Certificates | Justice Federal

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

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Individual Retirement Accounts

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.

Features & Benefits

Contributions and earnings may be withdrawn after reaching age 59½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.

Features & Benefits

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.

Features & Benefits

Access to a full range of investment choices while consolidating multiple 401(k) and 403(b) retirement plans
Requiring minimum withdrawals starting at age 70½ 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

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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.