Journey Credit Union Des Moines IA | Best Auto Loans & Personal Banking

Introduction

Welcome to Journey, your trusted partner in financial services located at 2930 SE 14th St, Des Moines, IA 50320. Since opening our doors in 1954, we have dedicated ourselves to supporting our community with personalized banking solutions. Whether you're looking for a checking account, an auto loan, or mortgage refinancing, we are here to help. At Journey, we take pride in our strong commitment to our members. With a total membership of 5,156 and assets exceeding $88 million, we are well-equipped to meet your financial needs. Our team, led by CEO Rachel Ballenger and Board President Ted Crow, is passionate about providing exceptional service and fostering a welcoming environment for all. Our financial strength is reflected in our impressive figures: we hold $12,698,543 in deposits and have issued over 3,246 loans. With a net worth of $14,021,460, you can trust that your money is safe with us. Additionally, our cash reserves of $509,418 ensure that we are always ready to support our members when they need it most. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 1496, Des Moines, IA 50305-1496. We invite you to explore all that Journey has to offer through our website at journeycu.org. Join us today and experience the difference that comes from being part of a community-focused credit union! For any inquiries or assistance, feel free to give us a call at 515-282-3606 during our operating hours: Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM to 12 PM. We look forward to serving you!

Branch History & Mission

Journey has been a cornerstone of the Des Moines community since its establishment in 1954. With a strong commitment to serving its members, Journey has evolved into a trusted financial partner for many, fostering growth and providing essential services. Located at 2930 SE 14th St, Des Moines, IA 50320, our branch is not just a place to conduct transactions; it's a hub for community connection and support. From humble beginnings, Journey has grown significantly over the years. Today, we proudly serve over 5,156 members and manage assets totaling $88,050,634. This growth reflects our dedication to meeting the financial needs of our community while maintaining personal connections with each member. We are more than just numbers; we are individuals working together towards shared goals. At Journey, our mission is clear: to empower individuals through accessible financial services while making a positive impact in the community. We offer a variety of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our focus is on providing not only financial assistance but also educational resources that help our members make informed decisions about their finances. While members can visit us at 2930 SE 14th St for all their banking needs, official correspondence should be sent to PO Box 1496, Des Moines, IA 50305-1496. Our operating hours are convenient for busy lifestyles: Monday to 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. Journey understands the importance of accessibility. That's why we offer ATM availability and drive-thru banking services for those who prefer quick transactions without leaving their vehicles. Additionally, we participate in shared service centers so members can access their accounts easily at partner locations. Our commitment extends beyond traditional banking practices. We actively engage with local organizations and initiatives that uplift our community. Whether it's through workshops or sponsorships of local events, Journey is dedicated to supporting causes that matter most to our members. Join us on this journey towards financial empowerment and community engagement! Experience firsthand the benefits of being a part of Journey where your financial well-being is our priority. Visit us today or call us at 515-282-3606 for more information on how we can serve you better!

Branch Location & Accessibility

Convenient Access

At Journey, we prioritize accessibility for all members. Our location features ample parking and ADA-compliant facilities, ensuring everyone can visit without hassle. If you prefer the convenience of banking on-the-go, our drive-thru service allows you to complete basic transactions such as deposits and withdrawals quickly and easily.

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at (515) 282-3606. Our friendly staff is always ready to help you with any inquiries you may have. We invite you to visit us at Journey today where your financial journey begins!

Operating Hours

We understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule: open from 9:00 AM to 5:00 PM Monday through Thursday, until 5:30 PM on Fridays, and from 9:00 AM to 12:00 PM on Saturdays. Whether you need assistance during the week or have time to stop by on the weekend, we're here for you!

Services Offered

Journey offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we have something for everyone. Plus, with our ATM availability and shared services for partner credit union members, accessing your funds has never been easier.

Member Eligibility

At Journey, we believe that everyone deserves a supportive financial community, and becoming a member is easier than you might think! If you live, work, or worship in the Des Moines area, you're likely eligible to join our vibrant family. We welcome individuals who share our values of community and cooperation. Joining us not only opens up a world of personalized financial services tailored just for you but also connects you with fellow members who value collaboration and mutual support. For more details on eligibility criteria, feel free to visit this link for the most current information. Ready to take the next step? Opening an account at Journey is straightforward and designed with your convenience in mind. Simply give us a call at (515) 282-3606 or stop by our branch located at 2930 Se 14Th St Des Moines Ia 50320 during our friendly operating hours. We can't wait to help you start your journey towards better financial health!

Business Banking & Commercial Services

Business Loan Options

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 being able to invest in new equipment or expand your operations without the stress of financial constraints. Our loans are designed to empower you at every stage of your journey.

Merchant Services

In addition to loans, we offer robust merchant services that simplify payment processing. Picture this: you've just finished serving a customer who wants to pay with their card. With our services, you can easily accept transactions on-the-go, ensuring you never miss a sale. This means happier customers and smoother operations for your business. Visit us at 2930 Se 14Th St Des Moines Ia 50320 in Des Moines, IA to explore how our business banking and commercial services can fuel your success! For more information, call us at (515) 282-3606.

