certificates
Your Retirement Your Way
Share Certificate Account
Share Certificates allow your money to grow with higher, market competitive rates. So whether you are saving for a new home, a special rainy day, or retirement, open a Share Certificate Account to make it easy!
- Terms from 90 days to 60 months
- Minimum deposit requirement as low as $500
- No maximum deposit
- Dividends earned from the day of deposit, compounded and paid quarterly
- A quarterly statement of earnings
- A maturity notice and 10 day grace period to examine reinvestment alternatives
- Quick access to earnings: dividends can be credited to other share accounts or even mailed to account holder
- Safe and Secure NCUA insurance
Individual Retirement Account
Saving for retirement has become more important than ever. With an Individual Retirement Account (IRA) from Justice Federal, you can invest wisely and securely for your future.
Eligibility
Anyone under the age of 70½ who has earned income can establish an IRA. A person with earned income can also contribute to an IRA on behalf of a non-working spouse if the couple files a joint tax return. A Roth IRA has no age limits, but does have contribution limits based on income.
Traditional IRA Certificates
A Traditional IRA offers opportunity to reduce current taxes while enjoying tax-deferred growth potential.
- Contributions and earnings may be withdrawn after reaching age 59½
- Contributions may be tax-deductible, consult a Tax Advisor for details
Roth IRA
A Roth IRA offers opportunity to earn tax-free income with greater withdrawal flexibility in retirement.
- Contributions are not tax-deductible
- Qualified withdrawals are federally tax-free and may be state tax-free after age 59½ and the account has been open five years or more, consult a Tax Advisor for details
Rollover IRA
A Rollover IRA allows you to consolidate retirement assets from former employers into one, easy to manage account while maintaining the tax-deferred status of your assets. Rollovers may be done once in a 12-month period. Transfers are handled directly between institutions with Member authorization. There is no limitation to the number of transfers you may authorize. Consult a Tax Advisor to determine if a Rollover IRA may be right for you.
- Access to a full range of investment choices while consolidating multiple 401(k) and 403(b) retirement plans
- Requiring minimum withdrawals starting at age 72 and generally taxed if withdrawn prior to age 59½
- If you move your 401(k) assets into a Rollover IRA, your money will keep its tax-deferred status until you withdrawal it
Early Withdrawal Certificate Penalty
A certificate with a term of 12 months or less will lose 90 days of dividends for early withdrawal; a certificate with a term of 13 months or more will lose 180 days of dividends for early withdrawal.
Simplified Employee Pension (SEP) IRAs
A Simplified Employee Pension IRA is an employer established and funded IRA, where the employer can place up to 15% of your compensation.
Retirement Central
Practical ideas you can apply today, to help you achieve financial security in retirement.
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Retirement Calculators
Additional Savings Options
Whether you're new to the savings game, or an established saver, Justice Federal has the account you are looking for. Watch your money grow.
digital banking
Fresh Look & Feelof the app
A fresh design offers a seamless experience whether at your desk, or using our mobile app.
Personalized DashboardWith the personalized dashboard feature, you're in control over everything you see when you log in.
Better Card Controlsfor secure bankingSet AlertsSet Travel NoticesComplete control over your debit and credit cards all in one place. View transactions, set alerts, turn cards on or off, set travel notices, and more.
2-Step Authenticationfor secure bankingProtect your accounts against password theft with Google Authenticator.
Legal Disclaimers & Information
*APY = Annual Percentage Yield. Rates effective as of January 1, 2022. A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. See Representative for details.