Welcome to Your Credit Union!

Journey Credit Union is a not-for-profit financial cooperative owned by its members - people like you! Unlike traditional banks, we have no stockholders or paid board members. This means our earnings are returned to you in the form of:

  • Higher dividends on savings
  • Lower rates on loans
  • Fewer transaction fees
  • Many free services

Why Join Journey Credit Union?

Membership Means Ownership

As a member-owner, you have a voice in how we operate. Our services are designed with your financial goals in mind, offering:

  • Personalized service from a team that understands your needs
  • A community-focused approach, reinvesting earnings to benefit members
  • Access to financial education and resources to help you succeed

Competitive Rates & Low Fees

We offer:

  • Higher dividend rates on savings accounts
  • Lower loan rates compared to many for-profit institutions
  • Minimal fees, with many services available at no cost

Community-Oriented Approach

Journey Credit Union is deeply rooted in the communities we serve. By joining, you become part of a supportive network where your financial well-being is our priority.

Who Can Join?

You can become a member if you:

  • Live or work in Polk, Story, Boone, Dallas, Madison, Warren, Marion, or Jasper counties
  • Belong to a local trade union
  • Have a family member who is already a member of Journey Credit Union

If you meet any of these criteria, you're eligible to join!

Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:

When you open an account, you will need:

  • Your name, address, date of birth, and other identifying information
  • A valid photo ID, such as a driver's license
  • Your mobile phone for contact and ID verification purposes
  • Money to fund your new account (up to $500 can be funded via debit or credit card)
  • Unfrozen credit and lifted credit freezes with Equifax. You can manage freezes at equifax.com/personal/credit-report-services/credit-freeze

This process helps ensure the security and integrity of our financial system.