--- title: "Journey Credit Union Rates - Iowa" description: "Current vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Journey Credit Union in Iowa. Updated daily with source verification. See who can join Journey Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/iowa/journey" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Journey Credit Union Rates - Iowa ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Auto Loan** auto_any_60mo | — APR | 4.940% | 60 mo | Standard | | **72-Month Auto Loan** auto_any_72mo | — APR | 5.040% | 72 mo | Standard | | **84-Month Auto Loan (2024 and Newer)** auto_any_84mo | — APR | 5.190% | 84 mo | Standard | | **48-Month Auto Loan** auto_any_48mo | — APR | 5.190% | 48 mo | Standard | | **Recreational Vehicles (RV) & Watercraft (60 months)** rv_any_60mo | — APR | 5.790% | 60 mo | Standard | | **Recreational Vehicles (RV) & Watercraft (72 months)** rv_any_72mo | — APR | 5.990% | 72 mo | Standard | | **Motorcycles & ATVs (60 months)** motorcycle_any_60mo | — APR | 5.990% | 60 mo | Standard | | **Motorcycles & ATVs (72 months)** motorcycle_any_72mo | — APR | 6.490% | 72 mo | Standard | | **Motorcycles & ATVs (48 months)** motorcycle_any_48mo | — APR | 6.990% | 48 mo | Standard | | **Recreational Vehicles (RV) & Watercraft (48 months)** rv_any_48mo | — APR | 7.790% | 48 mo | Standard | | **36-Month Auto Loan (2013 and Newer)** auto_any_36mo | — APR | 8.390% | 36 mo | Standard | | **Signature/Vehicle** auto | — APR | 8.990% | — | Standard | Journey Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity (Initial rate fixed for 12 months)** heloc_fixed | — APR | 5.750% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 5.750% | — | Standard | | **Home Equity Loan** heloc | — APR | 5.790% | — | Standard | | **5-Year Home Equity Loan** heloc | — APR | 5.790% | — | Standard | | **10-Year Home Equity Loan** heloc | — APR | 6.390% | — | Standard | | **15-Year Home Equity Loan** heloc | — APR | 6.590% | — | Standard | Journey Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured** personal_secured_60mo | — APR | 4.250% | 60 mo | Standard | | **Shared Secured** personal_secured_120mo | — APR | 5.250% | 120 mo | Standard | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 9.990% | 36 mo | Standard | | **48-Month Signature Loan** personal_unsecured_48mo | — APR | 10.290% | 48 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 13.900% | — | Standard | Journey Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 9.900% | — | Standard | | **MasterCard Classic** credit_card | — APR | 11.900% | — | Standard | Journey Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 32 offers | Product | Published | Rate | Term / condition | Status | | **Holiday Account** savings | — APY | 0.75% | — | Standard | | **Tier 2** savings | — APY | 1.30% | — | Standard | | **IRA** ira | — APY | 2.50% | — | Standard | | **Tier 3** savings | — APY | 2.60% | — | Standard | | **Tier 4** savings | — APY | 2.90% | — | Standard | | **Tier 5** savings | — APY | 3.20% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.71% | 60 mo | Standard | | **Premier Certificates (48 months)** cd_48mo | — APY | 3.73% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.76% | 48 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.82% | 6 mo | Standard | | **Premier Certificates (60 months)** cd_60mo | — APY | 3.83% | 60 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.85% | 36 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.87% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.87% | 24 mo | Standard | | **Jumbo Certificates (60 months)** cd_60mo | — APY | 3.90% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.92% | 36 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 3.93% | 13 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.93% | 18 mo | Standard | | **Jumbo Certificates (48 months)** cd_48mo | — APY | 3.93% | 48 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 4.00% | 13 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.00% | 18 mo | Standard | | **Premier Certificates (6 months)** cd_6mo | — APY | 4.09% | 6 mo | Standard | | **Premier Certificates (12 months)** cd_12mo | — APY | 4.11% | 12 mo | Standard | | **Premier Certificates (36 months)** cd_36mo | — APY | 4.15% | 36 mo | Standard | | **Youth Certificates (6 months)** cd_6mo | — APY | 4.15% | 6 mo | Eligibility restricted | | **Premier Certificates (24 months)** cd_24mo | — APY | 4.15% | 24 mo | Standard | | **Youth Certificates (12 months)** cd_12mo | — APY | 4.20% | 12 mo | Eligibility restricted | | **Youth Certificates (24 months)** cd_24mo | — APY | 4.25% | 24 mo | Eligibility restricted | | **Jumbo Certificates (6 months)** cd_6mo | — APY | 4.29% | 6 mo | Standard | | **Jumbo Certificates (12 months)** cd_12mo | — APY | 4.31% | 12 mo | Standard | | **Jumbo Certificates (36 months)** cd_36mo | — APY | 4.35% | 36 mo | Standard | | **Jumbo Certificates (24 months)** cd_24mo | — APY | 4.35% | 24 mo | Standard | Journey Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Term Note** other | — % | 11.990% | — | Standard | Journey Credit Union other rates as of November 12, 2026 Journey Credit Union is a credit union in Iowa. