FAQs

To join InRoads Credit Union, you simply need to live, work, attend school, volunteer, or worship in Columbia, Clatsop, Cowlitz, Multnomah, and Washington Counties. You can also join if you have immediate family who are existing InRoads members, including your spouse, child, stepchild, grandchild, parent, stepparent, grandparent, or sibling 

323276346

Your member/account number are available in Digital Banking. To find yours, just select the account you want and then choose Account Details.

You can order checks for your checking account via Digital Banking, call/text us at 503.397.2376, using InRoads LIVE or by visiting any InRoads branch.

You can transfer money to or from an external account within Digital Banking:

Institution to Institution (i2i): Transfer from your InRoads account into or out of another financial institution.

Zelle^®: A fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. You can use just an email address or U.S. mobile phone number to send money to people you trust.

Business Members can initiate Wire Transfers from their InRoads account to almost anywhere.

If you suspect fraud on your account, it's important to act quickly. You should call us directly at 503.397.2376 to report the issue. We take your financial security seriously and will help you sort it out. Remember, InRoads will never ask for your account number, card number, or Digital Banking login over the phone or via text. If you receive such a request, hang up and call us immediately.

Yes, your deposits at InRoads are insured. All deposits at federally insured credit unions, including InRoads, are protected by the National Credit Union Share Insurance Fund for up to $250,000 per individual depositor. 

To update your contact information, you can log into Digital Banking and start a secured chat with us, or contact us via InRoads LIVE. Alternatively, you can stop by one of our branches in person.

Your new card will be on its way to your mailbox in about 7-10 business days. Be sure to look for an unmarked envelope. Once you receive your card, don't forget to activate it right away to start using it.

If you've lost or misplaced your InRoads debit or credit card, or if it was stolen, you should reach out to us immediately using InRoads LIVE or by phone at 503.397.2376 so that we can cancel your card(s) and protect your accounts. You can also turn your cards off and report them as lost or stolen using Card Controls in Digital Banking. 

You can customize your debit card at no extra cost by using your favorite photo to build a card that is just your style! Additionally, you have the option to support local schools through the Team Up for Schools debit card program.

Placing a travel notice is easy! Simply login to Digital Banking and select Cards from the More menu.

We recommend getting pre-qualified with a mortgage lender first. Once you’re pre-qualified for a mortgage, you’ll be able to shop with confidence. You’ll know exactly how much you’re able to purchase.

There are a couple of reasons to get prequalified for a mortgage. First, you'll find out how much you can comfortably afford which can help when looking for homes. Second, having a prequalification before making an offer may give you an edge over other buyers. To get started, click here.

Lenders require several documents when applying for a mortgage. Have your pay stubs, W-2s, tax returns, bank statements, investment account statements and brokerage account information ready. Your lender will also provide a list of required documents so you can gather them ahead of time. Be sure to send everything in a timely manner to help keep things moving.

You’ll need to take several things into account when determining how much you can comfortably afford. Consider how much you make, your monthly expenses, how much money you have saved, how much you can put towards a down payment, current interest rates and current home values.

Your debt-to-income ratio compares your gross monthly income with how much you owe each month (e.g. your estimated mortgage, credit cards, student loans and car loans). To get this ratio, divide your monthly expenses by your gross monthly income. This number turns into a percentage and becomes your debt-to-income ratio. Lenders typically want the number to be below 43%, but some programs allow it to be higher. Your lender can help you determine your debt-to-income ratio and review which loan programs you may qualify for.

Your credit score is one of the heavily assessed factors when determining if you qualify for a loan. When providing a loan, the lender needs to make sure that the borrower will repay the loan properly, and that the borrower has a positive history of repayment. Your credit score shows a decent representation of a borrower’s ability to make payments on time!

Your credit score plays an important role in determining whether or not you qualify for a loan, as well as the type of loan you may qualify for and the interest rate. Lenders use your credit score to determine risk. While higher credit scores usually mean better rates, you may still qualify for a mortgage loan even if your score is less than perfect.

Before you apply for a mortgage, check your credit report and make sure it is accurate. If you find any issues, take care of them immediately, as this can take a while. Contact the credit bureaus and provide any information they require so you can clean up your report and improve your credit score. Make sure to pay all of your bills on time as well.

When purchasing a home and getting a loan, the down payment is the money you pay upfront. This amount goes toward the total principal which lowers the amount of your mortgage. Putting a higher amount down may lower your interest rate and build equity in your home faster.

Down payment amounts vary depending on the type of loan. For example, if you're going with a conventional loan the down payment is 20%. However, you can put less down, but you must pay private mortgage insurance (PMI). Some loan types may require less of a down payment, such as only a 3% to 5% down payment. Federal Housing Administration (FHA) loans require a 3.5% down payment, while the U.S. Department of Veterans Affairs (VA) loans may not require any money down.

PMI is for conventional loans and covers the lender if you stop paying your mortgage and default on your loan. It is usually required when the down payment is less than 20% of the homes appraised value or sales price. PMI is typically paid monthly as part of the mortgage payment. It is paid to the lender, usually through an escrow account. It is often no longer required once the borrower has made enough timely payments to have sufficient equity in the property. 

It typically takes 30 to 60 days to get a mortgage, though it can take longer. Having all your documents and information ready and working closely with a mortgage lender will help move things along more quickly.

Lenders may have their fees structured or named differently from one another, but you should generally expect these: Origination fee, Office admin & underwriting fees, Document preparation fees, Application fee, Appraisal fee, Title & Escrow fees, Credit report fee. After applying, you can ask your Real Estate Loan Officer for a Loan Estimate or Fee Worksheet with fees included.

Refinancing is the process of replacing an existing debt obligation with a new one that has different terms and conditions. Refinancing can be done for a variety of reasons, including: Taking advantage of a lower interest rate, Debt Consolidation, to free up cash or to change your loan type.

People often choose to refinance when refinancing will save them money monthly or over the life of the whole loan. People usually refinance when interest rates for mortgages have dropped overall, your credit score has improved, or you can afford to shorten the term of your mortgage to save money on interest overall.