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Journey Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.journeyfcu.org
989-227-3700
1200 Zeeb Dr
Saint Johns, MI 48879

Journey Federal Credit Union is headquartered in Saint Johns and is the 86th largest credit union in the state of Michigan. It is also the 1,344th largest credit union in the nation. It was established in 1972 and as of December of 2024, it had grown to 39 employees and 17,521 members at 3 locations. Journey Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

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

Reviews

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #20943
Year Chartered1972
Employees39
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8.3%
Annual Interest Income$7.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$179.6MM$175.4MM
LoansQ4 2024vs Q4 2023$115.9MM$110MM
DepositsQ4 2024vs Q4 2023$161.6MM$158.8MM
Equity CapitalQ4 2024vs Q4 2023$16.4MM$14.9MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.3MM$1.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$680K$946K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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.

Journey Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$150k*-Money Market Share Savings
OTHER TIERS: 1.25% → $2k - $50k | 1.40% → $50k - $150k

Journey Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.63%$0-Journey Dividend Checking
0.05%$500-Millennium Checking

Journey Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.60%$500-6 Month CD
3.60%$500-12 Month CD
3.55%$500-48 Month CD
3.50%$500-18 Month CD
3.50%$500-24 Month CD
3.50%$500-36 Month CD
3.45%$500-60 Month CD

Journey Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.60%$500-6 Month IRA
3.60%$500-12 Month IRA
3.55%$500-48 Month IRA
3.50%$500-18 Month IRA
3.50%$500-24 Month IRA
3.50%$500-36 Month IRA
3.45%$500-60 Month IRA
0.05%$1-IRA Share/Savings Account
Locations


Journey Federal Credit Union Locations
Branch Office1200 Zeeb DrSaint Johns, MI 48879-1150
Branch Office10667 E 2nd StFowler, MI 48835-5139
Branch Office1090 Baese CtOvid, MI 48866

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