Credit union · NCUA insured
Journey Federal Credit Union
Top CarrotA $189.6M credit union headquartered in St. Johns, MI, with 17,238 members and 4 branches in Michigan. Best rates: CDs 3.50% and savings 1.15% APY.
Journey Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#5 of 22 in Lansing, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Journey Federal Credit Union
Journey Federal Credit Union was formed in 1972 from the merger of two local employee credit unions, serving eight Michigan counties including Clinton and Shiawassee.
- Headquarters
- 1200 Zeeb Dr, St. Johns, MI 48879-1150
- NCUA charter
- 20943
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Clare, Clinton, Gratiot, Isabella, Mecosta, Montcalm, Osceola, or Shiawassee County, Michigan is eligible to join.
Employers and groups
- Community volunteers, businesses, and other legal entities operating in Clare, Clinton, Gratiot, Isabella, Mecosta, Montcalm, Osceola, or Shiawassee County, Michigan may join.
Family and household
- Immediate family and household members of eligible persons in the designated counties are eligible to join.
Branches
4 branches in Michigan
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Michigan
4 branches
Lansing area · 3
- St. Johns BranchMain office1200 Zeeb Dr, St. Johns, MI 48879Directions
- Fowler Branch10667 E 2nd St, Fowler, MI 48835Directions
- Ovid Branch1090 Baese Ct, Ovid, MI 48866Directions
Alma area · 1
- Alma Branch130 W Superior St, Alma, MI 48801Directions
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 | 10.20% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.68% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $64 | $76 | — |
- CapitalNet worth ratio10.20%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.68%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$64Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.