Credit union · NCUA insured
InRoads Credit Union Credit Card Rates
InRoads Credit Union credit cards start at 13.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How InRoads Credit Union’s credit card rates compare
Compared with banks and credit unions near Portland, OR-WA, where InRoads Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
InRoads Credit Union
13.49%APR
- Up to
- 18.25% APR
Explore Rewards Visa
Lowest rate
Rivermark Community Credit Union
8.90%APR
- Up to
- 19.90% APR
2nd-lowest rate
Point West Credit Union
8.95%APR
- Up to
- —
InRoads Credit Union credit card score
66
Credit card score
Higher than 15% of U.S. banks and credit unions
- Purchase APRPurchase APR13.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where InRoads Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Embark Rewards Visa
Maximum $1,000 credit line limit. Earns rewards: 3% on gas and rideshare (first $5,000 in purchases within 12 months, then 1%), 2% on restaurants and groceries/travel, 1% on everything else. No annual fee. Penalty APR of 18% may apply if payment is more than 60 days late.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | APR for purchases. No annual fee. |
Explore Rewards Visa
Earns rewards: 3% on gas and rideshare (first $5,000 in purchases within 12 months, then 1%), 2% on restaurants and groceries, 1% on everything else. No annual fee. No balance transfer fee. $250 bonus if you spend $2,500 in the first 90 days. Penalty APR of 18% may apply if payment is more than 60 days late.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.24%–18.00% | None | Variable APR for purchases based on the Prime Rate. No annual fee. |
| Ongoing | 18.00% | None | APR for cash advances. No annual fee. |
Secure Visa
Secured by funds in savings. Helps build or rebuild credit. No annual fee. Penalty APR of 18% may apply if payment is more than 60 days late.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.00% | None | APR for Purchases and Balance Transfers. No annual fee. |
Sources (2)
All captured Oct 22, 2026
Who can join InRoads Credit Union
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