Journey Credit Union Des Moines IA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Journey, your trusted credit union located at 1400 2Nd Ave, Des Moines, IA 50314. Since our establishment in 1954, we have been dedicated to serving our community, fostering financial well-being and growth for our members. With a robust total membership of 5,156 and assets amounting to an impressive $88,050,634, we are here to provide the personalized service you deserve. At Journey, we take pride in our strong financial foundation. Our total deposits stand at $12,698,543, ensuring that your money is safe and growing. We also manage a wide range of loans with a total of 3,246, helping members achieve their dreams whether it's buying a new car or financing a home. Our net worth of $14,021,460 reflects our commitment to stability and security for all our members. Led by our CEO, Rachel Ballenger, and Board President Ted Crow, we strive to create an environment where every member feels valued. Our team of 16 employees is ready to assist you with various services including personal banking, auto loans, mortgages, and business banking solutions. Whether you're looking for straightforward checking accounts or specialized loans, we're equipped to meet your needs. While you can reach us at the branch address above for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 1496, Des Moines, IA 50305-1496. We invite you to visit us or call us at 515-243-8735 during our convenient hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. Your journey towards financial health starts here! Explore what we can do for you today at Journey's Website.

Branch History & Mission

Community Commitment

Partnerships with local organizations and outreach efforts are at the heart of what we do. We strive to give back to the community that supports us by participating in local events and initiatives aimed at enhancing the lives of residents in Des Moines. We're here not just to serve but also to uplift through various programs that promote financial literacy and well-being. As we look forward to the future, we invite you to join Journey Credit Union. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization that values your needs above all else. Together, let's embark on this journey toward financial wellness! For more information or assistance, please call us at 515-243-8735 during our operating hours: Monday through Thursday from 9:00 am to 5:00 pm, Friday from 9:00 am to 5:30 pm, and Saturday from 9:00 am to 12:00 pm.

Our Mission

At Journey Credit Union, our mission is simple yet profound: to empower our members by providing quality financial products and services while fostering a sense of community. We believe in serving not only as a bank but as a pillar of support for individuals and families in Des Moines and beyond. We aim to make financial services accessible and straightforward for everyone whether it's through personal banking accounts, auto loans, or business financing options. While members can visit us at 1400 2Nd Ave for all their banking needs, official correspondence should be sent to PO Box 1496, Des Moines, IA 50305-1496 if you need to reach us by mail. We pride ourselves on our customer-centric approach. Our drive-thru service makes banking easy and convenient for those on the go. Although we do not currently have ATM availability at this location, we are proud to offer shared service centers that allow our members access to their accounts throughout the network.

Branch Location & Accessibility

Convenient Access and Features

At our Des Moines branch, we prioritize accessibility for everyone. You'll find ample parking available right outside the entrance, along with ramps and other features designed to ensure that all our members can access our services comfortably. If you prefer banking from your vehicle, we offer drive-thru services for quick deposits and withdrawals.

Operating Hours That Fit Your Schedule

We know your time is valuable! That's why our lobby hours are designed to fit your busy lifestyle. We're open Monday through Thursday from 9:00 AM to 5:00 PM, extending our hours until 5:30 PM on Fridays. Plus, if you need assistance on Saturdays, we're here for you from 9:00 AM to 12:00 PM.

Services Tailored for You

While visiting us at 1400 2nd Avenue, you can explore a variety of personal and business banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, our friendly staff is ready to assist you with whatever you may need. Although we don't have an ATM at this location, we do provide basic shared branch transactions for partner credit union members. If you have any questions or want more information about our services, don't hesitate to give us a call at 515-243-8735. We're here to help! So why wait? Come by Journey Credit Union today and discover how we can support your financial journey!

Member Eligibility

At Journey, we believe that everyone deserves a chance to belong to a community that supports their financial journey. Becoming a member is simple and welcoming! If you live, work, or worship in the area around 1400 2Nd Ave Des Moines Ia 50314, you're likely eligible to join us. We embrace individuals from various backgrounds, and whether you're looking to save for the future or secure a loan for your dream car, our member-focused services can make it happen. Plus, as a member, you'll enjoy access to personalized banking solutions tailored just for you. To get started on your path to membership, just give us a call at (515) 243-8735 or stop by our branch during operating hours. For detailed eligibility criteria, feel free to check out more information at . Joining Journey means becoming part of something special let's take this journey together!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing for businesses. Picture this: a busy Saturday at your store where customers want to pay quickly and easily. Our merchant services ensure that transactions are smooth and efficient, enhancing customer satisfaction while saving you time and hassle. Visit us at 1400 2Nd Ave Des Moines Ia 50314 in Des Moines, IA or give us a call at (515) 243-8735 to learn how we can help elevate your business today!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $28 in non-member commercial loans, providing flexible financing solutions. Imagine having the funds to expand your operations, purchase new equipment, or increase inventory. With our tailored loan options, you can make those dreams a reality. Our team works closely with you to understand your vision and provide financial solutions that align with your objectives.

