Journey Credit Union Saint Johns MI | Best Auto Loans & Personal Banking

Introduction

Welcome to Journey, your trusted financial partner located at 1200 Zeeb Dr, Saint Johns, MI 48879. Established in 1972, we have proudly served our community for over 50 years, building lasting relationships with our 17,448 members. With a commitment to providing personalized financial solutions, we aim to empower you on your financial journey. At Journey, we understand that every member's needs are unique. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. With total assets exceeding $177 million and deposits of $19 million, we ensure your money is safe and growing. Our net worth stands strong at $16.5 million, underscoring our stability and reliability as a credit union. Led by CEO Jeffrey Kusler and Board President Christopher Kowatch, our dedicated team of 38 employees is here to support you every step of the way. Whether you're looking to finance a new vehicle or consolidate debt, we're ready to help you achieve your goals with confidence. While members can visit us at our branch location, official correspondence should be sent to 1200 Zeeb Dr, Saint Johns, MI 48879-1150. Feel free to reach out via phone at 989-224-9511 or explore more about us online at Journey. Join us today and discover how Journey can help you navigate your financial path with ease!

Branch History & Mission

Community Focus

We recognize that our success is intertwined with the well-being of the community. That's why we actively engage in various outreach initiatives aimed at supporting local schools, charities, and events. By partnering with organizations within Clinton County, we aim to make a positive difference in people's lives beyond just banking.

Modern Banking Solutions

In today's digital world, we prioritize accessibility and convenience for all members. With features like online banking and mobile payments available, managing your finances has never been easier. Additionally, we ensure that our services remain ADA compliant so that everyone can benefit from what we offer. As we continue this journey together with you, we invite you to become part of our story. Experience firsthand how Journey can help you reach your financial goals while being part of a caring community. Join us today by calling us at 989-224-9511 or visiting our website. Your future starts here!

Our Evolution

In our early days, we focused on providing essential banking services. Over the years, we've adapted to meet the changing needs of our members and the community. Today, with total assets reaching an impressive $177,792,811, we continue to expand our offerings to include everything from personal banking and auto loans to mortgage refinancing and business banking solutions. Our growth reflects not just financial success but also our deep-rooted commitment to improving the lives of those we serve.

Our Mission

Our mission at Journey is simple yet impactful: We strive to empower our members through exceptional financial services while fostering community support. We believe that everyone deserves access to quality financial products that help them achieve their goals. This mission guides us every day as we work diligently to offer competitive rates and personalized service. While you can visit us at our main branch address of 1200 Zeeb Dr in Saint Johns, official correspondence should be sent to our mailing address: 1200 Zeeb Dr, Saint Johns, MI 48879-1150.

Branch Location & Accessibility

Get in Touch

Have questions or want to learn more? Feel free to give us a call at 989-224-9511. Our team at the Journey Credit Union St. Johns Branch looks forward to welcoming you! Remember, while members can visit us at 1200 Zeeb Dr Saint Johns Mi 48879, official correspondence should be sent to 1200 Zeeb Dr, Saint Johns, MI 48879-1150 if needed. We can't wait to help you on your financial journey!

Nearby Landmarks and Access

You'll find us nestled near local favorites that make it easy to stop by while running errands or enjoying a day out. Our branch is just a short drive from the beautiful downtown area of Saint Johns, where you can explore shops and eateries before or after your visit. Parking is ample and accessible, ensuring you have no trouble finding a spot. Plus, our facility is equipped with ADA-compliant features, making it easy for everyone to access our services.

Operating Hours and Services

Our friendly staff is ready to serve you during convenient hours: Monday through Thursday from 8:00 AM to 5:30 PM, Friday from 7:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. We offer both lobby and drive-thru services so you can choose what works best for you. Whether you need help with personal banking like checking and savings accounts or are interested in loans for vehicles or mortgages, we've got you covered. Additionally, we provide ATM access for quick cash withdrawals and balance checks right on-site. While we currently do not offer shared services at this location, our team is dedicated to providing top-notch personal service tailored just for you.

Member Eligibility

At Journey, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're looking to be part of something special, it's easy to become a member at our branch located at 1200 Zeeb Dr Saint Johns Mi 48879. Generally, anyone who lives, works, worships, or attends school in our local area is eligible to join. We welcome individuals and families alike, making sure everyone feels included and supported. The benefits of membership extend beyond just banking services; you gain access to competitive rates on loans and savings accounts, personalized service, and a host of resources designed to help you achieve your financial goals. To get started with opening an account, simply visit us online at https://loans.itsme247.com/354/home/start , or feel free to give us a call at (989) 224-9511 if you have any questions. For the latest eligibility details, check out our resource page at . We can't wait to welcome you into the Journey family!

