Credit union · NCUA insured
Journey Credit Union CD Rates
Top CarrotJourney Credit Union’s best CD rate is 4.23% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Journey Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Journey Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Journey Credit Union
3.87%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $420
Special Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Journey Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.76%
- 9–15 months9–15 mo3.87%
- 16–30 months16–30 mo3.76%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.87%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Journey Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificates
Up to 4.23%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.23% | — |
| 12 months | 4.18% | — |
| 24 months | 3.97% | — |
| 36 months | 3.87% | — |
| 48 months | 3.76% | — |
| 60 months | 3.71% | — |
Sources (2)
All captured Sep 18, 2026
Premier Certificates
Up to 4.13%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.13% | — |
| 12 months | 4.07% | — |
| 24 months | 3.87% | — |
| 36 months | 3.76% | — |
| 48 months | 3.66% | — |
| 60 months | 3.61% | — |
Sources (1)
- journeycu.org/resources/deposit-rates · captured Sep 18, 2026
Special Certificates
Up to 3.87%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 3.87% | $420 |
| 18 months | 3.76% | $569 |
Sources (2)
All captured Sep 18, 2026
Certificates
Up to 3.76%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.76% | $186 |
| 12 months | 3.76% | $376 |
| 24 months | 3.56% | $725 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.35% | $1,409 |
| 60 months | 3.25% | $1,734 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Youth Certificates
Up to 4.02%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.02% | $199 |
| 12 months | 4.02% | $402 |
| 24 months | 3.87% | $789 |
Sources (1)
- journeycu.org/resources/deposit-rates · captured Sep 18, 2026
IRA Share Certificate
3.75%APY · 1 term
Early withdrawal penalty may be imposed for withdrawals before maturity of up to 180 days loss of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.75% | $1,168 |
Sources (2)
All captured Sep 18, 2026
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.