Credit union · NCUA insured
Journey Federal Credit Union Savings Rates
Top CarrotJourney Federal Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market Share Account. Rates checked October 16, 2026.
How Journey Federal Credit Union’s savings 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
1.15%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $115
Money Market Share Account
Top rate
First National Bank of America
4.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Journey Federal Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.35%
- QualifiedQualified1.15%
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 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 Share Account
1.15%APY
Minimum amount to open is $2,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,000 – $50,000 | 1.15% | $115 |
| $50,000 – $150,000 | 1.35% | — |
| $150,000 and up | 1.75% | — |
Sources (1)
- journeyfcu.org/save-and-spend/personal-savings · captured Oct 5, 2026
Life Share/Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.05% | $5 |
Sources (1)
- journeyfcu.org/save-and-spend/personal-savings · captured Oct 5, 2026
Regular Share/Savings Account
0.05%APY
A $5.00 minimum balance establishes credit union membership and entitles member to vote in elections.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.05% | $5 |
Sources (1)
- journeyfcu.org/save-and-spend/personal-savings · captured Oct 5, 2026
Special-purpose accounts
IRA Share/Savings Account
0.05%APY
IRA options include Roth and Educational. Minimum balance to earn dividends is $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and up$1 minimum balance to earn dividends$1 and up | 0.05% | $5 | $1 minimum balance to earn dividends |
Sources (1)
- journeyfcu.org/save-and-spend/personal-savings · captured Oct 5, 2026
Youth Share/Savings Account
0.05%APY
Qualifying ages zero to 18 years of age. Dividends start earning once the $5.00 minimum balance is met.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5 | 0.00% | — |
| $5 and up | 0.05% | $5 |
Sources (1)
- journeyfcu.org/save-and-spend/personal-savings · 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.