A Financial No Brainer

Some decisions are hard. Some are easy. Here’s a no-brainer.

Join Journey Federal Credit Union today and choose from one of four financial incentives—from a loan discount to an increased CD rate, to a free credit report review, or an innovative new checking account that lets you worry about something other than fees.

Four really good reasons to join. We didn’t even mention the fact that we’re local. And yes, we believe that actually matters these days.

Your choices are detailed below. Pick one, and then call us, or join online, or email us, or just walk into one of our branches and introduce yourself.

We’ll be the ones waiting for you.


Start Your Journey      Email Us      Call Us


Choose Your Adventure*

1% Loan Discount

Rates may be going up everywhere else, but not for new members like you. Join JFCU today, and we’ll knock 1% off that loan you’ve been looking for.

DISCLOSURE: Limited time offer. Not valid on loan specials, credit cards, quick cash loans, revolving loans, real estate loans, or student loans. Credit approval and other restrictions apply. Discount applies to contracted rate or JFCUs current rate sheet only. Personal loan rate floor of 7.65% APR, up to $10,000 maximum. Rate floor of 2.65% APR & 4.65% APR applies to auto & miscellaneous secured loans, respectively. JFCU reserves the right to end or modify this offer at any time.


1% CD Rate Bump

Need a boost? Let us help you get one step ahead! Simply visit a JFCU branch or give us a call. You will receive a one-time bump of 1% on any new or existing certificate rate for the remaining term.

DISCLOSURE: APY = Annual Percentage Yield. Rate bump to JFCUs current rate sheet only, including IRA certificates. Does not apply to certificate specials. One bump allowed per certificate. Requires a minimum $25 opening balance. Maximum balance eligible for promotion is $500,000. Certificate accounts subject to early withdrawal penalties. See disclosure of specific details on individual accounts. Rates and Terms are subject to change at any time. 


Free Credit Report Review

As a member of Journey FCU, you can meet with our team absolutely free to review your credit report and discuss ways you can improve your credit score. Our experts are here to help by offering tips to improve your financial journey – and maybe save you some money along the way! During your Free Credit Report Review, a member of our team will:

  • Review the details of your credit report and score.
  • Provide information on how to correct mistakes.
  • Give you suggestions on how to improve your score.

Schedule an appointment online or give us a call at 989-227-3700.

DISCLOSURE: Maximum 60-minute appointment with a member of our team. Appointment does not constitute a firm offer of credit. 


Cruise Control Checking – FREE for 1 year

Open a new Cruise Control Checking account today – We want you along for the ride! Cruise Control Checking lets you use your checking account without the worry of the fees associated with the following services:

  • Non-Sufficient Funds
  • Courtesy Pay
  • Overdraft Transfer     

DISCLOSURE: Account eligibility based on creditworthiness. Monthly fee of $9.99 will be automatically applied to account after 12 consecutive months. One offer per member, per account. Account will be automatically enrolled in eStatements and eNotices. Fees related to lending operations as well as several others (Stop Payment Fees, Late Fee, Skip a Pay Fee, etc) will still be charged. JFCU reserves the right collect any funds owed due to a negative account balance, as permitted by applicable laws. May not be combined with any other offer. 


*Limited time offer. See Credit Union for complete details. Federally insured by the NCUA.


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