Journey

PO Box 1496, Des Moines, IA 50305

NCUA Insured4.6 (100 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Des Moines, IA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 1496

Des Moines, IA 50305

Google Maps 🗺Waze

(515) 243-8735

Service Area

This credit union is located in Des Moines and serves members in the IA area. Currently serving 5,151 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.69%

Used Auto Loan

8.21%

Personal Loan

12.59%

Credit Card APR

10.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IA

Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).

Telco Triad Community— New Auto Loan

Sioux City, IA

1.99%

Waterloo Firemen'S— Used Auto Loan

Waterloo, IA

2.75%

Financial Plus— Personal Loan

West Des Moines, IA

7.91%

Affinity— Credit Card APR

Des Moines, IA

8.19%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.6

100 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Nick Willey

8 months ago

I have recently received 2 loans from JCU, one for a recreational vehicle and one for a new truck. The process was fast and easy, just a few emails back and forth, signed electronic documents and picked up the checks at the drive through. Alexandria and Alisha made the process fast and convenient with great percentage rates. I highly recommend JCU.

Derek Of Rivia

9 months ago

Tried scheduling an appointment as a new customer but that seemed to be too much to handle. The woman answering phones cant do anything. She has to pass it on to the loan officer who is always busy, which leads to them saying theyll call back. I get a voicemail the next day from a LO who says to call her back but its just the same number I called yesterday. No extension. So I call back (takes 5 tries) and get the front desk lady again who restarts the process saying the LO is busy and she can call back. I called in with a specific date two weeks from now that i wanted to go in. Crazy to me how a secretary or whatever she is cant schedule something. Not to mention she wanted to give an attitude like I was in the wrong by trying to do business. Seems I can either keep calling or go in and wait until they have to help me on person. But really they just lost my business. For being rated so highly, it feels like 1 star service.

cherry perry

10 months ago

I love banking here. Staff is super friendly, professional and personal. They are friendly and always call you by your name with a smile ! It’s so nice , especially these days .

Shawn Heathcote

4 months ago

I just wanted to say thank you Kaylee for being so kind today when i was receiving such bad news gave me a little hope.

Leziga “Ella Barikor” Grace

a year ago

I wanted to close my account partially because of their exorbitant fees and was met with this message Monday morning. Even if I disliked their fee policy, that doesn't mean they get to be rude and unprofessional to me in response. Truly abhorrent and petty behavior from their representatives. I would not recommend this place as they have terrible customer service, which is also what prompted me to close my account. And they treat you like dirt the minute you say they can't have your money anymore. "Iowa Nice" has never looked so mean. I'm posting this twice as it's unclear what location Kaylee is at.