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 90^th largest credit union in the state of Michigan. It is also the 1,478^th largest credit union in the nation. It was established in 1972 and as of December of 2018, it had grown to 45 employees and 16,915 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.
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Health

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	20943
Year Chartered	1972
Employees	45
Primary Regulator

Profit Margin
Return on Assets - YTD	0.65%
Return on Equity - YTD	6.7%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$116.2MM$112.4MM
Loans	Q4 2018vs Q4 2017	$62.6MM$58.4MM
Deposits	Q4 2018vs Q4 2017	$104.5MM$100.5MM
Equity Capital	Q4 2018vs Q4 2017	$11.1MM$11.1MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$653.00K$642.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$346.00K$748.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$15.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

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
1.30%^*	$50k^*	-	Money Market Share Savings
OTHER TIERS: 1.10% → $2.5k - $10k \| 1.20% → $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
2.75%	$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

APY	MIN	MAX	ACCOUNT NAME
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

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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