Credit union · NCUA insured
Journey Credit Union Auto Loan Rates
Top CarrotJourney Credit Union auto loans start at 4.94% APR for a new vehicle and 4.94% for a used one. Rates checked October 16, 2026.
How Journey Credit Union’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where Journey Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Journey Credit Union
4.94%APR
- Terms
- up to 60 months
Automobiles
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
Journey Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.94%
- Used vehicleUsed4.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Journey Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Automobiles
Standard loan rates effective as of 04/28/2026 and may change at any time. 'Term' represents the maximum number of months for the specific type of loan. Rates stated as APR as low as with qualifying credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.19% | Model year 2024 & Newer. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 72 months | 5.04% | Model year 2024 & Newer. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 60 months | 4.94% | Model year 2024 & Newer. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 72 months | 5.59% | Model year 2021-2023. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 60 months | 5.39% | Model year 2021-2023. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 48 months | 5.19% | Model year 2021-2023. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 60 months | 6.19% | Model year 2017-2020. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 48 months | 6.09% | Model year 2017-2020. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 48 months | 7.49% | Model year 2014-2016. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
| up to 36 months | 8.39% | Model year 2013 & older. 'Term' represents maximum number of months. APR as low as with qualifying credit. |
Who can join Journey Credit Union
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.
Membership information collected October 4, 2026.