2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 20943
Date Established 1972
Assets $122.86 million
Loans $63.96 million
Deposits $109.97 million
Capital $12.12 million

Journey is an NCUA insured institution located in Saint Johns, MI. It was founded in 1972 and has approximately $122.86 millions in assets.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Clinton, Gratiot or Shiawassee County.

Deposit Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
1.10% $2,500 $9,999 Learn MoreShow Less
Money Market
1.20% $10,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.70% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.40% $500 - Learn MoreShow Less
12 Mo CD
1.70% $500 - Learn MoreShow Less
Special: 14 Mo CD
1.40% $2,500 - Learn MoreShow Less
18 Mo CD
1.80% $500 - Learn MoreShow Less
24 Mo CD
2.05% $500 - Learn MoreShow Less
36 Mo CD
2.30% $500 - Learn MoreShow Less
48 Mo CD
2.40% $500 - Learn MoreShow Less
60 Mo CD
2.60% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 - Learn MoreShow Less

Loan Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for JOURNEY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
3.641% 3.625% 0.25 $502 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.530% 3.500% 0.38 $940 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to JOURNEY
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Journey branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Journey Locations


Financial Details

Journey Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Journey. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Journey U.S. Average
4.94% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Journey had $604,662 in non-current loans and $15,000 in owned assets. To cover these potential losses it had $12,121,566 in net worth and $426,770 in loans loss reserves. That gives it a Texas Ratio of 4.94%.

Net Worth
Journey U.S. Average
9.86% 13.47%

Journey FCU has a net worth of 9.86% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Journey

Branches and Savings

What is Journey?

A federal credit union, registered with the NCUA under certificate #20943.
Learn more about credit unions here.

Is Journey FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Journey?

Please see Field of Membership information above for information on who is eligible to join.

What are Journey's share account and share certificate rates?

Journey's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Journey?

Journey has total capital of $12.12 million. Full information on Journey's financial position is located above.

Who owns Journey?

Credit Unions are owned by their members.

Where are Journey branches located?

See branch locations nearby.

Are Journey ATMs Open 24/7?

Do Journey ATMs accept cash deposits?

Can Journey customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Journey have a mobile app?

Does Journey have mobile deposit?

Does Journey have quick pay?

How can Journey transfer money to other banks or credit unions?

Does Journey report to credit bureaus?

Does Journey use Chexsystems?

Does Journey use Equifax?

What is Journey's toll free phone number?

What is Journey's ACH Routing Number?

What is Journey's SWIFT code?

Where can I find Journey's wire transfer form?

What is the Journey address for deposits?

What Products Does Journey Offer

Does Journey offer mortgages?

Compare mortgage rates here.

Does Journey offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Journey offer auto and RV loans?

Compare auto loan rates here.

Does Journey offer student loans or personal loans?

Compare personal loan rates here.

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