Rates

The following represents our standard loan, savings and investement rates effective as of 08/13/2019

With qualifying credit, many times we can meet or beat a rate quoted elsewhere!

We also run unadvertised loan and deposit 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 0.60 0.60 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) 1.60 1.61 n/a
IRA 36 - Month Share Certificate (minimum $1,000) 2.35 2.38 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) 1.80 1.81 6
Share Certificate - 12 Months (minimum $2,500) 1.90 1.92 12
Share Certificate - 24 Months (minimum $2,500) 2.00 2.02 24
Share Certificate - 36 Months (minimum $2,500) 2.05 2.07 36
Share Certificate - 48 Months (minimum $2,500) 2.10 2.12  48
Share Certificate - 60 Months (minimum $2,500) 2.20 2.22  60
SPECIALS      
Share Certificate Special - 13 Months (minimum $10,000) 2.10 2.12  13
Share Certificate Special - 18 Months (minimum $10,000) 2.15 2.17  18
JUMBO      
Jumbo Share Certificate -   6 Months (minimum $60,000) 2.00 2.02  6
Jumbo Share Certificate - 12 Months (minimum $60,000) 2.20 2.22  12
Jumbo Share Certificate - 24 Months (minimum $60,000) 2.30 2.32  24
Jumbo Share Certificate - 36 Months (minimum $60,000) 2.35 2.38  36
Jumbo Share Certificate - 48 Months (minimum $60,000) 2.40 2.43 48
Jumbo Share Certificate - 60 Months (minimum $60,000) 2.50 2.53 60
YOUTH      
Youth Certificate -   6 Months (minimum $500) 2.00 2.02  6
Youth Certificate - 12 Months (minimum $500) 2.40 2.43  12
Youth Certificate - 24 Months (minimum $500) 2.45 2.48 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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