Affordable lending solutions for all your financial needs.
At Justice Federal, we understand that your financial journey is unique. That’s why we offer a wide range of lending options designed to meet your needs—whether you're buying a home, upgrading your vehicle, consolidating debt, or covering life’s unexpected expenses.
With flexible terms and competitive rates, our loans are built to fit your budget and help you achieve your goals with confidence. Plus, as a member-owned credit union, we’re here to support you every step of the way—with personalized service and a commitment to your financial well-being.
Borrow up to $10,000 As low as 6.90% APR*
for up to 48 months. Limited Time Offer**
No payment for up to 90 days***
Low Rate. No Fees.
As low as 4.69% APR1 for 24 Months4
As low as 7.89% APR* for 96 Months5
$0 Payment for up to 90 Days2
$0 Down Payment
Up to 125% Financing3
0% INTRO APR6 For 12 Months on ALL purchases on purchases
Improve Your Home • Consolidate Debt • Finance Education
Borrow up to $250,000 of your Home’s Equity7
MORTGAGE
3%Down Payment for First Time Homebuyers
97% Mortgage Financing8
30-Year Term
Flexible Debt-to-Income
Down Payment Gift Accepted
1% Origination Fee Waived
Legal Disclaimers & Information
HOLIDAY LOAN:*APR = Annual Percentage Rate. Rate effective December 1, 2025. $500 minimum loan amount. Example of repayment terms: 48 monthly payments of $23.91 per $1,000 borrowed.
**Limited time offer:
Offer ends December 31, 2025. Justice Federal reserves the right to cease this promotional offer at any time without notice to the membership.
***Interest will continue to accrue.
AUTO LOANS: 1APR = Annual Percentage Rate. Rate as of December 1, 2025 and subject to change without notice. Actual APR will be determined when you apply and will be based on factors including credit history, amount financed and the term of your loan.
2Interest will continue to accrue.
3Down payment may be required based on creditworthiness. 100-125% financing not available to all applicants.
424 monthly payments of $43.81 per $1,000 borrowed.
596 monthly payments of $14.13 per $1,000 borrowed. Other rates and terms available. See Representative for details. TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates. 175 Berkeley Street, Boston, MA 02116 USA. © 2025 Liberty Mutual Insurance. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by Justice Federal.
VISA CREDIT CARD: 6APR = Annual Percentage Rate. Offer as of December 1, 2025. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the
twelve-month period immediately following the date your account is established. If you have previously received a Credit Card from us within the last 3 years, the twelve-month introductory rate will not apply to new
Credit Cards. VISA Platinum Card subject to the following: Balance transfer fee, cash advance fee, or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction
fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. VISA Signature Credit Card
subject to the following: Balance transfer fee, cash advance fee, convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Credit card has no annual fee, or transaction fee. To
view the Credit Card Account Agreement and Federal Disclosure Statement visit www.jfcu.org or see a representative for details. Visa ® is a registered trademark of the Visa International Service Association.
HOME EQUITY: 7Closing costs range from $150-$3,000. The closing costs may vary based on the location, government recording charges and the amount of the equity loan. Property Insurance is required. Interest on the amount greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Other restrictions may apply. Interest may be tax deductible. Consult a Tax Advisor. Home Equity Lines of Credit and Home Equity Loans are not available in all states.
MORTGAGE: 8Home loans subject to credit and property approval. Rate is based on an evaluation of creditworthiness. Primary residences only. The closing costs are to be paid by the borrowers. PMI may be applicable. Payment example: $400,000 mortgage at a rate of 5.875% (6.282% Annual Percentage Rate) for 30 years, equals monthly payment of $2,366.15. Taxes, Homeowner Insurance and Private Mortgage Insurance not included in payment example. Loan Level Price Adjustment (LLPA) may apply to the interest rate based on loan to value, property type and credit score.
