Routing Number:
323276346
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Turn Your Side Hustle Into a Main Character

INtroducing: The Side Hustle Business Bundle

Giving entrepreneurs the legit tools, confidence, and financial setup to grow on their terms.

Track Your Score with our Digital Banking Tools

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Find your credit score with our free SavvyMoney® tool and learn what you might do to improve it.

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    Instant report and analysis.

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    Up-to-date credit score.

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    Fraud watch.

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    Won't impact your score.

A Higher Score Can Put Your Finances in a Better Place

So why the big fuss over credit scores? Great question. Your score - somewhere between 300 (ouch) to 850 (yay) - can determine your loan rates, whether you qualify for a certain credit card, and whether you can obtain insurance or lease an apartment. It can even impact your job search. The biggest factors include your history of using debt and your consistency in paying your bills on time.

So what can you do about it?

You can view your score whenever you want with SavvyMoney®. Just log in to Digital Banking from any computer and you’ll see your current score highlighted in the middle portion of your dashboard. Or find SavvyMoney® in the mobile app by clicking “more" and selecting "Free Credit Score."

What is SavvyMoney?

SavvyMoney® is a free member resource that shows you how your credit is doing and gives you the tools to improve it. And, it's already available to you within Digital Banking.

To take a deeper dive, simply click on your score where you’ll find:

  • Total balances on your credit accounts
  • Recently added credit
  • Creditor inquiries 
  • Credit monitoring
  • What-if scenarios 
  • Full credit report analysis
  • Breakdown of credit usage

†Annual Percentage Yield (APY) accurate as of 1/17/2024. Rate tiers are as follows:   4.00% APY applies to balances of $.01-$15,000 and 3.50-0.25% 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.


InRoads Credit Union offers convenient branches in Hillsboro, Rainier, Scappoose and St. Helens Oregon.