Freedom Direct Savings
Stay in control when life gets unpredictable.
Earn 4.00% APY* when you add Direct Deposit to a new
or existing Justice Federal Checking Account.
Rates
Rates effective May 1, 2025 and subject to change.
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Choose your category:
DEPOSITS
Certificates
Special 13-Month Share, Traditional, and Roth IRA Certificate
| Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| 13 month | 4.33% | 4.40% | $500 |
| 13 month | 4.43%* | 4.50%* With a Justice National or Beyond the Badge Account |
$500 |
| 13 month | 4.43% | 4.50% | $100,000 |
| 13 month | 4.53%* | 4.60%* With a Justice National or Beyond the Badge Account |
$100,000 |
Special Certificate
*Rate includes a .10% (10 basis points) 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. JNA/Beyond the Badge account and certificate must be under the same account number. Certificate is subject to penalty for early withdrawal. Certificate will renew at prevailing rates upon maturity. Fees or other conditions may reduce earnings. Justice Federal reserves the right to end this promotional offer without prior notice to the membership.
Share Certificate
| Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| 3 month | 1.01%* | 1.02%* | $500 |
| 6 month | 3.21%* | 3.25%* | $500 |
| 12 month | 3.55%* | 3.60%* | $500 |
| 18 month | 3.75%* | 3.80%* | $500 |
| 24 month | 3.75%* | 3.80%* | $500 |
| 36 month | 3.75%* | 3.80%* | $500 |
| 48 month | 3.75%* | 3.80%* | $500 |
| 60 month | 3.75%* | 3.80%* | $500 |
Share Certificate
A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.
*Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. JNA/Beyond the Badge account and certificate must be under the same account number. Your Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA or Beyond the Badge account is closed.
Jumbo Share Certificate
| Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| 3 month | 1.11%* | 1.12%* | $100,000 |
| 6 month | 3.31%* | 3.35%* | $100,000 |
| 12 month | 3.65%* | 3.70%* | $100,000 |
| 18 month | 3.85%* | 3.91%* | $100,000 |
| 24 month | 3.85%* | 3.91%* | $100,000 |
| 36 month | 3.85%* | 3.91%* | $100,000 |
| 48 month | 3.85%* | 3.91%* | $100,000 |
| 60 month | 3.85%* | 3.91%* | $100,000 |
Jumbo Share Certificate
A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.
*Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. JNA/Beyond the Badge account and certificate must be under the same account number. Your Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA or Beyond the Badge account is closed.
Savings
Share Savings
| Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| $20,000+ | 0.15% | 0.15% | $5 |
| $2,500 - $19,999 | 0.10% | 0.10% | |
| $300 - $2,499 | 0.10% | 0.10% |
Young Savers Accounts
| Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| $20,000+ | 0.25% | 0.25% | $5 |
| $2,500 - $19,999 | 0.20% | 0.20% | |
| $5 - $2,499 | 0.20% | 0.20% |
Freedom Direct Savings
| Qualifying Account Balances (If checking and direct deposit requirements are met*) |
Dividend Rate | Annual Percentage Yield |
Minimum Opening Deposit |
|---|---|---|---|
| Up to $25,000 | 3.94%* | 4.00%* | No Minimum Opening Deposit |
| $25,000.01 and up | 0.15%* | 0.15%* | |
| Non-Qualifying Account Balances (If checking and direct deposit requirements are not met*) |
Dividend Rate | Annual Percentage Yield |
Minimum Opening Deposit |
| $20,000+ | 0.15% | 0.15% | No Minimum Opening Deposit |
| $2,500 - $19,999 | 0.10% | 0.10% | |
| $300 - $2,499 | 0.10% | 0.10% |
Freedom Direct Savings
*APY= Annual Percentage Yield. APY is subject to change without notice. Freedom Direct Savings will earn 4.00% APY on balances up to $25,000 if the accountholder has direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, or Beyond the Badge Checking Account during a month. Balances over $25,000 will earn 0.15% APY and all balances in a month when qualifications are not met will earn the standard Share Savings APY starting at 0.10%. One Freedom Direct Savings per Justice Federal membership. Justice Federal reserves the right to withdraw this offer at any time. See a representative for details.
