Credit union · NCUA insured
Journey Credit Union Savings Rates
Top CarrotJourney Credit Union’s best savings rate is 1.81% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How Journey Credit Union’s savings 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
1.81%APY
- Minimum
- —
- Earns on $10,000 a year
- $181
Money Market Accounts
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Journey Credit Union savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.81%
- $100,000 balance$100,0002.84%
- QualifiedQualified1.81%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Accounts
1.81%APY
Dividends paid monthly. Should balance fall below $5,000, lower rate earned and $5.00 monthly service fee charged until balance is above $5,000 again.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Tier 1 | 1.81% | $181 | Tier 1 |
| $25,000 – $50,000Tier 2 | 2.02% | — | Tier 2 |
| $50,000 – $90,000Tier 3 | 2.48% | — | Tier 3 |
| $90,000 – $150,000Tier 4 | 2.84% | — | Tier 4 |
| $150,000 and upTier 5 | 3.04% | — | Tier 5 |
Sources (2)
All captured Sep 18, 2026
Share Savings
1.31%APY
Dividends paid monthly once balance reaches $100.00. Includes 8 free ATM processing transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1: Up to $4,999.99. Dividends paid monthly once balance reaches $100.00. | 0.75% | — | Tier 1: Up to $4,999.99. Dividends paid monthly once balance reaches $100.00. |
| $5,000 and upTier 2: $5,000.00+. Dividends paid monthly once balance reaches $100.00. | 1.31% | $131 | Tier 2: $5,000.00+. Dividends paid monthly once balance reaches $100.00. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Share Savings
2.43%APY
Individual Retirement Account options include Traditional, Roth, and Education IRAs. Earnings are tax-deferred. Early distribution penalty tax of 10% may apply before age 59 1/2.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and up$1,000 minimum balance required.$1,000 and up | 2.43% | $243 | $1,000 minimum balance required. |
Sources (2)
All captured Sep 18, 2026
Youth Savings
1.51%APY
For the younger set. Dividends paid monthly once balance reaches $100.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1: Up to $4,999.99. Dividends paid monthly once balance reaches $100.00. | 1.26% | — | Tier 1: Up to $4,999.99. Dividends paid monthly once balance reaches $100.00. |
| $5,000 and upTier 2: $5,000.00+. Dividends paid monthly once balance reaches $100.00. | 1.51% | $151 | Tier 2: $5,000.00+. Dividends paid monthly once balance reaches $100.00. |
Sources (2)
All captured Sep 18, 2026
Holiday Savings
0.75%APY
Annual dividends. Early withdrawal fee of $10.00 applies per withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAnnual dividends. $10.00 fee per early withdrawal.Any balance | 0.75% | $75 | Annual dividends. $10.00 fee per early withdrawal. |
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.