APR* as low as 6.445%
20 year float home	Rate as low as 7.750%	APR* as low as 8.043%

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 7.50% to 11.00% APR as of 3/29/2023. 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 7.50% APR to 9.50% APR, as of 3/29/2023. 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 7.50%^*
Home Equity Express Line of Credit	APR as low as 7.50%^**

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 and ATM fee refund. 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. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. 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 2/1/2023. 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. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. 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 and ATM fee refund. 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%

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%

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
$5 to $24,999	APY* 0.05%
$25,000 and higher	APY* 0.05%

Money Market
	APY*

*Minimum amount to open is $5,000. 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 $4,999	APY* 0.00%
$5,000 to 24,999	APY* 0.05%
$25,000 to $49,999	APY* 0.05%
$50,000 to $74,999	APY* 0.10%
$75,000 to $99,999	APY* 0.10%
$100,000 to $249,999	APY* 0.10%
$250,000 and higher	APY* 0.10%

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%

Share Certificates

5-Month Share Certificate *Special*
	APY* with new money	APY** with existing deposits

APY = Annual Percentage Yield. $500 minimum balance to open and earn APY shown. APY is accurate as of 12/1/2022 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. *APY = Annual Percentage Yield. $500 minimum balance to open and earn APY shown. APY is accurate as of 12/1/2022. 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* with new money 4.25%	APY** with existing deposits 3.50%

6-Month Share Certificate
	APY*

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 11/9/2022 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%

9-Month Share Certificate *Special*
	APY* with new money	APY** with existing deposits

APY = Annual Percentage Yield. $500 minimum balance to open and earn APY shown. APY is accurate as of 12/1/2022 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. *APY = Annual Percentage Yield. $500 minimum balance to open and earn APY shown. APY is accurate as of 12/1/2022. 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* with new money 4.50%	APY** with existing deposits 3.75%

12-Month Share Certificate
	APY*

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 11/9/2022 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%

13-Month Share Certificate *Special*
	APY* with new money	APY** with existing deposits

APY = Annual Percentage Yield. $500 minimum balance to open and earn APY shown. APY is accurate as of 12/1/2022 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. *APY = Annual Percentage Yield. $500 minimum balance to open and earn APY shown. APY is accurate as of 12/1/2022. 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* with new money 4.75%	APY** with existing deposits 4.00%

24-Month Share Certificate
	APY*

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 11/9/2022 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 11/9/2022 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 11/9/2022 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%

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