Money Market
| Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit | Minimum Balance to Earn Dividends |
|---|---|---|---|---|
| $100,000+ | 0.45% | 0.45% | $25.00 | $2,500 |
| $50,000.00 - $99,999.99 | 0.35% | 0.35% | ||
| $25,000.00 - $49,999.99 | 0.30% | 0.30% | ||
| $10,000.00 - $24,999.99 | 0.25% | 0.25% | ||
| $2,500.00 - $9,999.99 | 0.25% | 0.25% |
Coverdell Education Savings
| Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| $5+ | 0.25% | 0.25% | No minimum opening deposit |
Savings Accounts: Share Savings, Sure Savers, Young Savers, Money Market, Coverdell Education Savings
Rates on variable rate accounts (i.e., Savings, Checking and Money Market Accounts) could change after account opening. Fees may reduce earnings. See Representative for details.
Savers Club
| Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| $20,000+ | 0.15% | 0.15% | No minimum opening deposit |
| $2,500 - $19,999 | 0.10% | 0.10% | |
| $5 - $2,499 | 0.10% | 0.10% |
Savers Club
Rates on variable rate accounts (i.e., Savings, Checking and Money Market Accounts) could change after account opening. Fees may reduce earnings. Penalties apply for early withdrawals prior to the maturity date. See Representative for details.
Checking
Justice National Account
| Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| $2,500 | 0.05% | 0.05% | $25 |
Beyond the Badge
| Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| $2,500 | 0.05% | 0.05% | $25 |
Checking Accounts: Justice National, Beyond The Badge
Members maintaining a Justice National Account or Beyond the Badge checking account will receive a 10 basis point relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by the end of the business day on date of opening or renewal. Checking account and certificate must be under the same account number. Your relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the applicable checking account is closed. Rates on variable rate accounts (i.e., Savings, Checking and Money Market Accounts) could change after account opening. Fees may reduce earnings. See Representative for details.
Traditional and Roth IRA
Individual Retirement Account
| Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| $5+ | 0.25% | 0.25% | No minimum opening deposit |
Traditional IRA and Roth IRA Certificate
| Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| 3 month | 1.01%* | 1.02%* | $500 |
| 6 month | 3.21%* | 3.25%* | $500 |
| 12 month | 3.55%* | 3.60%* | $500 |
| 18 month | 3.75%* | 3.80%* | $500 |
| 24 month | 3.75%* | 3.80%* | $500 |
| 36 month | 3.75%* | 3.80%* | $500 |
| 48 month | 3.75%* | 3.80%* | $500 |
| 60 month | 3.75%* | 3.80%* | $500 |
Traditional IRA and Roth IRA Certificate Rates
A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.
*Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. JNA/Beyond the Badge account and certificate must be under the same account number. Your Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA or Beyond the Badge account is closed.
Jumbo IRA and Roth IRA Certificate
| Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| 3 month | 1.11%* | 1.12%* | $100,000 |
| 6 month | 3.31%* | 3.35%* | $100,000 |
| 12 month | 3.65%* | 3.70%* | $100,000 |
| 18 month | 3.85%* | 3.91%* | $100,000 |
| 24 month | 3.85%* | 3.91%* | $100,000 |
| 36 month | 3.85%* | 3.91%* | $100,000 |
| 48 month | 3.85%* | 3.91%* | $100,000 |
| 60 month | 3.85%* | 3.91%* | $100,000 |
Jumbo, Traditional and Roth IRA
A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. See Representative for details.
*Rate includes a 10 basis point Justice National Account or Beyond the Badge Relationship rate increase on new and renewed certificate accounts. 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 Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the applicable checking account is closed.
Vehicle Loans
Up to 125% financing for qualified applicants.
