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As high as 4.51% APY* for 12-Months

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6-MONTH
as high as
4.65% APY*

12-MONTH
as high as
4.51% APY*

24-MONTH
as high as
4.06% APY*

36-MONTH
as high as
3.51% APY*

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Certificate Ladders: Enhancing Flexibility in Investments

By Justice Federal

Share certificates have long been a favored investment option for those looking for a secure and steady place to grow their funds. Certificates typically offer higher annual percentage yields (APYs) compared to most traditional savings accounts and provide fixed earnings over a set period (term), ensuring a dependable income stream. However, certificates require investors to lock in their funds for the entire term, limiting flexibility. This is where certificate ladders come in.

*APY= Annual Percentage Yield. APY is subject to change without notice. Rate effective December 18, 2024. Minimum balance of $500 required. A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Rate includes a .10% (10 basis point) Justice National or Beyond the Badge Checking Account Relationship rate increase on the new certificate. Certificate rate increase effective by end of day on date of opening or renewal. Justice National or Beyond the Badge account and certificate must be under the same account number.

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!

chevron_right Terms from 90 days to 60 months
chevron_right Minimum deposit requirement as low as $500
chevron_right No maximum deposit
chevron_right Dividends earned from the day of deposit, compounded and paid quarterly
chevron_right A quarterly statement of earnings
chevron_right A maturity notice and 10 day grace period to examine reinvestment alternatives
chevron_right Quick access to earnings: dividends can be credited to other share accounts or even mailed to account holder
chevron_right Safe and Secure NCUA insurance

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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.

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Traditional IRA Certificates

A Traditional IRA offers opportunity to reduce current taxes while enjoying tax-deferred growth potential.

chevron_right Contributions and earnings may be withdrawn after reaching age 59½
chevron_right Contributions may be tax-deductible, consult a Tax Advisor for details

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Roth IRA

A Roth IRA offers opportunity to earn tax-free income with greater withdrawal flexibility in retirement.

chevron_right Contributions are not tax-deductible
chevron_right 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

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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.

chevron_right Access to a full range of investment choices while consolidating multiple 401(k) and 403(b) retirement plans
chevron_right Requiring minimum withdrawals starting at age 72 and generally taxed if withdrawn prior to age 59½
chevron_right 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.

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