Journey Credit Union Des Moines IA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Journey Credit Union, where your financial well-being is our top priority! Established in 1954, we have proudly served our community in Des Moines, IA, and beyond for nearly seven decades. Located at 1400 2Nd Ave, Des Moines, IA 50314, our branch is a place where members are treated like family, and your financial goals become our mission. At Journey, we believe that banking should be personal and accessible. With over 5,156 members relying on us, we are committed to providing tailored services that meet your unique needs. Our total assets exceed $88 million, ensuring that we have the resources to support you through every step of your financial journey. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered with a variety of options designed for all stages of life. Under the leadership of CEO Rachel Ballenger and Board President Ted Crow, our team works diligently to foster a sense of community among our members. With 16 dedicated employees, we strive to deliver exceptional service and build lasting relationships. Our commitment extends beyond just transactions; it's about empowering you with the knowledge and tools necessary for sound financial decisions. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 1496, Des Moines, IA 50305-1496. We invite you to explore our services further by visiting us online at Journey Credit Union or giving us a call at 515-243-8735. Your journey towards financial security starts here let's take it together!

Branch History & Mission

At Journey, we are proud to have deep roots in the community of Des Moines, Iowa. Since our establishment in 1954, we have grown from a small credit union into a thriving financial institution that serves over 5,156 members. Our branch at 1400 2Nd Ave, Des Moines, IA 50314 has become a cornerstone for local families and businesses seeking reliable financial services. Our mission is clear: we aim to empower our members by providing them with accessible and affordable financial solutions. We believe that everyone deserves the opportunity to achieve their financial goals. This commitment drives us to offer a range of services including personal banking, auto loans, mortgages, and business banking. Our member-centric approach ensures that we listen and adapt to the needs of our community. While members can visit us at 1400 2Nd Ave, official correspondence should be sent to our mailing address: PO Box 1496, Des Moines, IA 50305-1496. Over the years, Journey has achieved significant milestones. We currently hold total assets of $88,050,634, reflecting our stability and growth. Our operating hours are designed to cater to your busy schedule; we are open from 9:00 am to 5:00 pm Monday through Thursday, extending until 5:30 pm on Fridays, and offering Saturday hours from 9:00 am to 12:00 pm. In addition to traditional banking services, we are committed to making banking easier through digital advancements. Our online and mobile banking options allow members to manage their accounts anytime, anywhere. We're also proud of our drive-thru service that provides quick access for deposits and withdrawals. Journey believes in giving back to the community. We actively participate in outreach efforts and partnerships aimed at supporting local initiatives. From financial literacy programs to community events, we're dedicated to uplifting those around us. As we continue this journey together, we invite you to join our family at Journey Credit Union. Experience personalized service and the many benefits we offer by becoming a member today! For more information or assistance, feel free to call us at 515-243-8735 or visit our website at journeycu.org. Together, let's reach new financial heights!

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

While you're here, don't forget about our drive-thru banking option! It's perfect for quick deposits and withdrawals without leaving your car. Although we don't have ATMs on-site, our shared service center allows you to conduct basic transactions with partner credit union members easily. From personal banking services like checking accounts and auto loans to business banking solutions, we've got everything covered under one roof. If you need to reach out with questions or for further assistance, feel free to give us a call at 515-243-8735. We invite you to visit us soon at Journey Credit Union your financial journey starts here!

Easy Access and Nearby Landmarks

Getting to us is a breeze. We're situated near local landmarks like the iconic State Capitol building and just a stone's throw away from several popular shopping areas. Our location offers ample parking, so you can easily pop in for a visit. Plus, we have features that make banking accessible for everyone, including ADA-compliant ramps.

Operating Hours Tailored for You

At Journey Credit Union, we understand that life can be busy. That's why we offer flexible operating hours to fit your schedule! Visit us 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. We want to ensure you can get the assistance you need when it works best for you.

Member Eligibility

At Journey, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is simple and welcoming! If you live, work, or worship in the area, you're likely eligible to become a member. We embrace individuals and families from all walks of life, offering you the opportunity to enjoy our range of financial services tailored just for you. For more details on eligibility, feel free to explore our guidelines at . Getting started with your membership is a breeze! You can easily open an account by visiting us at our location: 1400 2Nd Ave Des Moines Ia 50314, or if you prefer, give us a call at (515) 243-8735 for any questions or assistance. Our friendly team is here to help guide you through the process, ensuring you feel right at home from the very beginning. Join Journey today and take the first step towards achieving your financial goals with us!

