Credit union · NCUA insured
Journey Credit Union Credit Card Rates
Top CarrotJourney Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Journey Credit Union’s credit card rates compare
Compared with banks and credit unions near Des Moines, IA, where Journey Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Journey Credit Union
9.90%APR
- Up to
- —
MasterCard Platinum
Lowest rate
Advantage Credit Union
7.90%APR
- Up to
- 13.90% APR
2nd-lowest rate
IH Mississippi Valley Credit Union
7.90%APR
- Up to
- —
Journey Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MasterCard Classic
Fixed rate as low as 11.90% APR. Credit limit $500-$10,000. Manageable Limits, Credit Repair, Share Secured Options.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Fixed rate as low as 11.90% APR with qualifying credit. Credit limit range $500 - $10,000. No annual fee. |
Sources (3)
- journeycu.org/products/loans/mastercard
- journeycu.org/resources/loan-rates
- journeycu.org/products/card-products
All captured Oct 7, 2026
MasterCard Platinum
Fixed rate as low as 9.90% APR. Gross monthly household income must exceed $5,000 ($5,000+ monthly household income to qualify). High credit limits.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed rate as low as 9.90% APR with qualifying credit. Requires $5,000+ monthly household income to qualify. No annual fee. |
Sources (4)
- journeycu.org
- journeycu.org/resources/loan-rates
- journeycu.org/products/card-products
- journeycu.org/products/loans/mastercard
All captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.