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Journey Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 9, 2026
Journey Credit Union's top rates as of October 9, 2026 are 4.23% APY on its 6 Month Jumbo CD, 2.43% APY on savings, 3.04% APY on money market accounts, auto loans from 8.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Journey Credit Union CD rates include 12 Month Jumbo CD at 4.18%, 6 Month Premier CD at 4.13%, and 12 Month Premier CD at 4.07%. 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 3.72%. Rates last updated and verified on 10/09/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Journey Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.72%
ExcellentLower than avg
Journey Credit Union Texas Ratio
Journey Credit Union's Texas Ratio is 3.72%, which is considered excellent and is lower than the national average of 6.13%.
Journey Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.50% to 3.72% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Journey Credit Union CD Rates
Product
Rate
APY
Term
View More
6 Month Jumbo Certificate
4.15%
4.23%
6 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
12 Month Jumbo Certificate
4.10%
4.18%
12 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.18% ▲ 0.05 pts · high 4.18% / low 4.13%
Sep 18, 20264.18%▲ from 4.13%
Sep 14, 20264.13%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
6 Month Premier Certificate
4.05%
4.13%
6 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.13% ▲ 0.06 pts · high 4.13% / low 4.07%
Sep 18, 20264.13%▲ from 4.07%
Sep 14, 20264.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
12 Month Premier Certificate
4.00%
4.07%
12 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.07% ▲ 0.05 pts · high 4.07% / low 4.02%
Sep 18, 20264.07%▲ from 4.02%
Sep 14, 20264.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
12 Month Youth Certificate
3.95%
4.02%
12 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
Sep 18, 20264.02%▲ from 3.56%
Sep 14, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
6 Month Youth Certificate
3.95%
4.02%
6 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.02% ▲ 0.31 pts · high 4.02% / low 3.71%
Sep 18, 20264.02%▲ from 3.71%
Sep 14, 20263.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
24 Month Jumbo Certificate
3.90%
3.97%
24 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
Sep 18, 20263.97%▲ from 3.87%
Sep 14, 20263.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
13 Month Special Certificate
3.80%
3.87%
13 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
Sep 18, 20263.87%▲ from 3.82%
Sep 14, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
24 Month Premier Certificate
3.80%
3.87%
24 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
Sep 18, 20263.87%▲ from 3.82%
Sep 14, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
24 Month Youth Certificate
3.80%
3.87%
24 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
Sep 18, 20263.87%▲ from 3.56%
Sep 14, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
36 Month Jumbo Certificate
3.80%
3.87%
36 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
Sep 18, 20263.87%▲ from 3.76%
Sep 14, 20263.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
12 Month Certificate
3.70%
3.76%
12 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.76% ▲ 0.31 pts · high 3.76% / low 3.45%
Sep 18, 20263.76%▲ from 3.45%
Sep 14, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
18 Month Special Certificate
3.70%
3.76%
18 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.76% ▲ 0.05 pts · high 3.76% / low 3.71%
Sep 18, 20263.76%▲ from 3.71%
Sep 14, 20263.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
36 Month Premier Certificate
3.70%
3.76%
36 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
Sep 18, 20263.76%▲ from 3.66%
Sep 14, 20263.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
48 Month Jumbo Certificate
3.70%
3.76%
48 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.76% ▲ 0.05 pts · high 3.76% / low 3.71%
Sep 18, 20263.76%▲ from 3.71%
Sep 14, 20263.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
6 Month Certificate
3.70%
3.76%
6 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
Sep 18, 20263.76%▲ from 3.66%
Sep 14, 20263.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
IRA 36 Month Share Certificate
3.70%
3.75%
36 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
Sep 18, 20263.75%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
60 Month Jumbo Certificate
3.65%
3.71%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
48 Month Premier Certificate
3.60%
3.66%
48 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.66% ▲ 0.05 pts · high 3.66% / low 3.61%
Sep 18, 20263.66%▲ from 3.61%
Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
60 Month Premier Certificate
3.55%
3.61%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
24 Month Certificate
3.50%
3.56%
24 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35%
Sep 18, 20263.56%▲ from 3.35%
Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
36 Month Certificate
3.40%
3.45%
36 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
Sep 18, 20263.45%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
48 Month Certificate
3.30%
3.35%
48 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20%
Sep 18, 20263.35%▲ from 3.20%
Sep 14, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
60 Month Certificate
3.20%
3.25%
60 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20%
Sep 18, 20263.25%▲ from 3.20%
Sep 14, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Journey Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
2.40%
2.43%
Min Deposit$1,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.43% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Youth Savings Tier 2 =
1.50%
1.51%
Min Balance$5,000
Details$5,000.00+; Balance: $5,000.00+
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.26% → 1.51% ▲ 0.25 pts · high 1.51% / low 1.26%
Sep 22, 20261.51%▲ from 1.26%
Sep 14, 20261.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Basic Share Savings
1.30%
1.31%
Min Balance$5,000
DetailsBalance: Tier 2 = $5,000.00+
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.31% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Youth Savings Tier 1 =
1.25%
1.26%
Min Balance$0
Detailsup to $4,999.99; Balance: up to $4,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Basic Share Savings
0.75%
0.75%
Min Balance$0
DetailsBalance: Tier 1 = up to $4,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Journey Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Accounts - Tier 5
3.00%
