Earn 4% APY* with an InRoads Smart Start Savings account.
Good Things are Better Together
Refer a Friend to InRoads and You Both Get $50⌃!
InRoads Credit Union is Invested in You (and your friends)
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Empowering you to bank when, where and how you want.
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Providing tools and resources to help you along your financial journey.
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Dedicated to being easy to do business with.
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Amplifying the impact in our community.
Who Can Join?
You simply need to live, work, attend school, volunteer, or worship in Columbia, Clatsop, Cowlitz, Multnomah or Washington counties. You can also join if you have immediate family who are existing InRoads members. Those include your spouse, child, step-child, grandchild, parent, step-parent, grandparent, or sibling.
Everything We Do Is All About You
We care about you, your family, local businesses, and our community. When you join InRoads, you'll work directly with people committed to helping you reach your goals.
Invested in You
Your goals and life events matter, and we're here to help you reach those objectives and enjoy every achievement. Whether you’re making your first deposit, buying your first car looking for your first home, or planning for retirement, we’re invested in you.
Here for You
InRoads is here to help you achieve your financial goals and dreams. Whether you contact us digitally or in person, we’re always available and looking for ways to say "yes" with services that go above and beyond.
Innovative for You
InRoads provides solutions to make your life easier. That includes InRoads LIVE, which allows you to video chat with a real-life InRoads team member, Text Banking, a robust Digital Banking suite of tools helping you to pay bills, track spending, improve your credit score, and much more.
Here for Our Community
For us, community is everything. We're proud to teach financial education to kids and adults, sponsor little league teams, help support local food banks, give back to schools and more.
In just the past year, we donated over $175,000 to non-profit organizations, shared our financial knowledge with 581 students over the course of 80+ hours of financial education, and volunteered 409 hours at 62 local events. Plus, we granted a total of $25,000 to small businesses in Columbia County.
Make a Smooth Transition With Our Switch Kit
Now that you've joined InRoads, let's make sure your switch is as smooth as possible. Download our Switch Kit now to get started.
Ready to Do This?
Smart Start Savings Just Makes Sense
Earn 4% APY* with Smart Start Savings when you join InRoads.
⌃Annual Percentage Yield (APY) is accurate as of 4/1/2026. Rate may change after the account is opened. In order to qualify for the $50 bonus, the referred friend must not be a current member of InRoads. They will need to qualify for membership and open a Smart Start Savings with a minimum opening deposit of $5 and a personal checking account with a minimum opening deposit of $50, and receive a direct deposit to the new account within 60 days of account opening or open a Business Savings with a minimum opening deposit of $5 and a Business Essentials or Rewards Checking account with a minimum opening deposit of $100, and receive $250 in deposits to that account within 60 days of the open date. After meeting these conditions, the $50 Bonus will be credited to accounts of the referring member and the referred friend approximately 60 days after account opening. Accounts must be open and in good standing in order to receive the Refer-a-Friend bonus. There is no limit to a member’s referral bonuses, but only one Smart Start Savings account is allowed per member. Cannot be combined with other offers for new membership. The Refer-a-Friend promotion is available for a limited time and subject to change without notice. Bonus may be reported on the appropriate tax form as required by the IRS.