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. Since our establishment in 1972, we have dedicated ourselves to serving our community and providing exceptional financial services tailored to meet the needs of our members. With over 17,448 members and total assets reaching $177,792,811, we pride ourselves on being a reliable resource for personal banking, auto loans, mortgages, and business banking solutions. At Journey, we understand that every member is unique. That's why we offer a wide range of services including checking and savings accounts, auto financing, mortgage loans, credit cards with rewards, and more. Our commitment to you goes beyond just numbers; it's about building lasting relationships based on trust and support. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to the same address: 1200 Zeeb Dr, Saint Johns, MI 48879-1150. Our friendly team is here to assist you during lobby hours from Monday through Friday, with convenient drive-thru options available as well. Under the leadership of our CEO Jeffrey Kusler and Board President Christopher Kowatch, we strive to maintain a strong net worth of $16,525,317 and ensure a secure environment for your deposits currently amounting to $19,203,899. We also have cash readily available for our members with a total of $1,437,890 in hand. Your financial journey starts here! If you're looking for personalized service combined with competitive rates and a community-focused approach, look no further than Journey. Feel free to reach out to us at (989) 224-9511 or visit our website at Journey FCU for more information about how we can help you achieve your financial goals. Together, let's navigate your path to financial success!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become a part of our Journey family. Whether you're seeking personal banking solutions or exploring business options, we are here for you every step of the way. Visit us today or call us at 989-224-9511 to learn more about how we can help you achieve your financial goals! Discover the difference with Journey Credit Union where your success is our mission!

Mission Statement

At Journey, our mission extends beyond just offering loans and accounts; we aim to uplift the communities we serve. We believe in empowering individuals through sound financial education and responsible lending practices. This commitment helps us build lasting relationships with our members and their families. We are proud of our involvement in various community outreach programs, partnering with local organizations to support initiatives that promote financial literacy and overall well-being. By investing in our community's future, we ensure that everyone has the opportunity to thrive. While members can visit us at 1200 Zeeb Dr, official correspondence should be sent to 1200 Zeeb Dr, Saint Johns, MI 48879-1150 if necessary. Our operating hours are designed for your convenience: Monday through Thursday from 8:00 AM - 5:30 PM, Friday from 7:00 AM - 5:30 PM, and Saturday from 9:00 AM - 12:00 PM. Our drive-thru service is available for quick transactions, complemented by ATM access for added flexibility. With a dedicated team of 38 employees ready to assist you, we invite you to experience what sets Journey apart.

Our Journey

From our humble beginnings at 1200 Zeeb Dr, we have continually evolved to meet the needs of our members. Since opening our doors, we've embraced innovation while staying true to our mission: to provide accessible financial services and foster community growth. Our branch is not just a place for transactions; it's a hub for connection and support. In addition to standard banking services, we've integrated modern technology to enhance your experience. You can enjoy online banking, mobile payments, and even electronic signature options making it easier than ever to manage your finances on the go. We also maintain ADA compliance to ensure that all members can access our services comfortably.

Branch Location & Accessibility

Easy Access and Parking

At our branch, we prioritize accessibility for all members. The location is fully ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us without hassle. You'll find ample parking available right outside our doors, so you can quickly pop in for your banking needs.

Get in Touch

Have questions or need assistance? Our friendly staff is always ready to help! You can reach us at 989-224-9511 for any inquiries you may have. We're here to support your journey towards financial wellness. While members can visit us at 1200 Zeeb Dr, official correspondence should be sent to our mailing address at 1200 Zeeb Dr, Saint Johns, MI 48879-1150. We invite you to stop by and experience the difference at Journey Credit Union today!

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why our operating hours are designed to accommodate your schedule. The lobby is open Monday through Friday from 9 AM to 5 PM, with extended hours on Friday starting at 7 AM for those early risers. We also welcome you on Saturdays from 9 AM to noon. If you're in a hurry, our drive-thru service offers convenience with similar hours perfect for quick deposits or withdrawals without leaving your vehicle.

Services Tailored for You

At Journey Credit Union, we offer a range of services to meet your financial needs. Whether you're looking to open a checking or savings account, apply for an auto loan, or manage business banking solutions, we've got you covered. Plus, enjoy the added benefit of ATM access right here at the branch!

Member Eligibility

At Journey, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in the Saint Johns area, you're likely eligible to join us. We pride ourselves on being inclusive, so whether you're looking for personal banking options like checking and savings accounts or loans for your next vehicle, there's something here for everyone. For those interested in exploring our eligibility criteria further, we invite you to visit our website at . Joining Journey not only connects you with a range of financial services tailored to your needs but also brings you into a network of fellow members who share common interests and goals. Ready to take the next step? Opening an account is straightforward! You can start your journey by visiting https://loans.itsme247.com/354/home/start or giving us a call at (989) 224-9511. Our friendly team is here to assist you every step of the way, ensuring that you feel right at home with us at 1200 Zeeb Dr, Saint Johns MI 48879.

