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Journey Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
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 7/18/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 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.

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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #20943
Year Chartered1972
Employees38
Primary Regulator
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD14.43%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$183.6MM$178.9MM
LoansQ1 2025vs Q1 2024$112.8MM$110.2MM
DepositsQ1 2025vs Q1 2024$164.3MM$162MM
Equity CapitalQ1 2025vs Q1 2024$17.1MM$15.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.2MM$1.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$465K$590K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
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 7/18/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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: 1.15% → $2k - $50k | 1.35% → $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
3.50%$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 IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-6 Month IRA
3.50%$500-12 Month IRA
3.40%$500-18 Month IRA
3.40%$500-24 Month IRA
3.40%$500-36 Month IRA
3.40%$500-48 Month IRA
3.40%$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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