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Journey Federal Credit Union



Personal Loans

*NEW* Credit Starter Loan

Building good credit is a long (and sometimes complicated) process. After graduating high school, it seems like you’re looking to buy your first car, and before you know it, the investment of buying a house is looming. If credit isn’t established before applying for auto loans, mortgages, or other financing, it could make approval near impossible. That’s why we’re committed to making your financial dreams a reality!

Introducing our new Credit Starter Loan! Building credit now and proving that you’re a responsible borrower will help you get the best rates when the time comes for your first big loan!

Apply today to start building credit & discover the possibilities it will bring!

Quick Cash Loans

If you need cash fast, we've got your alternative to payday lending! Get up to $500 for whatever you need from holiday shopping to paying off debt to a weekend getaway!

Unsecured/Signature Loans

Your signature is all the security you need for a low-cost loan that can be used for anything you want…from a loan for a home computer to a loan for a vacation.

Lines of Credit

Any time you need money, you just take an advance off your pre-approved Line of Credit. Take an advance through the convenience of our online Home Banking (e*Teller) or through the convenience of your phone (Touch Tone Teller).


Personal Loan Rates
Effective Date: Thursday, December 13th, 2018
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Credit Starter Loan 12.00% 12 months 12 payments of $89.26 $1,000
Quick Cash Loan 18.00% 4 months Minimum weekly payment $35/$65 bi-weekly $500
$20 application fee applies to all Quick Cash loans regardless of credit. Discounts do not apply. Must have Credit Union checking account in good standing for at least 6 months.
Signature Loan 9.90% 36 months 36 payments of $32.35 $20,000
  10.90% 48 months 48 payments of $25.91 $20,000
  11.90% 60 months 60 payments of $22.30 $20,000
Share or CD Secured 2.50% over rate paid Match to Maturity Varies $100,000
Personal Line of Credit 13.90% Revolving 3.5% of outstanding balance
minimum $15
$10,000 outstanding balance; minimum $40
Overdraft Plus, Overdraft Protection 15.00% Revolving 3.5% of outstanding balance; minimum $15 $2,000 outstanding balance; minimum $40
*APR = Annual Percentage Rate. Rate subject to risk adjustment. Credit restrictions apply.

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
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