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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 32nd largest credit union in the state of Iowa. It is also the 2,133rd largest credit union in the nation. It was established in 1954 and as of March of 2020, it had grown to 15 employees and 5,237 members at 2 locations. Journey Credit Union's money market rates are 93% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership to Tradesmen Community Credit Union is open to any who works or lives in the following counties: Boone, Dallas, Jasper, Madison, Marion, Polk, Story and Warren. Additionally, those who belong to a local trade union are also eligible.
See current membership details

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Health
B+

Data as of Q1 2020

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
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD5.88%
Annual Interest Income$638.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$62.4MM$60.4MM
LoansQ1 2020vs Q1 2019$30.9MM$29.8MM
DepositsQ1 2020vs Q1 2019$53.1MM$51.3MM
Equity CapitalQ1 2020vs Q1 2019$9.0MM$8.5MM
Loan Loss AllowanceQ1 2020vs Q1 2019$331.00K$283.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$461.00K$489.00K
Real Estate OwnedQ1 2020vs Q1 2019$16.00K$17.00K
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
0.65%$1k-IRA Share
0.30%*$5k*-Youth Savings Accounts
OTHER TIERS: 0.20% → $100 - $5k
0.25%*$5k*-Basic Share Savings
OTHER TIERS: 0.10% → $100 - $5k
0.20%--Holiday Savings Account

Journey Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$90k*-Money Market Account
OTHER TIERS: 0.40% → $5k - $25k | 0.50% → $25k - $50k | 0.70% → $50k - $90k

Journey Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$60k-60 Month Jumbo Share Certificate
1.11%$60k-48 Month Jumbo Share Certificate
1.00%$2.5k-60 Month Share Certificate
1.00%$60k-36 Month Jumbo Share Certificate
0.95%$2.5k-48 Month Share Certificate
0.90%$60k-24 Month Jumbo Share Certificate
0.85%$2.5k-36 Month Share Certificate
0.85%$10k-18 Month Share Certificate Special
0.85%$1k-24 Month Youth Share Certificate
0.80%$60k-12 Month Jumbo Share Certificate
0.80%$1k-12 Month Youth Share Certificate
0.75%$10k-13 Month Share Certificate Special
0.70%$2.5k-24 Month Share Certificate
0.70%$1k-6 Month Youth Share Certificate
0.65%$2.5k-12 Month Share Certificate
0.60%$60k-6 Month Jumbo Share Certificate
0.45%$2.5k-6 Month Share Certificate

Journey Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$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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