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/iowa/journey) , verified from [Journey Credit Union's official website](https://journeycu.org/) Loading branch locator… ## About Journey Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5.2K Assets $96.2M Founded 1954 Locations reported 2 NCUA charter 64361 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Des Moines Metro** Main Office · Des Moines · IA · 50314-3121 About 0.8 miles away](https://rateapi.dev/credit-unions/iowa/des-moines-metro) [**Premier** Main Branch · Des Moines · IA · 50309 About 0.9 miles away](https://rateapi.dev/credit-unions/iowa/premier) [**Community Choice** Downtown · Des Moines · IA · 50309-5457 About 1.4 miles away](https://rateapi.dev/credit-unions/iowa/community-choice) [**Veridian** Ingersoll · Des Moines · IA · 50309 About 1.5 miles away](https://rateapi.dev/credit-unions/iowa/veridian) [**Polk County** Polk County Credit Union · Des Moines · IA · 50309-2219 About 1.5 miles away](https://rateapi.dev/credit-unions/iowa/polk-county) [**Des Moines Fire Department** Des Moines Fire Dept Credit Union · Des Moines · IA · 50309 About 1.5 miles away](https://rateapi.dev/credit-unions/iowa/des-moines-fire-department) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Journey Credit Union's website. Check the membership page below to confirm whether you qualify. - Location polk, story, boone, dallas, madison, warren, marion, jasper — IA - Association local trade union Verified from [Journey Credit Union's membership page](https://journeycu.org/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Journey Credit Union Geography 8 counties · Associations · Family 18 published paths to membership, last verified November 8, 2026, quoted from Journey Credit Union’s own published criteria. ### Geography 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Boone County, IA - Dallas County, IA - Jasper County, IA - Madison County, IA - Marion County, IA - Polk County, IA - Story County, IA - Warren County, IA “YOU can, if you live OR work in the following counties: Polk Story Boone Dallas Madison Warren Marion Jasper” > [source ↗](https://journeycu.org/membership/) ### Associations 1 Human-reviewed quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of local trade union “As always, if you belong to a local trade union, you are eligible!” > [source ↗](https://journeycu.org/membership/) - Member of local trade union ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member family “DID YOU KNOW….that if a family member is already a member of Journey Credit Union, YOU are automatically eligible to join?” > [source ↗](https://journeycu.org/membership/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Journey Credit Union? Yes No ## Work at Journey Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Journey Credit Union ranks against Iowa peers. - See which AI assistants fetched Journey Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Iowa - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=journey&state=iowa&code=IA&name=Journey%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join Journey Credit Union? Journey Credit Union publishes its membership criteria on its own website. RateAPI tracks 18 published membership paths covering 8 counties and 1 association for Journey Credit Union, each quoted from Journey Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Journey Credit Union's rates against national credit-union benchmarks. [More Iowa credit unions](https://rateapi.dev/credit-unions/iowa) [Iowa auto loan rate leaders](https://rateapi.dev/auto-loan-rates/iowa) [Iowa HELOC rate leaders](https://rateapi.dev/heloc-rates/iowa) [Iowa personal loan leaders](https://rateapi.dev/personal-loan-rates/iowa) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://journeycu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Journey Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Iowa credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Journey Credit Union curl "https://api.rateapi.dev/credit-unions/iowa /journey " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Journey Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/iowa/journey Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp