Regular Share/Savings Account

A Regular Share/Savings Account with a $5.00 minimum balance establishes you as a credit union member. This entitles you to take advantage of ALL the products and services offered by Journey Federal Credit Union and qualifies you to VOTE in all credit union elections.

Money Market Share Account

Looking for an enhanced share/savings account to meet your special financial needs? This account earns a higher APY (Annual Percentage Yield) without tying your money up like a share certificate.

Christmas Club Account

Make your holidays brighter! Open a Christmas Club account. It's easy to watch your money grow as you payroll deduct for the upcoming holidays. You are in control - you decide how much and how frequently you want to deposit into this account. Christmas Club dollars are available for your holidays on November 1st.

Youth Share/Savings Account

This account is geared towards the development of your child's savings habit. The qualifying ages for this account is zero to 18 years of age. There is NO minimum balance fee or service charge on this account, and their dollars start earning dividends once the $5.00 minimum balance is met.

Miscellaneous Share/Savings Accounts

These accounts are perfect for the something special you are saving up for. There are NO minimum balance requirements and NO monthly service fees to worry about. These sub-accounts are opened under your main account number and will appear right on your regular monthly and/or quarterly statements. Yet the funds are in a separate account making it easy for you to put money aside for a special occasion like a vacation or to pay taxes or for new furniture.

IRA (Individual Retirement Account) Share/Savings Account)

Put aside money for your retirement with an IRA from Journey Federal Credit Union. You can choose from several IRA options, including Roth and Educational.

Share/Savings Rates
Effective Date: Friday, July 19th, 2024
Share TypeDividend RateAPY*
Journey Checking No Dividend Earned N/A
Regular Share/Savings**
$0 to $99.99 0.00% 0.00%
$100.00 and Over 0.05% 0.05%
Youth Share/Savings**
$0.00 to $4.99 0.00% 0.00%
$5.00 and Over 0.05% 0.05%
Life Share/Savings**
$0 to $99.99 0.00% 0.00%
$100.00 and Over 0.05% 0.05%
Money Market Share/Savings***
$0 to $1,999.99 0.00% 0.00%
$2,000.00 to $49,999.99 1.243% 1.25%
$50,000.00 to $149,999.99 1.638% 1.65%
$150,000.00 and Over 2.129% 2.15%
IRA Share/Savings Account
($1 minimum balance to earn dividends)** 0.05% 0.05%
Millennium Checking
$0 to $499.99 0.00% 0.00%
$500.00 and Over 0.05% 0.05%
APY = Annual Percentage Yield.
**Minimum amount to open is $5.00
***Minimum amount to open is $2,000


Account Questions


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