Credit union · NCUA insured
Journey Federal Credit Union CD Rates
Top CarrotJourney Federal Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Journey Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lansing, MI, where Journey Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Journey Federal Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $173
Share Certificates
Top rate
DFCU Financial
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
2nd-highest rate
Adventure Credit Union
4.35%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,373
Journey Federal Credit Union CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.50%
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 Federal 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.
Share Certificates
Up to 3.50%APY · 7 terms
$500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90 days interest forfeited on 12 months and under | 3.50% | $173 |
| 12 monthsEarly withdrawal penalty: 90 days interest forfeited on 12 months and under | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty: 180 days interest forfeited on 18 and 24 months | 3.40% | $514 |
| 24 monthsEarly withdrawal penalty: 180 days interest forfeited on 18 and 24 months | 3.40% | $692 |
| 36 monthsEarly withdrawal penalty: 365 days interest forfeited for 36, 48 and 60 months | 3.40% | $1,055 |
| 48 monthsEarly withdrawal penalty: 365 days interest forfeited for 36, 48 and 60 months | 3.40% | $1,431 |
| 60 monthsEarly withdrawal penalty: 365 days interest forfeited for 36, 48 and 60 months | 3.40% | $1,820 |
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 7 terms
$500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90 days interest forfeited on 12 months and under | 3.50% | $173 |
| 12 monthsEarly withdrawal penalty: 90 days interest forfeited on 12 months and under | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty: 180 days interest forfeited on 18 and 24 months | 3.40% | $514 |
| 24 monthsEarly withdrawal penalty: 180 days interest forfeited on 18 and 24 months | 3.40% | $692 |
| 36 monthsEarly withdrawal penalty: 365 days interest forfeited for 36, 48 and 60 months | 3.40% | $1,055 |
| 48 monthsEarly withdrawal penalty: 365 days interest forfeited for 36, 48 and 60 months | 3.40% | $1,431 |
| 60 monthsEarly withdrawal penalty: 365 days interest forfeited for 36, 48 and 60 months | 3.40% | $1,820 |
Sources (3)
- journeyfcu.org/save-and-spend/share-certificates
- journeyfcu.org/savings-rates
- journeyfcu.org/files/journey20…0Schedule%2011.01.25.pdf
All captured Oct 5, 2026
Who can join Journey Federal Credit Union
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.
Membership information collected October 5, 2026.