Rates

The following represents our standard loan, savings and investment rates effective as of 10/01/2019 and may change at any time. 

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.  Please call for a personalized quote.

"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 (%).

LOAN RATESAPR** AS LOW AS
New Auto - 84 Months 4.75
New Auto - 72 Months 4.25
New Auto - 60 Months  3.50
Used Auto - 2017 to 2019 - 72 Months 4.50
Used Auto - 2017 to 2019 - 60 Months 3.75
Used Auto - 2017 to 2019 - 48 Months 3.50
Used Auto - 2014 to 2016 - 60 Months 5.00
Used Auto - 2014 to 2016 - 48 Months 4.75
Used Auto - 2011 to 2013 - 48 Months 6.00
Used Auto - 2007 to 2010 - 36 Months  7.50
New RV - 60 Months 3.75
Used RV - 2016 to 2019 - 60 Months 4.75
Used RV - 2011 to 2015 - 60 Months 6.00
Used RV - 2009 to 2010 - 48 Months  7.00
Used RV - 2008 & Older - 48 Months 7.75
New Motorcycle - 2019 to 2020 - 60 Months 4.75
Used Motorcycle - 2016 to 2019 - 48 Months 5.75
Used Motorcycle - 2013 to 2015 - 48 Months 6.75
Used Motorcycle - 2012 & OLDER- 48 months 8.00
Share Certificate Secured -
Term = Term of Certificate...Rate = CD rate + $2.00%
 
Personal Line of Credit - $35/$1,000  13.90
Overdraft Line of Credit - $35/$1,000  13.90
Home Equity - 180 Months* 5.50
Home Equity - 120 Months* 4.75
Home Equity - 60 Months* 4.00
Home Equity Line of Credit*  (inital rate fixed for 36 months)  4.75
Signature - 48 Months 8.50
Signature - 36 Months 8.00
Signature/Vechicle - 72 Months 8.50
Share Secured- 60 Months  3.00
Share Secured - 120 Months  4.00
Term Note - 12 Months 10.95
 MasterCard Classic  11.90
 MasterCard Gold -
$5,000+ monthly household income to qualify
 9.90
"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*
Basic Share Savings - Tier 1 0.30 0.30
Basic Share Savings - Tier 2 0.60 060
Youth Savings Accounts - Tier 1 0.60 0.60
Youth Savings Accounts - Tier 2 0.80 0.80
     
Holiday Accounts 0.60 0.60
     
IRA Share Savings (minimum $1,000) 1.60 1.61
IRA 36 - Month Share Certificate (minimum $1,000) 2.35 2.38
     
Money Market Accounts - Tier 1 1.00 1.00
Money Market Accounts - Tier 2 1.35 1.36
Money Market Accounts- Tier 3 1.80 1.81
Money Market Accounts- Tier 4 1.90 1.92

* 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*
Share Certificate -   6 Months (minimum $2,500) 1.80 1.81
Share Certificate - 12 Months (minimum $2,500) 1.90 1.92
Share Certificate - 24 Months (minimum $2,500) 2.00 2.02
Share Certificate - 36 Months (minimum $2,500) 2.05 2.07
Share Certificate - 48 Months (minimum $2,500) 2.10 2.12
Share Certificate - 60 Months (minimum $2,500) 2.20 2.22
SPECIALS    
Share Certificate Special - 13 Months (minimum $10,000) 2.10 2.12
Share Certificate Special - 18 Months (minimum $10,000) 2.15 2.17
JUMBO    
Jumbo Share Certificate -   6 Months (minimum $60,000) 2.00 2.02
Jumbo Share Certificate - 12 Months (minimum $60,000) 2.20 2.22
Jumbo Share Certificate - 24 Months (minimum $60,000) 2.30 2.32
Jumbo Share Certificate - 36 Months (minimum $60,000) 2.35 2.38
Jumbo Share Certificate - 48 Months (minimum $60,000) 2.40 2.43
Jumbo Share Certificate - 60 Months (minimum $60,000) 2.50 2.53
YOUTH    
Youth Certificate -   6 Months (minimum $500) 2.00 2.02
Youth Certificate - 12 Months (minimum $500) 2.40 2.43
Youth Certificate - 24 Months (minimum $500) 2.45 2.48

* 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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