Comprehensive List Of Services

Auto Loans & Financing

Thinking about getting a new car? We provide Auto Loans & Vehicle Financing that fit various budgets. With competitive rates and flexible terms, we help make the car-buying process hassle-free. Picture yourself driving off in your new vehicle with a payment plan that works for you!

Business Banking

If you're a business owner, Journey supports you with tailored solutions like Merchant Services & Business Loans. We understand the unique challenges businesses face and strive to provide resources that help foster growth and success.

Connect with Us

We invite you to experience all that Journey has to offer at our branch located at 2930 Se 14th St, Des Moines, IA 50320. If you have any questions or need assistance, feel free to reach out at 515-282-3606. Our friendly staff is here to help during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM until noon. At Journey, we believe in building lasting relationships through exceptional service. Come visit us today or explore more about what we offer by visiting our website!

Convenient Access

Your convenience is important to us! We offer several ways for you to manage your banking needs easily: - Use our ATM & Cash Withdrawal Services for quick access to cash. - Benefit from basic drive-thru banking for fast deposits and withdrawals without leaving your car. - Enjoy shared branch transactions if you're a member of partner credit unions making it easier than ever to handle your banking needs.

Mortgage Options

For those ready to settle down, our Mortgage Loans & Refinancing services are here to assist you every step of the way. Whether you're buying your first home or refinancing an existing mortgage, our team will guide you through the process and ensure you find the best rates available.

Personal Banking Solutions

Managing your money should be simple and straightforward. That's why at Journey, we offer Personal Banking options that include checking and savings accounts designed for all lifestyles. Imagine having easy access to your funds anytime through our robust Online & Mobile Banking platforms. You can check balances, transfer money, and pay bills all from the comfort of your home or on the go.

Personal Loans & Credit Cards

Need a little extra cash? Our Personal Loans & Debt Consolidation options can help ease financial burdens with manageable repayment plans. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn benefits while making everyday purchases.

Digital & Online Banking

At Journey, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to give you 24/7 access to your accounts. Whether you're at home or on the go, our services ensure that you have control over your money when you need it most. With just a few clicks, you can log in to our online banking platform at https://journeycu.org/. Here, you can check your balance, pay bills, and transfer funds without any hassle. We also offer e-statements, which allow you to view your account statements electronically saving you time and paper while keeping everything organized. For those busy moments when you're out and about, our mobile application is available for download. You can easily manage your finances right from your smartphone. Plus, if you're looking for convenience in making payments, our mobile payments feature allows you to make transactions quickly and securely. Need to send money to friends or family? With our person-to-person transfer service, sending cash is straightforward and instantaneous. And if you've ever needed to sign documents quickly, you'll appreciate our electronic signature authorization making it easier than ever to finalize transactions without the need for printing. At Journey, security is a top priority. Our online banking services are designed with robust security measures so that you can have peace of mind while managing your finances. Enjoy the ease of real-time account management from the comfort of your home or wherever life takes you! Discover how our digital services can enhance your banking experience today! Visit us at https://journeycu.org/ for more information.

Financial Strength

At Journey, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trusting a financial institution is important, and we're proud to showcase our solid foundation built on strong financial health. With a net worth of $14,021,460, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.92% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $17,202,256 in share certificates and $14,743,708 in money market shares, which offer 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. 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 is also impressive; with $1,323 in used auto loans and $51,771,029 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $361,701, enabling us to continue offering competitive loan rates and solid financial products for our members. 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. Net Shares available for lending and investments stand at $7,357,464, while our total share accounts reflect a strong and growing member base at 14,006 who trust us with their finances. 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 2930 Se 14Th St Des Moines Ia 50320 or call (515) 282-3606 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 $20,103,178 in used vehicle loans and $5,605,532 in new vehicle loans to help our members get on the road confidently. Whether you're interested in a new model or a reliable used option, we have financing solutions tailored for you.

Credit Lines

For those looking for extra flexibility in managing expenses or emergencies, we provide credit lines with a total amount available of $1,800,000. This gives you peace of mind knowing that funds are readily accessible when needed. If you're considering refinancing any existing loans or exploring eligibility options for any of our products, please don't hesitate to ask our friendly staff for assistance. We're dedicated to finding the best financial solutions tailored just for you. 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 your options with Journey today and take the first step toward achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien Family Property loans totaling $7,092,393, we are here to support you through every step of your home-buying journey. Whether it's your first home or an investment property, our team is ready to guide you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $866,264 in these loans helping members manage their finances effectively, our credit cards provide convenience and rewards while allowing you to keep control over your spending.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 means that every loan offer you see is fair and transparent, reflecting the true terms available in the market.

JOURNEY CREDIT UNION - Des Moines, IA

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Loan rates in Des Moines, IA (50320)

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access

Get in Touch

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Auto Loans & Financing

Business Banking

Connect with Us

Convenient Access

Mortgage Options

Personal Banking Solutions

Personal Loans & Credit Cards

Digital & Online Banking

Financial Strength

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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