Journey Credit Union, located at 1400 2nd Ave in Des Moines, Iowa, is a member-owned financial cooperative that provides a range of banking services through a cooperative model. Established to serve the financial needs of its members, the organization operates on principles of democratic governance, with eligibility-based membership contributing to a collective ownership structure. Its core functions include accepting deposits, offering loan products, and facilitating payment services, all delivered through a combination of brick-and-mortar branches and digital channels.
Historically, Journey Credit Union emerged as a local financial cooperative designed to prioritize member interests and community access to affordable financial services. The organization emphasizes prudent financial management, regulatory compliance, and safe-keeping of member funds within insured accounts. Operational scope encompasses standard consumer and small-business banking activities, aiming to support day-to-day financial transactions, savings goals, and responsible borrowing. The credit union's mandate centers on financial inclusion, member education, and service delivery aligned with the needs of its membership and the Des Moines community.
Better than 43% of providers in Des Moines
In addition to the primary service, Journey Credit Union also offers:
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Journey Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Journey Credit Union is listed as a financial service provider in Des Moines, IA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Journey Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Journey Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Journey Credit Union with other providers in Des Moines and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Journey Credit Union has a rating of 4.6, which is better than 43% of providers in Des Moines.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Journey Credit Union requests. It is always best to call ahead using the phone number on this page so Journey Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Journey Credit Union also offers: Credit union, Bank, Loan agency.