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Loans

Mortgage and Home Equity

Checking

Savings

Share Certificates

Loans

Auto

APR* as low as
New Auto (3 years & newer) 2.99% Apply today
Used Auto (4-10 years old) 2.99% Apply today
Older Auto (11 years & older) 6.00% Apply today
First Time Auto Buyer (10 years & newer) 10.25% Apply today

*Annual Percentage Rate (APR) assumes automatic payment from an InRoads checking account. Actual rate is based on credit worthiness. Additional conditions may apply.

RV, Boat and Motorcycle

APR* as low as
New RVs (3 years & newer) 4.50% Apply today
Used RVs (4 -10 years old) 5.50% Apply today
New Motorcycle, ATVs & Watercraft 5.75% Apply today

*Annual Percentage Rate (APR) assumes automatic payment from an InRoads checking account. Actual rate is based on credit worthiness. Additional conditions may apply.

Credit Cards

APR as low as
Visa® Platinum 7.74%* Apply today
Classic Credit Card 16.00%** Apply today

*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 1/21/2021. Visa© Platinum Disclosures (pdf)

**Actual rate is based on credit worthiness. Additional conditions may apply. Rates are current as of 1/21/2021. Visa© Classic Disclosures (pdf)

Personal Loans

APR* as low as
Custom Cash Secured 7.00% Apply today
Custom Cash Unsecured 8.00% Apply today
Personal Line of Credit - My Line 7.00% Apply today

*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 1/21/2021.

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Mortgage and Home Equity

Mortgage

Rate APR*
15 year fixed 2.500% 2.750%
20 year fixed 2.875% 3.074%
30 year fixed 3.250% 3.396%
20 year fixed float home 5.250% 5.488%

*Annual Percentage Rate (APR) is accurate as of 3/5/2021 at 9:00am. 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 Line of Credit

APR* as low as
Home Equity Line of Credit 3.00%

*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 3.00% to 6.25% APR as of January 1, 2021. 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.

Checking

Cash Back Checking

Cash Back Bonus* if qualifications are met
Cash Back Checking
(first $300 of purchases each cycle)
2.00%

*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. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Fees may reduce earnings. Minimum to open either account is $50. Only available on personal accounts.

Cash Rewards Checking

APY* if qualifications are met APY* if qualifications are not met
Cash Rewards Checking
(balances up to $15,000)
1.00% 0.01%
Cash Rewards Checking
(balances over $15,000)
0.17% - 1.00% 0.01%

*Annual Percentage Yield (APY) accurate as of 01/12/2021. 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. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Fees may reduce earnings. Minimum to open either account is $50. Only available on personal accounts.

Savings

Regular Savings

APY*
$5 to $299 0.00%
$300 to $9,999 0.05%
$10,000 to $49,999 0.05%
$50,000 and higher 0.05%

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 3/1/2021 and may change after the account is opened. Fees may reduce earnings.

Boost Savings

APY* APY with Bonus Rate*
$0 to $5,000 0.76% 1.26%
$5,001 to $10,000 0.41% - 0.76% 0.90% - 1.26%
$10,001 to $25,000 0.19% - 0.41% 0.68% - 0.90%
$25,001 to $100,000 0.09% - 0.19% 0.58% - 0.68%
$100,001 and greater 0.05% - 0.09% 0.54% - 0.58%

*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 3/1/2021 and may change after the account is opened. Fees may reduce earnings.

IRA Savings

APY*
$5 to $24,999 0.05%
$25,000 and higher 0.15%

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 3/1/2021 and may change after the account is opened. Fees may reduce earnings.

Money Market

APY*
$0 to $4,999 0.00%
$5,000 to 24,999 0.05%
$25,000 to $49,999 0.10%
$50,000 to $74,999 0.15%
$75,000 to $99,999 0.20%
$100,000 to $249,999 0.20%
$250,000 and higher 0.20%

*Minimum amount to open is $5,000. Annual Percentage Yield (APY) accurate as of 3/1/2021 and may change after the account is opened. Fees may reduce earnings.

Cub Club Savings

APY*
$5 to $9,999 0.05%
$10,000 and higher 0.10%

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 3/1/2021 and may change after the account is opened. Fees may reduce earnings.

Teen Savings

APY*
$5 to $9,999 0.05%
$10,000 and higher 0.10%

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 3/1/2021 and may change after the account is opened. Fees may reduce earnings.

Special Savings

APY*
$5 to $299 0.00%
$300 to $9,999 0.05%
$10,000 to $49,999 0.05%
$50,000 and higher 0.05%

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 3/1/2021 and may change after the account is opened. Fees may reduce earnings.

Christmas Club Savings

APY*
$0 to $299 0.05%
$300 to $9,999 0.05%
$10,000 to $49,999 0.10%
$50,000 and higher 0.10%

*Minimum amount to open is $5. Annual Percentage Yield (APY) accurate as of 3/1/2021 and may change after the account is opened. Fees may reduce earnings.

Share Certificates

Share Certificates

6 Month APY*
$500 to $9,999 0.10%
$10,000 to $24,999 0.15%
$25,000 to $49,999 0.20%
$50,000 to $99,999 0.25%
$100,000 and higher 0.30%
12 Month APY*
$500 to $9,999 0.15%
$10,000 to $24,999 0.20%
$25,000 to $49,999 0.25%
$50,000 to $99,999 0.30%
$100,000 and higher 0.35%
24 Month APY*
$500 to $9,999 0.20%
$10,000 to $24,999 0.25%
$25,000 to $49,999 0.30%
$50,000 to $99,999 0.35%
$100,000 and higher 0.40%
36 Month APY*
$500 to $9,999 0.25%
$10,000 to $24,999 0.30%
$25,000 to $49,999 0.35%
$50,000 to $99,999 0.40%
$100,000 and higher 0.45%
60 Month APY*
$500 to $9,999 0.30%
$10,000 to $24,999 0.35%
$25,000 to $49,999 0.40%
$50,000 to $99,999 0.45%
$100,000 and higher 0.50%

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 1/19/2021 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.

Non-Compounding Share Certificates

12 Month APY*
$500 to $9,999 0.15%
$10,000 to $24,999 0.20%
$25,000 to $49,999 0.25%
$50,000 to $99,999 0.30%
$100,000 and higher 0.35%
24 Month APY*
$500 to $9,999 0.20%
$10,000 to $24,999 0.25%
$25,000 to $49,999 0.30%
$50,000 to $99,999 0.35%
$100,000 and higher 0.40%
60 Month APY*
$500 to $9,999 0.30%
$10,000 to $24,999 0.35%
$25,000 to $49,999 0.40%
$50,000 to $99,999 0.45%
$100,000 and higher 0.50%

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 1/19/2021 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.

IRA Share Certificates

12 Month APY*
$500 to $9,999 0.15%
$10,000 to $24,999 0.20%
$25,000 to $49,999 0.25%
$50,000 to $99,999 0.30%
$100,000 and higher 0.35%
24 Month APY*
$500 to $9,999 0.20%
$10,000 to $24,999 0.20%
$25,000 to $49,999 0.30%
$50,000 to $99,999 0.35%
$100,000 and higher 0.40%
36 Month APY*
$500 to $9,999 0.25%
$10,000 to $24,999 0.30%
$25,000 to $49,999 0.35%
$50,000 to $99,999 0.40%
$100,000 and higher 0.45%

* Minimum amount to open is $500. Annual Percentage Yield (APY) is accurate as of 1/19/2021 and may change at any time. Penalty for early withdrawal may apply. Fees may reduce earnings.