Business Banking & Commercial Services

Lending 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. With these options, you can take the next step towards achieving your business goals. Our local expertise ensures that you're not just another number; we are here to help you thrive.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: You're at a bustling market or running an online store, and customers want to pay quickly and easily. Our merchant solutions make transactions seamless, allowing you to focus on what matters most growing your business. Located conveniently at 1400 2Nd Ave Des Moines Ia 50314 in Des Moines, IA, we invite you to explore how Journey can be your partner in success. For more information or assistance, don't hesitate to call us at (515) 243-8735!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide robust banking solutions including merchant services and business loans. We understand that running a business requires reliable financial support, and we're here to partner with you every step of the way.

Digital Banking Convenience

In today's fast-paced world, managing your finances online is essential. With our online and mobile banking features, you can easily check balances, pay bills, and transfer money right from your smartphone or computer. Plus, our ATM and cash withdrawal services ensure that accessing your funds is quick and easy although we currently do not have ATMs on site.

Drive-Thru and Shared Branch Transactions

If you prefer face-to-face interactions but have a busy schedule, our basic drive-thru banking allows you to complete deposits, withdrawals, and other simple transactions without leaving your car. Additionally, if you're a member of another participating credit union, we offer basic shared branch transactions, allowing you access to your funds no matter where you are. At Journey, we strive to meet all of your financial needs under one roof. Our dedicated staff is always ready to assist you with personalized service because your satisfaction is important to us. If you're ready to learn more about how we can help improve your financial well-being or if you'd like assistance with any of our services mentioned above, don't hesitate to reach out! Call us at (515) 243-8735 or visit us at 1400 2nd Avenue today!

Home Financing

When it comes to purchasing a home, having the right mortgage is crucial. Our mortgage loans and refinancing options are designed to make homeownership more accessible. Our experienced team will guide you through the process, helping you choose the best loan for your situation.

Loans for Every Need

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options to help you manage those costs effectively. And if you're looking for rewards while spending, check out our credit cards with rewards perfect for earning points on everyday purchases.

Personal Banking Solutions

For those looking to manage their day-to-day finances, our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a big purchase or just need a safe place for your money, we have options that work for you. If you're thinking about buying a car, consider our auto loans and vehicle financing solutions. We provide competitive rates and flexible terms, ensuring you can drive away with confidence.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform is user-friendly and packed with features to help you take control of your finances. Need to review your account balance? Want to transfer money to a friend? You can do all this and more right from our mobile application, which is available for download now. Plus, our person-to-person transfer feature makes sending money to family or friends a breeze. Security is paramount at Journey. We provide electronic signature authorization for secure document handling, ensuring that your transactions are both safe and efficient. You can also opt for e-statements, allowing you to keep track of your finances without the clutter of paper statements.

Stay Connected Anytime, Anywhere

With our mobile payments feature, you can make purchases directly from your smartphone. It's quick, easy, and keeps your financial information secure. Managing your accounts in real-time has never been simpler. Whether you're at home or on the go, Journey offers all the tools you need to manage your finances effectively. Our commitment to accessibility means you can enjoy these services whenever it suits you best. Experience the ease of digital banking today!

Financial Strength

Focused Growth and Innovation

We also boast $9,991,004 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,323 in used auto loans and $51,771,029 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

Your savings are secure with us 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.

Operational Efficiency

Our operational efficiency is reflected in our $1,230,456, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 14 full-time employees and 2 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

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.

Strong Membership Base

We have a growing member base with a total of 14,006 share accounts, showing that more people trust us with their finances. Additionally, net shares (funds available for lending and investments) stand at $7,357,464, reinforcing our ability to support your borrowing needs effectively. 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.

Loan Offering

Additional Loan Options

In addition to these primary offerings, we provide credit lines totaling $1,800,000 for those who may require additional flexibility in managing their finances. If you're considering refinancing any existing loans or checking eligibility options for our products, please reach out so we can assist you further. We invite you to explore how our loan products can support your financial journey. Our dedicated team is ready to guide you through the process and answer any questions you might have. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or check out our website at journeycu.org for more information!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've issued 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 need financing for a brand-new model or a reliable used car, we have options that will work for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $7,092,393. This can be a great opportunity to secure a stable future in your own home.

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 various benefits designed to meet everyday spending needs without added stress.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 adherence to established guidelines ensures that users receive fair and transparent offers. By connecting directly with reputable financial institutions, LendMesh guarantees that every loan comparison reflects current market conditions.

Journey