Journey Federal Credit Union is headquartered in Saint Johns and is the 85th largest credit union in the state of Michigan. It is also the 1,338th largest credit union in the nation. It was established in 1972 and as of March of 2025, it had grown to 38 employees and 17,241 members at 3 locations. Journey Federal Credit Union's money market rates are 4X the national average, and it has an A health rating.
Membership in Journey Federal Credit Union is open to those who live, work, worship, or attend school in the Michigan counties of Clinton, Gratiot, or Shiawassee.
See current membership details
Overall | |
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NCUA # | 20943 |
Year Chartered | 1972 |
Employees | 38 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.36% |
Return on Equity - YTD | 14.43% |
Annual Interest Income | $2.1MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $183.6MM$178.9MM |
Loans | Q1 2025vs Q1 2024 | $112.8MM$110.2MM |
Deposits | Q1 2025vs Q1 2024 | $164.3MM$162MM |
Equity Capital | Q1 2025vs Q1 2024 | $17.1MM$15.2MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.2MM$1.1MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $465K$590K |
Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Journey Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.05% | $100 | - | Regular Share Savings | |
0.05% | $5 | - | Youth Share Savings | |
0.05% | $100 | - | Life Share Savings |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
1.75%* | $150k* | - | Money Market Share Savings | ||
OTHER TIERS: 1.15% → $2k - $50k | 1.35% → $50k - $150k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.63% | $0 | - | Journey Dividend Checking | |
0.05% | $500 | - | Millennium Checking |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
3.50% | $500 | - | 6 Month CD | |
3.50% | $500 | - | 12 Month CD | |
3.40% | $500 | - | 18 Month CD | |
3.40% | $500 | - | 24 Month CD | |
3.40% | $500 | - | 36 Month CD | |
3.40% | $500 | - | 48 Month CD | |
3.40% | $500 | - | 60 Month CD |
Journey Federal Credit Union Locations | ||
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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 |