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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: Tuesday, August 11th, 2020
APR*Max TermEst. Monthly Payment
(per $1,000)
Max Loan Amount
Signature Loan As low as 9.74% 60 months 60 payments of $21.21 $20,000
Share or CD Secured 2.50% over rate paid Match to Maturity Varies $100,000
Credit Starter Loan 12.00% 12 months 12 payments of $89.26 $1,000
Overdraft Line of Credit 13.00% Revolving 3.5% of outstanding balance; minimum $15 $200 outstanding balance; minimum $15
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 and whether or not loan is approved. Discounts do not apply. Must have Credit Union checking account in good standing for at least 3 months.
*APR = Annual Percentage Rate. As low as rate reflects 0.25% auto pay discount. Other rates & terms available. 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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