Credit union · NCUA insured
Journey Credit Union
Top CarrotA $96.2M credit union headquartered in Des Moines, IA, with 5,153 members and 2 branches in Iowa. Best rates: CDs 4.23% and savings 1.81% APY.
Journey Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#14 of 53 in Des Moines, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Journey Credit Union
Founded in 1954 in Des Moines, Iowa as Sheetmetal Local #45 Credit Union, Journey Credit Union is a member-owned not-for-profit cooperative financial institution.
Previously named Tradesmen Credit Union and Tradesmen Community Credit Union following a 1993 merger with Electricians Local #347 Credit Union, it adopted the name Journey Credit Union in 2019.
Journey Credit Union operates with a community charter serving people who live or work in Polk County and seven surrounding Iowa counties.
- Headquarters
- 1400 2nd Ave, Des Moines, IA 50314-3403
- NCUA charter
- 64361
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives or works in Polk, Story, Boone, Dallas, Madison, Warren, Marion, or Jasper counties.
Employers and groups
- Eligibility is open to members of a local trade union.
Family and household
- Eligibility is open to individuals who have a family member already a member of Journey Credit Union.
Cost to join
- A minimum deposit of $25.00 is required to open an account.
Branches
2 branches in Iowa
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Iowa
2 branches
- 1400 2nd AvenueMain office1400 2nd Ave, Des Moines, IA 50314Directions
- 2930 SE 14th Street2930 SE 14th St, Des Moines, IA 50320Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.11% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.60% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $71 | $59 | — |
- CapitalNet worth ratio16.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.11%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.60%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$71Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Journey Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.