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Inroads

PO Box 537, Saint Helens, OR 97051
NCUA Insured4.3 (176 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1938

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 537

Saint Helens, OR 97051

Service Area

This credit union is located in Saint Helens and serves members in the OR area. Currently serving 16,172 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

9.12%

Used Auto Loan

7.00%

Personal Loan

13.00%

Credit Card APR

18.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OR

Lowest rates currently reported by credit unions in OR (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.3

176 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Linda Hanson

Linda Hanson

7 months ago

I went in the credit union this morning and the line was so long I left and I came back about 2 in the afternoon and the line was just as long. It seemed people ahead of me had complicated problems: their card didn't work, they wanted to cash a check, and I can't remember what 1 lady had going on but she was there for a good 15 or 20 minutes. One of the workers did say that 2 people had called in but at 1 point the line went clear to the front door and the little seating area for people waiting to see a banker was full. 1 person in line said it felt like dmv. Tellers need the skill of ending a chit-chat session politely. One teller had someone looking over her shoulder so perhaps she was new. I offered to grab a chair out of one of the cubicles for a man standing in line with a cane.

Amber Yarbor

Amber Yarbor

6 months ago

I have been banking with InRoads for years and want to personally thank Kouriye for all of her help with my family’s banking and loan needs, she has gone above and beyond on several occasions and has made it very easy for us with how busy our schedules are! Thank you so much!!!

Kane

Kane

3 months ago

Haileyy @ InRoads was amazing to work with. Very concise and immediately helpful. Shout out to Haileyy!

Alisa Nunya

Alisa Nunya

10 months ago

I've been with St. Helens Credit Union, now Inroads for 47 years. Ever since the name change, acquiring needed help with my accounts is difficult. I was told by an employee to report fraudulent charges through thier phone number. This is the only option to report and request a refund. The first time I called I held for over three and a hours before I had to hang up. I have tried two more times since then. 15 minutes before I had to hang up, and now at 6 am, I have been on hold for an hour and counting. If you want service, look elsewhere.

Heidi Snider

Heidi Snider

a year ago

This Credit union advertises that there Universal all over the United States. I'm so upset they decline my card when I have travel alerts constantly. I travel for work in the country and outside of it. My reservations today were almost canceled because of the constant denied charge. Tons of time on fraud alert, travel notifications and lots of my time. I would not recommend this bank unless you live in Oregon only. They are not convenient and cause lots of stress when traveling. Very disappointed!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).