Rates

The following represents our standard loan, savings and investement rates effective as of 07/22/2019

With qualifying credit, many times we can meet or beat a rate quoted elsewhere!
We also run unadvertised specials from time to time.  Be sure to call!

"Term" represents the maximum number of months for this type of loan.

*Certain Home Equity fees and appraisal costs may apply.

** Annual Percentage Rate

All Rates, APR's, and APY's stated as a percentage (%).

LOANSRatesAPR**Term
New Auto - 84 Months 4.75 4.75 84
New Auto - 72 Months 4.25 4.25 72
New Auto - 60 Months  3.59  3.59  60
Used Auto - 2016 to 2018 - 60 Months  4.95 4.95  60
Used Auto - 2016 to 2018 - 48 Months  3.99 3.99 48
Used Auto - 2013 to 2015 - 60 Months 5.95 5.95  60
Used Auto - 2013 to 2015 - 48 Months 5.75 5.75  48
Used Auto - 2010 to 2012 - 48 Months 7.25 7.25  48
Used Auto - 2006-2009 - 36 Months 8.50  8.50  36
New RV - 60 Months 4.75 4.75  60
Used RV - 2015 to 2018 - 60 Months 5.50 5.50  60
Used RV - 2010 to 2014 - 60 Months  6.50  6.50  60
Used RV - 2008 to 2009 - 48 Months  8.00  8.00  48
Used RV - 2007 & Older - 48 Months  8.50 8.50  48
New Motorcycle - 18 to 19 - 60 Months 4.95 4.95  60
Used Motorcycle - 2015 to 2018 - 48 Months  6.95 6.95 48
Used Motorcycle - 2012 to 2014 - 48 Months  7.95 7.95 48
Used Motorcycle - 2011 & OLDER- 48 months 8.95 8.95 48
Share Certificate Secured -
Term = Term of Certificate...Rate = CD rate + $2.00%
     
Personal Line of Credit - $35/$1,000  13.90  13.90  n/a
Overdraft Line of Credit - $35/$1,000  13.90  13.90  n/a
Home Equity - 180 Months* 6.50 6.50  180
Home Equity - 120 Months* 5.75 5.75  120
Home Equity - 60 Months*  4.75  4.75  60
Home Equity Line of Credit*     4.75  4.75  12
Signature - 36 Months 12.90 12.90 36
Signature - 48 Months  13.90  13.90  48
Signature/Vechicle - 60 Months  10.95  10.95  60
Share Secured- 60 Months  3.25  3.25  60
Share Secured - 120 Months  4.00  4.00  120
Term Note - 12 Months  14.95  14.95  12
 MasterCard Classic  11.90  11.90 n/a  
 MasterCard Gold -
$5,000+ monthly household income to qualify
 9.90  9.90 n/a
"Term" represents the maximum number of months for this type of loan.
*Certain Home Equity fees and appraisal costs may apply.
** Annual Percentage Rate
SAVINGS
(Click the account type for additional disclosures)
Basic Share Savings, Youth Savings Tier 1 = up to $4,999.99. Tier 2 = $5,000.00+
Money Market Tier 1 = $5000.00-$24,999.99; Tier 2 = $25,000.00-$49,999.99; Tier 3 = $50,000.00-$89,999; Tier 4 = $90,000+.
RateAPY*Term
Basic Share Savings - Tier 1 0.30 0.30 n/a
Basic Share Savings - Tier 2 0.60 060 n/a
Youth Savings Accounts - Tier 1 0.65 0.65 n/a
Youth Savings Accounts - Tier 2 0.80 0.80 n/a
       
Holiday Accounts 0.60 0.60 n/a
       
IRA Share Savings (minimum $1,000) 1.70 1.71 n/a
IRA 36 - Month Share Certificate (minimum $1,000) 2.75 2.78 36
       
Money Market Accounts - Tier 1 1.00 1.00 n/a
Money Market Accounts - Tier 2 1.35 1.36 n/a
Money Market Accounts- Tier 3 1.80 1.81 n/a
Money Market Accounts- Tier 4 1.90 1.92 n/a

* Annual Percentage Yield. Rates may vary after the account is opened. APY is accurate as of the date listed above.
† Christmas Club Account Early Withdrawl Fee = $10/withdrawal

CERTIFICATES

(Click here for additional certificate disclosures)
RateAPY*Term
Share Certificate -   6 Months (minimum $2,500) 1.85 1.87 6
Share Certificate - 12 Months (minimum $2,500) 2.00 2.02 12
Share Certificate - 24 Months (minimum $2,500) 2.10 2.12 24
Share Certificate - 36 Months (minimum $2,500) 2.20 2.22 36
Share Certificate - 48 Months (minimum $2,500) 2.25 2.27  48
Share Certificate - 60 Months (minimum $2,500) 2.30 2.32  60
SPECIALS      
Share Certificate Special - 13 Months (minimum $10,000) 2.15 2.16  13
Share Certificate Special - 18 Months (minimum $10,000) 2.25 2.27  18
JUMBO      
Jumbo Share Certificate -   6 Months (minimum $60,000) 2.30 2.32  6
Jumbo Share Certificate - 12 Months (minimum $60,000) 2.45 2.48  12
Jumbo Share Certificate - 24 Months (minimum $60,000) 2.50 2.53  24
Jumbo Share Certificate - 36 Months (minimum $60,000) 2.60 2.63  36
Jumbo Share Certificate - 48 Months (minimum $60,000) 2.60 2.63 48
Jumbo Share Certificate - 60 Months (minimum $60,000) 2.70 2.73 60
YOUTH      
Youth Certificate -   6 Months (minimum $500) 2.20 2.22  6
Youth Certificate - 12 Months (minimum $500) 2.45 2.48  12
Youth Certificate - 24 Months (minimum $500) 2.50 2.53 24

* Annual Percentage Yield

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Journey Credit Union
PO Box 1496
Des Moines, Iowa  50305-1496
Phone: (515) 243-8735
Toll-free: (800) 828-8050
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