Business Banking & Commercial Services

Real-World Merchant Services

In addition to loans, we offer practical merchant services that simplify transactions for businesses. Imagine being able to accept payments seamlessly from customers while enjoying competitive rates on processing fees. Our services are designed to help you focus on what matters most growing your business. Visit us at 1200 Zeeb Dr Saint Johns Mi 48879 in Saint Johns, MI or call us at (989) 224-9511 to explore how our business banking solutions can empower your entrepreneurial vision!

Tailored Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $49 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $149,072, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

At Journey, we also cater to local businesses with our business banking services, including merchant services and business loans. We know how crucial it is for small businesses to have access to reliable financial support, so we strive to provide solutions that help them thrive in the community.

Convenient Access

Need cash quickly? Our ATM services are available for easy withdrawals and balance checks. And if you prefer face-to-face interactions, our drive-thru banking allows you to complete simple transactions without leaving your car. In today's fast-paced world, convenience matters. With features like online banking and mobile payments at your fingertips, managing your finances has never been easier. You can send money through person-to-person payment services or simply keep track of your spending habits all designed with our members' busy lives in mind. Whether you're visiting us in person at the branch or connecting through our digital platforms, we want you to feel valued every step of the way. Our friendly staff is always ready to assist you with any questions you might have about our offerings. Ready to take the next step? Contact us today at 989-224-9511 or visit us online at Journey FCU to learn more about how we can support you on your financial journey!

Loans and Financing

When it comes to making significant purchases like a vehicle or a home, we have you covered with auto loans and vehicle financing as well as mortgage loans and refinancing options. Whether you're looking to buy a new car or refinance your existing mortgage for better rates, our team is here to help you navigate the process smoothly. For those unexpected expenses or projects that require funding, consider our personal loans and debt consolidation services. We offer flexible terms designed to fit your budget. Plus, if you enjoy rewards for your spending, don't forget to explore our credit cards with rewards.

Personal Banking

We understand that managing your personal finances is important. That's why we offer checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds whenever you need them our online and mobile banking features make this possible. You can check balances, transfer money, and pay bills right from the comfort of your home or on the go.

Digital & Online Banking

Convenience and Security

Security is a top priority at Journey. We provide electronic signature authorization for your peace of mind, ensuring that your transactions are not only quick but also secure. Additionally, our e-statements give you easy access to your financial documents without the clutter of paper statements, helping you stay organized while being environmentally friendly. Although we currently do not have a mobile application, our website is fully optimized for mobile use, allowing you to manage your accounts on the go effortlessly. Whether you're checking your balance or reviewing recent transactions, everything is just a tap away. With these features, managing your finances has never been more accessible or efficient. Join us at Journey today and experience the convenience of digital banking tailored just for you!

Key Features

Our online banking platform allows you to handle everyday transactions without stepping foot in a branch. You can easily transfer money with our person-to-person transfers, making it simple to send funds to friends or family in just a few clicks. Plus, for those who prefer a cashless lifestyle, our mobile payments feature enables you to pay directly from your phone, making shopping and bill payments a breeze.

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Journey is your trusted partner. Visit us at 1200 Zeeb Dr Saint Johns MI 48879 or call 989-224-9511 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 38 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. With 38 total share accounts, it's clear that many members trust us with their finances.

Reinvestment in Services

With $15,343,655 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach allows us to adapt to your needs while maintaining the quality of service you expect. Our lending capacity is significant; with $42,330 in used auto loans and $116,061,670 in total loans and leases, we support our members' financial goals across various sectors. Our net income of $928,685 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secured Savings Opportunities

Members' savings are secured through $23,834,871 in share certificates and $48,298,758 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $16,525,317, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to sound financial practices means you can trust us with your savings and loans. Our net worth ratio of 928% demonstrates a solid capital foundation. This level of stability ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $44,829,036 in used vehicle loans and $15,379,000 in new vehicle loans, helping members get on the road with ease. Whether you are interested in financing a brand-new model or a reliable used vehicle, our flexible terms make it easier than ever.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $149,072 provide the capital needed to expand operations or invest in new projects. We understand the unique challenges businesses face and aim to offer supportive financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options are designed to simplify the process. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,093,071. This means whether you're buying your first home or refinancing an existing mortgage, we have solutions that can help you secure the property you've always wanted.

Refinancing Options

If you're considering refinancing your current loans or need assistance determining your eligibility for any of our products, our knowledgeable staff is ready to help. We believe that everyone deserves access to affordable financing solutions tailored to their circumstances. At Journey, we're committed to transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can assist you today by visiting our website here or calling us directly at 989-224-9511. Let's take this step together towards achieving your financial goals!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $4,916,715 in loans helping members manage their finances effectively. Our credit cards come with rewards and competitive rates, allowing you to earn while you spend.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh takes pride in the accuracy of its loan comparisons. The data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that you receive fair and transparent offers every time you compare loans.

JOURNEY FEDERAL CREDIT UNION