Journey Credit Union

Saint Johns, Michigan
Last verified: August 4, 2026
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Verified rate book

Current Journey Credit Union rates

52 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

6 offers
Journey Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loan (2022–2027)auto4.490% APR4.490%—Standard
Auto Loan (2015–2021)auto4.990% APR4.990%—Standard
Motorcycle, ATV, UTV, Snowmobile, etc.motorcycle7.490% APR7.490%—Standard
Boat/RV Loanboat7.490% APR7.490%—Standard
Recreational Vehicle Loan Rates (Motorcycle, ATV, UTV, Snowmobile, etc.)rv7.490% APR7.490%—Standard
RV Loan (2015–2021)rv8.490% APR8.490%—Standard

HELOC rates

7 offers
Journey Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loan (Fixed)heloc_fixed5.750% APR5.750%—Standard
Premium HELOCheloc_variable7.750% APR7.750%—Standard
Minimum: $5,000 Max: $100,000 or 80% loan to value.heloc7.750% APR7.750%—Standard
Premium HELOC 81% Plusheloc_variable8.750% APR8.750%—Standard
Minimum: $5,000 Max: $100,000 or 80.01% loan to value.heloc8.750% APR8.750%—Standard
Premium HELOC 91% Plusheloc_variable9.750% APR9.750%—Standard
Minimum: $5,000 Max: $100,000 or 90.01% loan to value.heloc9.750% APR9.750%—Standard

Personal loan rates

6 offers
Journey Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share or CD Securedpersonal_secured2.500% APR2.500%—Standard
Unsecured Personal Loanpersonal_unsecured10.500% APR10.500%—Standard
36-Month Signature Loanpersonal_unsecured_36mo10.500% APR10.500%36 moStandard
Credit Starter Loanpersonal_unsecured_12mo12.000% APR12.000%12 moStandard
Personal Line of Creditploc_variable13.000% APR13.000%—Standard
Quick Cash Loanpersonal_unsecured_4mo18.000% APR18.000%4 moStandard

Credit card rates

3 offers
Journey Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Mastercard Securedcredit_card_secured8.500% APR8.500%—Standard
Credit Cardcredit_card8.500% APR8.500%—Standard
Platinum Credit Cardcredit_card_platinum8.500% APR8.500%—Standard

Savings & CD rates

23 offers
Journey Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
$100.00 and Oversavings0.05% APY0.05%—Standard
$5.00 and Oversavings0.05% APY0.05%—Standard
$500.00 and Oversavings0.05% APY0.05%—Standard
Journey Dividend Checkingsavings0.62% APY0.62%—Standard
$2,000.00 To $49,999.99savings1.14% APY1.14%—Standard
$50,000.00 To $149,999.99savings1.34% APY1.34%—Standard
$150,000.00 and Oversavings1.74% APY1.74%—Standard
24-Month Certificatecd_24mo3.34% APY3.34%24 moStandard
60-Month Certificatecd_60mo3.34% APY3.34%60 moStandard
48-Month Certificatecd_48mo3.34% APY3.34%48 moStandard
18-Month Certificatecd_18mo3.34% APY3.34%18 moStandard
36-Month Certificatecd_36mo3.34% APY3.34%36 moStandard
24-Month IRA Certificateira_cd_24mo3.40% APY3.34%24 moStandard
60-Month IRA Certificateira_cd_60mo3.40% APY3.34%60 moStandard
48-Month IRA Certificateira_cd_48mo3.40% APY3.34%48 moStandard
36-Month IRA Certificateira_cd_36mo3.40% APY3.34%36 moStandard
18-Month IRA Certificateira_cd_18mo3.40% APY3.34%18 moStandard
12-Month Certificatecd_12mo3.44% APY3.44%12 moStandard
6-Month Certificatecd_6mo3.44% APY3.44%6 moStandard
6-Month IRA Certificateira_cd_6mo3.50% APY3.44%6 moStandard
12-Month IRA Certificateira_cd_12mo3.50% APY3.44%12 moStandard
$29.97savings4.99% APY4.99%—Standard
$200,000cd_120mo5.75% APY5.75%120 moStandard

Other rates

7 offers
Journey Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
($1 Minimum Balance To Earn Dividends)**other0.050% %0.050%—Standard
Over Rate Paidother2.500% %2.500%—Standard
Current Ratesother3.500% %3.500%—Standard
(Prime Plus 1%)other7.750% %7.750%—Standard
Revolvingother8.500% %8.500%—Standard
(Prime Plus 2%)other8.750% %8.750%—Standard
(Prime Plus 3%)other9.750% %9.750%—Standard

Vehicle loans available from 4.49% APR. HELOC rates from 5.75% APR. Personal loan rates from 2.5% APR. Credit card rates from 8.5% APR. Savings and certificate yields up to 5.75% 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
17.2K
Assets
$189.6M
Founded
1972
Locations reported
4
NCUA charter
20943
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Student scholarships
  • Credit-builder products
  • Payday Alternative Loans I

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.

LAFCUSt. Johns · Saint Johns · MI · 48879Branch in the same ZIPAdventureLindsey · Dewitt · MI · 48820About 9.9 miles awayLake TrustDewitt · Dewitt · MI · 48820About 9.9 miles awayPFCUWestphalia Office · Westphalia · MI · 48894-9838About 12.2 miles awayConsumers ProfessionalCPCU-Lansing · Lansing · MI · 48906-4745About 15.1 miles awayCaseLake Lansing Branch · East Lansing · MI · 48823-7347About 17.8 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.

Membership criteria are published on Journey Credit Union's website. Check the membership page below to confirm whether you qualify.

  • LocationClinton, Gratiot — MI

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

Work at Journey Credit Union?

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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, boat & motorcycle loan rates?

As of August 4, 2026, Journey Credit Union offers vehicle loans from 4.49% 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 2.5% 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 5.75% APY.

Related Rate Data

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

More Michigan 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/michigan/journey" \
  -H "Authorization: Bearer YOUR_API_KEY"
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