Journey Credit Union

Des Moines, Iowa
Last verified: August 4, 2026
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Verified rate book

Current Journey Credit Union rates

59 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

12 offers
Journey Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Auto Loanauto_any_60mo4.940% APR4.940%60 moStandard
72-Month Auto Loanauto_any_72mo5.040% APR5.040%72 moStandard
84-Month Auto Loan (2024 and Newer)auto_any_84mo5.190% APR5.190%84 moStandard
48-Month Auto Loanauto_any_48mo5.190% APR5.190%48 moStandard
Recreational Vehicles (RV) & Watercraft (60 months)rv_any_60mo5.790% APR5.790%60 moStandard
Motorcycles & ATVs (60 months)motorcycle_any_60mo5.990% APR5.990%60 moStandard
Recreational Vehicles (RV) & Watercraft (72 months)rv_any_72mo5.990% APR5.990%72 moStandard
Motorcycles & ATVs (72 months)motorcycle_any_72mo6.490% APR6.490%72 moStandard
Motorcycles & ATVs (48 months)motorcycle_any_48mo6.990% APR6.990%48 moStandard
Recreational Vehicles (RV) & Watercraft (48 months)rv_any_48mo7.790% APR7.790%48 moStandard
36-Month Auto Loan (2013 and Newer)auto_any_36mo8.390% APR8.390%36 moStandard
Signature/Vehicleauto8.990% APR8.990%—Standard

HELOC rates

6 offers
Journey Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity (Initial rate fixed for 12 months)heloc_fixed5.750% APR5.750%—Standard
HELOC (Variable)heloc_variable5.750% APR5.750%—Standard
5-Year Home Equity Loanheloc5.790% APR5.790%—Standard
Home Equity Loanheloc5.790% APR5.790%—Standard
10-Year Home Equity Loanheloc6.390% APR6.390%—Standard
15-Year Home Equity Loanheloc6.590% APR6.590%—Standard

Personal loan rates

5 offers
Journey Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Shared Securedpersonal_secured_60mo4.250% APR4.250%60 moStandard
Shared Securedpersonal_secured_120mo5.250% APR5.250%120 moStandard
36-Month Signature Loanpersonal_unsecured_36mo9.990% APR9.990%36 moStandard
48-Month Signature Loanpersonal_unsecured_48mo10.290% APR10.290%48 moStandard
Personal Line of Creditploc_variable13.900% APR13.900%—Standard

Credit card rates

2 offers
Journey Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum9.900% APR9.900%—Standard
MasterCard Classiccredit_card11.900% APR11.900%—Standard

