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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Journey Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 24, 2026
Journey Credit Union's 6 month Jumbo CDs rates are at 4.23%, 12 month Jumbo CDs rates are at 4.13%, Premier CDs 6 month rates are at 4.07%, Premier CDs 12 month rates are at 4.02%, 24 month Jumbo CDs rates are at 3.87%. Journey Credit Union's savings rates are at 0.85%. Journey Credit Union's money market rates are at 1.66%. Journey Credit Union's Personal Loan Rates are at 13.90%. MonitorBankRates evaluates the financial stability of Journey Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.71%. Rates were last updated on 03/24/2026. Journey Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Journey Credit Union? Share your experience about Journey Credit Union by leaving a review below, or read customer reviews before you decide to use Journey Credit Union. 
Journey Credit Union CD Rates
Journey Credit Union Savings Rates
Journey Credit Union Money Market Rates
Journey Credit Union Home Equity & HELOC
Journey Credit Union Credit Card Rates
Journey Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Journey Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Journey Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Journey Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Journey Credit Union
Website
https://www.journeycu.org
Address
1400 2nd Ave,
Des Moines, IA 50314 3403
Phone
515-243-8735
Fax
515-243-4423
President
Ted Crow
CEO
Rachel Ballenger
Full-Time Employees
15
Part-Time Employees
1
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.71%
Return on Assets (ROA)
1.1316%
Return on Equity (ROE)
6.7755%
Non-Performing Loans Ratio (NPL)
1.60%
Total Assets
91,655,658
Total Amount of Shares and Deposits
75,439,855
Total Shares and Deposits < 1 Year
70,071,167
Total Shares and Deposits 1 3 Years
3,404,297
Total Shares and Deposits > 3 Years
1,964,390
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,376,240
Total Uninsured Shares and Deposits > $250K (F+J)
4,376,240
Total Insured Shares and Deposits > $250K (item 17 less item K)
71,063,615
Total Interest Expense (Sum of items 6 8)
1,241,586
Share Certificates
417
Number of Accounts for Share Drafts
2,999
IRA KEOGH Accounts
120
Number of Accounts for Regular Shares
5,833
All other shares
4,405
Money Market Shares
207
Net Income (unless the amount is already included in Undivided Earnings)
1,037,172
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,780,132
Total Liabilities
76,235,346
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Journey Credit UnionIs Journey Credit Union a safe place to deposit money?Yes, Journey Credit Union is considered a safe financial institution. With a Texas Ratio of 5.7122535049056%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Journey Credit Union operate?Journey Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Journey Credit Union?Yes, to access services at Journey Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Journey Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Journey Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Journey Credit Union offer online and mobile banking?Most modern institutions like Journey Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.journeycu.org. Current Journey Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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