Comprehensive List Of Services

Business Banking Services

If you're an entrepreneur or business owner, you'll find our business banking services just as comprehensive. From merchant services to business loans, we aim to support local businesses in achieving their goals while simplifying everyday transactions.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills on the go, our user-friendly digital tools make it all possible. Additionally, we offer ATM and cash withdrawal services for members who prefer traditional banking methods.

Drive-Thru & Shared Branch Transactions

For those who enjoy face-to-face interactions without the wait, our basic drive-thru banking offers quick deposits, withdrawals, and simple transactions to get you back on track efficiently. We also participate in shared branch transactions for partner credit union members, allowing seamless access to deposits and withdrawals across branches. At Journey, we believe that banking should be accessible and straightforward for everyone. Our dedicated team is here from 9:00 am to 5:00 pm Monday through Thursday, 9:00 am to 5:30 pm on Fridays, and 9:00 am to 12:00 pm on Saturdays ready to assist you with all your financial needs. If you're interested in learning more about how we can support your financial journey or if you have any questions about our services, don't hesitate to give us a call at (515) 243-8735 or visit us at 1400 2nd Avenue today! Your financial success starts here.

Financial Support When You Need It

Sometimes life throws unexpected expenses your way, and that's where our personal loans and debt consolidation services come in handy. They provide quick access to funds when you need them most, helping you take control of your finances. Plus, our credit cards come with rewards that can enhance your spending power while providing valuable perks along the way.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options provide the flexibility you need. Imagine effortlessly managing your funds with accounts designed for easy access and growth. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options will help make that dream a reality. We also offer mortgage loans and refinancing solutions, perfect for first-time homebuyers or those looking to lower their monthly payments.

Digital & Online Banking

Key Features

Our online banking platform includes features like electronic signature authorization, which allows you to sign documents securely from the comfort of your home. Plus, you can enjoy e-statements that let you keep track of your transactions without the clutter of paper statements. Managing your money is even simpler with our mobile application. Whether you're making payments or checking your balance, everything is right at your fingertips. You can also take advantage of our mobile payments feature, allowing you to pay for goods and services directly from your phone.

Real-Time Management

Need to send money to a friend? Our person-to-person transfer option makes it easy to send cash quickly and securely. You no longer need to worry about carrying cash or writing checks. Everything can be done instantly through our user-friendly app. With all these features combined, Journey ensures that you have complete control over your finances in real-time. So whether it's day or night, managing your accounts is just a click away!

Financial Strength

Commitment to Growth

With $9,991,004 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,323 in used auto loans and $51,771,029 in total loans and leases. Our commitment is reflected in our operational efficiency; our $1,230,456 showcases our ability to continue offering competitive loan rates and solid financial products for our members.

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 1400 2Nd Ave Des Moines Ia 50314 or call (515) 243-8735 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 14 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This dedicated workforce is crucial as we maintain a strong member base of 14,006, which shows that more people trust us with their finances.

Secure Savings Options

Members' savings are secured through $17,202,256 in share certificates and $14,743,708 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.

Solid Financial Health

With a net worth of $14,021,460, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,592 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

For those looking for more personalized solutions, we offer personal loans for debt consolidation and other needs. Our total credit lines amount to $1,800,000, ensuring that you have access to funds when you need them most. At Journey, we're committed to providing clear and straightforward lending options without unnecessary complications. Our dedicated team is here to answer any questions you may have about our loan offerings or help you start the application process. Feel free to reach out to us at (515) 243-8735 or visit us at our branch located at 1400 2Nd Ave Des Moines Ia 50314 in Des Moines, IA. We're here to help you navigate your financial journey every step of the way! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $20,103,178 in used vehicle loans and $5,605,532 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a dependable used vehicle, our financing options are designed to make your purchase as smooth as possible.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,092,393, make buying or refinancing simple. We provide flexible terms and competitive rates to help you secure your dream home. If you're considering refinancing your existing mortgage, our team can guide you through the eligibility process to find the best solution for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $866,264 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can assist you in making everyday purchases while maintaining control over your budget.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan 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 commitment to accuracy ensures that users receive fair and transparent offers, free from misleading or outdated information.

JOURNEY CREDIT UNION