3.04%
DetailsBalance: Tier 5
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Money Market Accounts - Tier 4
2.80%
2.84%
DetailsBalance: Tier 4
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Money Market Accounts - Tier 3
2.45%
2.48%
DetailsBalance: Tier 3
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.48% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Money Market Accounts - Tier 2
2.00%
2.02%
DetailsBalance: Tier 2
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Money Market Accounts - Tier 1
1.80%
1.81%
DetailsBalance: Tier 1
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.81% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Journey Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity
-
-
5.79%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.79% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Home Equity
-
-
6.39%
120 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.39% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Home Equity
-
-
6.59%
180 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.59% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Journey Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Automobiles
-
-
4.94%
60 months
DetailsModel Year: 2024 & Newer
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.94% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
5.04%
72 months
DetailsModel Year: 2024 & Newer
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.04% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
5.19%
84 months
DetailsModel Year: 2024 & Newer
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.19% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
5.19%
48 months
DetailsModel Year: 2021-2023
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.19% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
5.39%
60 months
DetailsModel Year: 2021-2023
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
5.59%
72 months
DetailsModel Year: 2021-2023
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
6.09%
48 months
DetailsModel Year: 2017-2020
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.09% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
6.19%
60 months
DetailsModel Year: 2017-2020
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.19% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
7.49%
48 months
DetailsModel Year: 2014-2016
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Automobiles
-
-
8.39%
36 months
DetailsModel Year: 2013 & older
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Signature/Vehicle Loan
-
-
8.99%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Journey Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicles (RV) & Watercraft Loan
-
5.79%
60 months
DetailsModel Year: 2024 & Newer*
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 5.79% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Motorcycles & ATVs Loan
-
5.99%
60 months
DetailsAdditional APR listed for this product: 6.49%. As Low As*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Recreational Vehicles (RV) & Watercraft Loan
-
5.99%
72 months
DetailsModel Year: 2024 & Newer*
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Recreational Vehicles (RV) & Watercraft Loan
-
6.29%
60 months
DetailsModel Year: 2020 - 2023*
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 6.29% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Motorcycles & ATVs Loan
-
6.49%
72 months
DetailsAs Low As*
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Recreational Vehicles (RV) & Watercraft Loan
-
6.79%
60 months
DetailsModel Year: 2016 - 2019*
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 6.79% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Motorcycles & ATVs Loan
-
6.99%
48 months
DetailsAdditional APR listed for this product: 7.99%. As Low As*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Recreational Vehicles (RV) & Watercraft Loan
-
7.79%
48 months
DetailsModel Year: 2015 & Older*
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 7.79% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Journey Credit Union Credit Card Rates
Product
Rate
APR
View More
MasterCard Platinum
-
9.90%
DetailsTerm: $5,000+ monthly household income to qualify
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
MasterCard Classic
-
11.90%
DetailsCondition: $500-$10,000.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 11.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Journey Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature/Vehicle Loan
8.99%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Signature Loan
9.99%
36 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Signature Loan
10.29%
48 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Personal Line of Credit
13.90%
DetailsCondition: $35/$1,000.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Journey Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Term Note Loan
-
-
11.99%
12 months
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Holiday Accounts
0.75%
-
0.75%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.72%
Financial Health History
Journey Credit Union’s Texas Ratio fell from 5.50% in Q3 2023 to 3.72% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$98M
3.72%
5.0
A+
March 31, 2026
$96M
4.63%
5.0
A+
December 31, 2025
$93M
6.49%
5.0
A
September 30, 2025
$92M
5.54%
5.0
A+
June 30, 2025
$93M
5.59%
5.0
A+
March 31, 2025
$91M
4.78%
5.0
A+
December 31, 2024
$88M
5.44%
5.0
A+
September 30, 2024
$88M
5.39%
5.0
A+
June 30, 2024
$86M
4.14%
5.0
A+
March 31, 2024
$86M
4.54%
5.0
A+
December 31, 2023
$84M
6.25%
5.0
A
September 30, 2023
$84M
5.50%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,227,556
Total Uninsured Shares and Deposits > $250K (F+J)
7,227,556
Total Insured Shares and Deposits > $250K (item 17 less item K)
73,133,380
Total Interest Expense (Sum of items 6 8)
819,890
Share Certificates
426
Number of Accounts for Share Drafts
3,049
IRA KEOGH Accounts
117
Number of Accounts for Regular Shares
7,546
All other shares
4,037
Money Market Shares
225
Net Income (unless the amount is already included in Undivided Earnings)
759,786
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,586,579
Total Liabilities
81,181,917
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Journey Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Journey Credit Union
Frequently Asked Questions About Journey Credit Union
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
12-Month CD3.76%
18-Month CD3.76%
24-Month CD3.56%
60-Month CD3.25%
Savings2.43%
MMA3.04%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
