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Journey Credit Union


Overview / Commentary
www.journeycu.org
515-243-8735
1400 2nd AvE
Des Moines, IA 50314

Journey Credit Union is headquartered in Des Moines and is the 34th largest credit union in the state of Iowa. It is also the 1,963rd largest credit union in the nation. It was established in 1954 and as of June of 2024, it had grown to 13 employees and 5,059 members at 2 locations. Journey Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Journey Credit Union membership is open to anyone who lives or works in the Iowa counties of Boone, Dallas, Jasper, Madison, Marion, Polk, Story, or Warren.
See current membership details

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Health
B+

Data as of Q2 2024

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Journey Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #64361
Year Chartered1954
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.91%
Return on Equity - YTD12%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$86.3MM$84.7MM
LoansQ2 2024vs Q2 2023$49.5MM$45.4MM
DepositsQ2 2024vs Q2 2023$71.5MM$71.9MM
Equity CapitalQ2 2024vs Q2 2023$13.7MM$12.1MM
Loan Loss AllowanceQ2 2024vs Q2 2023$426K$380K
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$581K$569K
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Journey Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.96%$1k-IRA Share
1.26%*$5k*-Youth Savings Accounts
OTHER TIERS: 0.85% → $100 - $5k
1.21%*$5k*-Basic Share Savings
OTHER TIERS: 0.75% → $100 - $5k
0.85%$0-Holiday Savings Account

Journey Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.14%*$150k*-Money Market Account
OTHER TIERS: 2.02% → $5k - $25k | 2.43% → $25k - $50k | 2.63% → $50k - $90k | 2.94% → $90k - $150k

Journey Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.70%$100k-6 Month Jumbo Share Certificate
4.49%$60k$100k6 Month Premier Share Certificate
4.44%$100k-12 Month Jumbo Share Certificate
4.33%$500-6 Month Youth Share Certificate
4.33%$60k$100k12 Month Premier Share Certificate
4.23%$500-12 Month Youth Share Certificate
4.07%$10k-13 Month Share Certificate Special
4.02%$2.5k-12 Month Share Certificate
3.97%$2.5k-6 Month Share Certificate
3.97%$10k-18 Month Share Certificate Special
3.97%$100k-24 Month Jumbo Share Certificate
3.92%$100k-36 Month Jumbo Share Certificate
3.92%$60k$100k24 Month Premier Share Certificate
3.87%$60k$100k36 Month Premier Share Certificate
3.82%$100k-48 Month Jumbo Share Certificate
3.76%$60k$100k48 Month Premier Share Certificate
3.71%$2.5k-24 Month Share Certificate
3.71%$100k-60 Month Jumbo Share Certificate
3.66%$500-24 Month Youth Share Certificate
3.66%$60k$100k60 Month Premier Share Certificate
3.56%$2.5k-36 Month Share Certificate
3.40%$2.5k-48 Month Share Certificate
3.20%$2.5k-60 Month Share Certificate

Journey Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$1k-36 Month IRA
Locations


Journey Credit Union Locations
Branch Office2930 SE 14th StDes Moines, IA 50320-1121
Branch Office1400 2nd AvEDes Moines, IA 50314-3403

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