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Journey Federal Credit Union

Overview / Commentary
1200 Zeeb Dr
Saint Johns, MI 48879-1150

Journey Federal Credit Union is headquartered in Saint Johns and is the 87th largest credit union in the state of Michigan. It is also the 1,456th largest credit union in the nation. It was established in 1972 and as of March of 2019, it had grown to 43 employees and 16,978 members at 3 locations. Journey Federal Credit Union's money market rates are 3X 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.
See current membership details


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Health Grade Components

NCUA #20943
Year Chartered1972
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.45%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$122.9MM$115.0MM
LoansQ1 2019vs Q1 2018$64.0MM$58.5MM
DepositsQ1 2019vs Q1 2018$110.0MM$103.0MM
Equity CapitalQ1 2019vs Q1 2018$12.0MM$11.3MM
Loan Loss AllowanceQ1 2019vs Q1 2018$427.00K$518.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$331.00K$544.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

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

1.30%*$50k*-Money Market Share Savings
OTHER TIERS: 1.10% $2.5k - $10k | 1.20% $10k - $50k

Journey Federal Credit Union Checking Account Rates

0.05%$500-Millennium Checking

Journey Federal Credit Union CD Rates

2.75%$500-60 Month CD
2.55%$500-48 Month CD
2.35%$500-36 Month CD
2.05%$500-24 Month CD
1.80%$500-18 Month CD
1.70%$500-12 Month CD
1.40%$500-6 Month CD
1.40%$2.5k-No Penalty 14 Month CD
1.10%$25-1 Year Super Saver Certificate

Journey Federal Credit Union IRA Rates

2.75%$500-60 Month IRA
2.55%$500-48 Month IRA
2.35%$500-36 Month IRA
2.05%$500-24 Month IRA
1.80%$500-18 Month IRA
1.70%$500-12 Month IRA
1.40%$500-6 Month IRA
1.40%$2.5k-No Penalty 14 Month IRA
1.10%$25-1 Year Super Saver IRA Certificate

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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