Journey Federal Credit Union

Overview / Commentary

www.journeyfcu.org

989-224-9511

1200 Zeeb Dr
Saint Johns, MI 48879-1150

Journey Federal Credit Union is headquartered in Saint Johns and is the 85^th largest credit union in the state of Michigan. It is also the 1,427^th largest credit union in the nation. It was established in 1972 and as of September of 2019, it had grown to 44 employees and 17,311 members at 3 locations. Journey Federal Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Clinton, Gratiot or Shiawassee County.
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Health

Data as of Q3 2019

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Health Grade Components

Overall
NCUA #	20943
Year Chartered	1972
Employees	44
Primary Regulator

Profit Margin
Return on Assets - YTD	0.59%
Return on Equity - YTD	5.84%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$124.6MM$113.8MM
Loans	Q3 2019vs Q3 2018	$70.7MM$62.2MM
Deposits	Q3 2019vs Q3 2018	$111.4MM$100.1MM
Equity Capital	Q3 2019vs Q3 2018	$12.6MM$11.8MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$462.00K$599.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$319.00K$349.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Journey Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$100	-	Regular Share Savings
0.05%	$5	-	Youth Share Savings
0.05%	$100	-	Life Share Savings

Journey Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.05%^*	$50k^*	-	Money Market Share Savings
OTHER TIERS: 0.95% → $2.5k - $10k \| 1.00% → $10k - $50k

Journey Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Millennium Checking

Journey Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.10%	$500	-	60 Month CD
2.00%	$500	-	48 Month CD
1.90%	$500	-	36 Month CD
1.80%	$500	-	24 Month CD
1.75%	$500	-	18 Month CD
1.70%	$500	-	12 Month CD
1.50%	$500	-	6 Month CD
1.45%	$2.5k	-	No Penalty 14 Month CD
1.20%	$25	-	1 Year Super Saver Certificate

Journey Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.10%	$500	-	60 Month IRA
2.00%	$500	-	48 Month IRA
1.90%	$500	-	36 Month IRA
1.80%	$500	-	24 Month IRA
1.75%	$500	-	18 Month IRA
1.70%	$500	-	12 Month IRA
1.50%	$500	-	6 Month IRA
1.45%	$2.5k	-	No Penalty 14 Month IRA
1.20%	$25	-	1 Year Super Saver IRA Certificate

Locations

Journey Federal Credit Union Locations
Branch Office	1200 Zeeb Dr	Saint Johns, MI 48879-1150
Branch Office	10667 E 2nd St	Fowler, MI 48835-5139
Branch Office	1090 Baese Ct	Ovid, MI 48866

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