Deposit Rates
Rates are subject to change at any time. All Rates and APY’s stated as a percentage
The following represents our standard savings and investment rates effective as of 1/23/2025.
Savings
Basic Share Savings Tier 1 = up to $4,999.99 | Tier 2 = $5,000.00+
| Type | Rate | APY* |
|---|---|---|
| Tier 1 | 0.75% | 0.75% |
| Tier 2 | 1.20% | 1.21% |
Youth Savings
Youth Savings Tier 1 = up to $4,999.99 | Tier 2 = $5,000.00+
| Type | Rate | APY* |
|---|---|---|
| Tier 1 | 0.85% | 0.85% |
| Tier 2 | 1.25% | 1.26% |
Holiday Accounts
| Type | Rate | APY* |
|---|---|---|
| Holiday Accounts | 0.85% | 0.85% |
IRA Savings: $1000 Minimum
| Type | Rate | APY* |
|---|---|---|
| IRA Share Savings | 3.90% | 3.96% |
| IRA 36 Month Share Certificate | 2.50% | 2.53% |
Money Market Accounts
Tier 1 = $5,000.00 – $24,999.99 | Tier 2 = $25,000.00 – $49,999.99 | Tier 3 = $50,000.00 – $89,999.99 | Tier 4 = $90,000.00 – $149,999.99 | Tier 5 = $150,000.00 +
| TYPE | RATE | APY* |
|---|---|---|
| Tier 1 | 2.00% | 2.02% |
| Tier 2 | 2.40% | 2.43% |
| Tier 3 | 2.60% | 2.63% |
| Tier 4 | 2.90% | 2.94% |
| Tier 5 | 3.10% | 3.14% |
Certificates
$2,500 Minimum
| TERM | RATE | APY* |
|---|---|---|
| 6 months | 3.90% | 3.97% |
| 12 months | 3.85% | 3.92% |
| 24 months | 3.65% | 3.71% |
| 36 months | 3.50% | 3.56% |
| 48 months | 3.35% | 3.40% |
| 60 months | 3.25% | 3.30% |
Special Certificates
$10,000 Minimum
| TERM | RATE | APY* |
|---|---|---|
| 13 months | 3.90% | 3.97% |
| 18 months | 3.80% | 3.87% |
Jumbo Certificates
$100,000 Minimum
| TERM | RATE | APY* |
|---|---|---|
| 6 months | 4.35% | 4.44% |
| 12 months | 4.20% | 4.28% |
| 24 months | 4.00% | 4.07% |
| 36 months | 3.95% | 4.02%% |
| 48 months | 3.90% | 3.97% |
| 60 months | 3.90% | 3.97% |
Premier Certificates
From $60,000.00 to $99,999.99
| TERM | RATE | APY |
|---|---|---|
| 6 months | 4.20% | 4.28% |
| 12 months | 4.10% | 4.18% |
| 24 months | 3.95% | 4.02% |
| 36 months | 3.90% | 3.97% |
| 48 months | 3.80% | 3.87% |
| 60 months | 3.80% | 3.87% |
Youth Certificates
$500 Minimum
| TERM | RATE | APY* |
|---|---|---|
| 6 months | 4.20% | 4.28% |
| 12 months | 4.10% | 4.18% |
| 24 months | 3.90% | 3.97% |
At times, we may provide links to sites outside the control of our Credit Union. We do not make any representations concerning the linked sites’ contents or availability. You should review each site’s privacy and information security policies carefully before you enter confidential information. Deposit and loan products offered by Journey Credit Union. This credit union is federally insured by the National Credit Union Administration. The standard insurance amount is $250,000 per depositor.
At times, we may provide links to sites outside the control of our Credit Union. We do not make any representations concerning the linked sites’ contents or availability. You should review each site’s privacy and information security policies carefully before you enter confidential information. Deposit and loan products offered by Journey Credit Union. This credit union is federally insured by the National Credit Union Administration. The standard insurance amount is $250,000 per depositor.
Equal Housing Lender.
Equal Housing Lender.