Savings & CD rates

33 offers
Journey Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Holiday Accountsavings0.75% APY0.75%—Standard
Tier 1savings0.85% APY0.85%—Standard
Tier 2savings1.20% APY1.20%—Standard
IRAira2.15% APY2.15%—Standard
Tier 3savings2.35% APY2.35%—Standard
Tier 4savings2.65% APY2.65%—Standard
Tier 5savings2.85% APY2.85%—Standard
60-Month Certificatecd_60mo3.20% APY3.20%60 moStandard
48-Month Certificatecd_48mo3.20% APY3.20%48 moStandard
36-Month Certificatecd_36mo3.25% APY3.25%36 moStandard
24-Month Certificatecd_24mo3.35% APY3.35%24 moStandard
12-Month Certificatecd_12mo3.45% APY3.45%12 moStandard
36-Month IRA Certificateira_cd_36mo3.50% APY3.50%36 moStandard
Youth Certificates (12 months)cd_12mo3.50% APY3.50%12 moEligibility restricted
Youth Certificates (24 months)cd_24mo3.50% APY3.50%24 moEligibility restricted
Premier Certificates (60 months)cd_60mo3.55% APY3.55%60 moStandard
Premier Certificates (48 months)cd_48mo3.55% APY3.55%48 moStandard
Premier Certificates (36 months)cd_36mo3.60% APY3.60%36 moStandard
Youth Certificates (6 months)cd_6mo3.65% APY3.65%6 moEligibility restricted
Jumbo Certificates (48 months)cd_48mo3.65% APY3.65%48 moStandard
18-Month Certificatecd_18mo3.65% APY3.65%18 moStandard
Jumbo Certificates (60 months)cd_60mo3.65% APY3.65%60 moStandard
6-Month Certificatecd_6mo3.66% APY3.66%6 moStandard
Jumbo Certificates (36 months)cd_36mo3.70% APY3.70%36 moStandard
18-Month Certificatecd_18mo3.71% APY3.71%18 moStandard
Premier Certificates (24 months)cd_24mo3.75% APY3.75%24 moStandard
13-Month Certificatecd_13mo3.75% APY3.75%13 moStandard
Jumbo Certificates (24 months)cd_24mo3.80% APY3.80%24 moStandard
13-Month Certificatecd_13mo3.82% APY3.82%13 moStandard
Premier Certificates (12 months)cd_12mo3.95% APY3.95%12 moStandard
Premier Certificates (6 months)cd_6mo4.00% APY4.00%6 moStandard
Jumbo Certificates (12 months)cd_12mo4.05% APY4.05%12 moStandard
Jumbo Certificates (6 months)cd_6mo4.15% APY4.15%6 moStandard

Other rates

1 offer
Journey Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Term Noteother11.990% %11.990%—Standard

Vehicle loans available from 4.94% APR for 60 months. HELOC rates from 5.75% APR. Personal loan rates from 4.25% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 4.15% APY.

Source: RateAPI.dev, verified from Journey Credit Union's official website

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About Journey Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
5.2K
Assets
$96.2M
Founded
1954
Locations reported
2
NCUA charter
64361
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Des Moines MetroMain Office · Des Moines · IA · 50314-3121Branch in the same ZIPCapitol ViewMain office · Des Moines · IA · 50309About 1.5 miles awayCollins CommunityCourt Avenue Branch · Des Moines · IA · 50309About 1.5 miles awayCommunity ChoiceDowntown · Des Moines · IA · 50309-5457About 1.5 miles awayDes Moines Fire DepartmentDes Moines Fire Dept Credit Union · Des Moines · IA · 50309About 1.5 miles awayPolk CountyPolk County Credit Union · Des Moines · IA · 50309-2219About 1.5 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Journey Credit Union

Membership eligibility from Journey Credit Union's own published criteria. How we verify this.

Community charter: live/work in Polk, Story, Boone +5 more

  • LocationPolk, Story, Boone, Dallas, Madison, Warren, Marion, Jasper
  • Occupationlocal trade union

Cost to join: About $25.

Verified from Journey Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Journey Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Journey Credit Union ranks against Iowa peers.

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Frequently Asked Questions

What rates does Journey Credit Union offer?

Journey Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Journey Credit Union rates updated?

RateAPI verifies Journey Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Journey Credit Union's rate data?

Rate data is collected directly from Journey Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Journey Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Journey Credit Union offers vehicle loans from 4.94% APR.

What is Journey Credit Union's HELOC rate?

As of August 4, 2026, Journey Credit Union offers home equity lines of credit from 5.75% APR.

What is Journey Credit Union's personal loan rate?

As of August 4, 2026, Journey Credit Union offers personal loans from 4.25% APR.

What is Journey Credit Union's best CD rate?

As of August 4, 2026, Journey Credit Union offers savings and certificate (CD) yields up to 4.15% APY.

Related Rate Data

Compare Journey Credit Union's rates against national credit-union benchmarks.

More Iowa credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Journey Credit Union rates

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Access this data programmatically with our REST API

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# Get rates for Journey Credit Union
curl "https://api.rateapi.dev/credit-unions/iowa/journey" \
  -H "Authorization: Bearer YOUR_API_KEY"
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