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a partner who understands your payment processing needs as much as you do. Our merchant services streamline transactions, allowing you to focus on what matters most running your business. Whether it's accepting credit cards or setting up mobile payments, we've got you covered. Located at 1200 Zeeb Dr Saint Johns Mi 48879 in Saint Johns, MI, we're here to support your entrepreneurial journey. Give us a call at (989) 224-9511 to discover how our business banking services can empower your success!

Tailored Loan Options

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 Options

If you're a business owner, Journey has valuable resources for you as well. Our business banking services include merchant services that simplify payment processing for your customers and various business loans that can help your company thrive.

Convenient Access and Support

We know that convenience is key in today's fast-paced world. That's why we offer an array of ATM services for quick withdrawals and balance checks right at your fingertips. Our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car, making it simple to manage your finances on the go. Need assistance? Give us a call at 989-224-9511 during our lobby hours Monday through Friday from 9:00 AM to 5:00 PM or Saturday from 9:00 AM to 12:00 PM or visit us in person!

Digital Banking Features

Embrace modern banking with our robust digital features! With online banking and mobile payments available, accessing your account has never been easier. You can make transfers or pay bills anytime, anywhere. Plus, if you're looking for secure ways to send money to friends or family, check out our person-to-person payment service. At Journey, we're committed to providing you with comprehensive financial solutions that are easy to access and use. Explore all the possibilities waiting for you at our St. Johns Branch today! For more information or to open an account, visit us at Journey's Website or click here to get started on your journey toward financial success!

Personal Banking Solutions

Our personal banking services are tailored to help you achieve your financial goals. We offer checking and savings accounts that make managing your money easy and efficient. Imagine having instant access to your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills from anywhere. Additionally, if you're in the market for a new car or need some extra cash, our auto loans and personal loans can provide the financing options you need. For those considering homeownership, we provide mortgage loans and refinancing options designed to fit various budgets. And don't forget about our credit cards with rewards, which allow you to earn while you spend perfect for everyday purchases or special occasions.

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 keep you connected to your money anytime, anywhere. With our user-friendly platform, you can enjoy peace of mind knowing that your financial information is safe while having the convenience of 24/7 access to your accounts. One of the highlights of our digital banking services is our comprehensive online banking system. You can easily log in at https://www.journeyfcu.org/ to check balances, transfer funds, and pay bills with just a few clicks. Whether you're at home or on the go, managing your finances has never been simpler. We know that security is important to you, which is why we provide electronic signature authorization for transactions. This feature not only streamlines your banking experience but also adds an extra layer of protection. Plus, with e-statements available, you can keep track of your account activity without the clutter of paper statements. Are you looking for quick ways to send money to friends or family? Our person-to-person transfer service allows you to do just that, making it easy to share expenses or split bills in real time. And if you're someone who prefers using mobile payments, you'll be pleased to know that we support this feature too! Simply use your smartphone for quick and secure transactions. Although our mobile application is currently not available, our website ensures that all these features are accessible from any device with internet access. So whether you're using a computer or a smartphone, managing your money is at your fingertips. At Journey, we're committed to making banking convenient for you. Experience the ease and security of our digital banking services today!

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 are proud to share our financial strength with you, ensuring that your trust in us is well placed. 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 net worth ratio of 928% 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 $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. 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. Our lending capacity supports members' financial goals across various sectors with $4,230 in used auto loans and a total of $116,061,670 in loans and leases. Our operations are efficient as reflected by our impressive net income of $928,685, enabling us to continue offering competitive loan rates and solid financial products for our members. 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. The numbers speak volumes: we have a total of 38,608 share accounts, showing a strong and growing member base that trusts us with their finances. Additionally, our net shares (funds available for lending and investments) stand at $1,330. 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 us at 989-224-9511 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, with over $44,829,036 in used vehicle loans and $15,379,000 in new vehicle loans already helping members get on the road. We provide flexible terms that fit your budget and lifestyle.

Credit Lines and Refinancing

If you're considering a credit line for personal or business use, we have an impressive total of $34,000,000 available. We also provide refinancing options to help you lower your payments or consolidate debt more effectively. Our knowledgeable team is here to assist you through every step of the application process. If you're unsure about your eligibility for any of these products or need guidance on refinancing options, don't hesitate to reach out to us at 989-224-9511. For more information on all our services including personal banking solutions visit us online at Journey FCU. Remember, 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 our loan offerings today and see how we can support your journey toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,093,071, making it easier for you to invest in your future.

Unsecured Credit Card Loans

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 that can benefit you while you spend.

Loan Aggregator

Accurate Comparisons

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