Journey Federal Credit Union

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A short history of Journey FCU

Since its inception in 1972 the Journey Federal Credit Union has been serving its members in the SAINT JOHNS, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Marisa Kindel, the Journey FCU has grown its membership to over 16,763 with assets of more than $111,583,415. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (989) 224-9511 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SAINT JOHNS, MI.

General Information For Journey FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 20943
Address 1200 ZEEB DR 
State Michigan 
Zip-Code 48879
Phone Number (989) 224-9511
Fax Number (989) 224-6596
Email Address:
CEO/President Marisa Kindel
Members 16,763 
Full-Time Employees 45 
Part-Time Employees
Number of Branch Offices
Total Assets 111,583,415 

Compare Journey Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Michigan State University CU MSUFCU - Central Park Branch 1775 Central Park Dr 48864 (517) 353-0886 No 16.50
Consumers Professional CU CPCU Eaton Rapids 1515 S Main St 48827 (517) 663-8176 No 17.43
Farm Bureau Family CU Main office 7373 W Saginaw Hwy 48917 (517) 679-5274 No 18.33
Astera CU ASTERA CREDIT UNION-W SAGINAW 5615 W SAGINAW HWY 48917 (517) 323-3644 No 18.48
Portland CU Lansing Office 644 Migaldi Ln 48917 (517) 321-1300 No 18.52

Journey Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Journey Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.49 3.32 3.91 4.44 5.46
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 379 183 191 199 285
Rank Among All Michigan Credit Unions 65 55 47 55 60

Journey Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.15 0.50 0.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 124 263 291
Rank Among All Michigan Credit Unions N/A 19 28 59 64
Journey Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.4901,7372,976,686
All Other Unsecured Loans/Lines of Credit 12.1401,2824,779,098
Short-Term, Small Amount Loans (STS) (Federal CU Only) 18.00011434,963
Non-Federally Guaranteed Student Loans 6.500553,428
New Vehicle Loans 3.3201723,056,851
Used Vehicle Loans 3.9101,79817,289,384
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.44017114,138,249
Total Other Real Estate Loans/Lines of Credit 5.4603829,819,582
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0002122,531,638
TOTAL LOANS & LEASES 5,87354,679,879

Journey Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 979,251,93311992,627
    b. 15 Years or less 694,428,8334496,470
    a. > 15 years 5457,48300
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 2307,080,77800
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1522,738,80425652,000
Open-End Fixed Rate 0000
TOTALS 55323,957,831402,141,097


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Journey Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes