Legal Disclaimers & Information

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.