New Automobile
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 months | $2,500+ | 4.69% | $43.81 |
| 36 months | $2,500+ | 4.89% | $29.98 |
| 48 months | $2,500+ | 5.19% | $23.16 |
| 60 months | $5,000+ | 5.39% | $19.09 |
| 72 months | $15,000+ | 5.59% | $16.42 |
| 84 months | $20,000+ | 6.89% | $15.08 |
| 96 months | $40,000+ | 7.89% | $14.13 |
Used Automobile
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 months | $2,500+ | 4.69% | $43.81 |
| 36 months | $2,500+ | 5.19% | $30.12 |
| 48 months | $2,500+ | 5.49% | $23.30 |
| 60 months | $5,000+ | 5.59% | $19.19 |
| 72 months | $15,000+ | 6.09% | $16.66 |
| 84 months | $20,000+ | 7.09% | $15.18 |
| 96 months | $40,000+ | 8.09% | $14.23 |
New Motorcycle
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 months | $2,500+ | 4.69% | $43.81 |
| 36 months | $2,500+ | 4.89% | $29.98 |
| 48 months | $2,500+ | 5.19% | $23.16 |
| 60 months | $5,000+ | 5.39% | $19.09 |
| 72 months | $15,000+ | 5.59% | $16.42 |
| 84 months | $20,000+ | 6.89% | $15.08 |
Used Motorcycle
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 months | $2,500+ | 4.69% | $43.81 |
| 36 months | $2,500+ | 5.19% | $30.12 |
| 48 months | $2,500+ | 5.49% | $23.30 |
| 60 months | $5,000+ | 5.59% | $19.19 |
| 72 months | $15,000+ | 6.09% | $16.66 |
| 84 months | $20,000+ | 7.09% | $15.18 |
New and Used Boat and RV
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 36 months | $2,500+ | 6.84% | $30.80 |
| 60 months | $10,000+ | 7.09% | $19.84 |
| 72 months | $25,000+ | 7.74% | $17.41 |
| 84 months | $25,000+ | 7.94% | $15.56 |
New, Used, Refinance: Auto, Motorcycle, Boat and RV
*APR=Annual Percentage Rate. APR may be higher based on past and present credit performance. 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. Down payment may be required based on creditworthiness.
Personal Loans
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 12 months | $500+ | 7.99% | 87.48 |
| 24 months | $1,000+ | 7.99% | $45.49 |
| 36 months | $2,500+ | 8.24% | $31.64 |
| 48 months | $3,000+ | 8.49% | $24.80 |
| 60 months | $5,000+ | 8.99% | $20.89 |
| 72 months | $5,000+ | 9.49% | $18.40 |
| 84 months | $5,000+ | 11.99% | $17.80 |
Personal Loan
*APR = Annual Percentage Rate. Rate effective as of May 1, 2025. $500 minimum loan amount. Example of repayment terms: 84 monthly payments of $17.54 per $1,000 borrowed.
90th Anniversary Special Loan
| Loan Term | Loan Amount | Annual Percentage Rate As Low As | Payment Example per $500 Borrowed |
|---|---|---|---|
| 12 months | $500 - $10,000 | 6.90% | 43.23 |
| 24 months | $1,000 -$10,000 | 6.90% | $22.30 |
| 36 months | $2,500 -$10,000 | 6.90% | $15.42 |
90th Anniversary Special Loan
*APR = Annual Percentage Rate. $500 minimum loan amount. Example of repayment terms: 36 monthly payments of $30.86 per $1,000 borrowed. **Limited time offer: Offer ends August 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.
Education Assistance Line of Credit Rates
| Loan Amount | Annual Percentage Rate as low as |
|---|---|
| $500-$40,000 | 8.90% |
Education Assistance Line of Credit
Annual percentage rate may be higher based on past and present credit performance.
Justice Line of Credit Rates
| Loan Amount | Annual Percentage Rate as low as |
|---|---|
| $250-$40,000 | 12.50% |
Share Secured Loan Rates
| Terms | Annual Percentage Rate as low as |
|---|---|
| Up to 60 months | Share dividend earned + 3.00% |
Sample Monthly Payment of $58.44 for loan amount of $2,000 at 36 months with 3.15% Annual Percentage Rate
Credit Builder Loan Rates
| Terms | Annual Percentage Rate as low as |
|---|---|
| Up to 12 months | Share dividend earned + 3.00% |
Sample Monthly Payment of $84.76 for loan amount of $1,000 at 12 months with 3.15% Annual Percentage Rate
CREDIT CARDS
Non-Variable Rate
| Card | Non-Variable Annual Percentage Rate* | Annual Fee | 12-Month Introductory Annual Percentage Rate* |
|---|---|---|---|
| VISA Platinum Rewards | 11.90% | None | 0.00% on purchases 2.00% on balance transfers and cash advances |
| Student VISA | 16.90% | None | 0.00% on purchases 2.00% on balance transfers and cash advances |
| Affinity VISA | 11.90% | None | 0.00% on purchases 2.00% on balance transfers and cash advances |
| Share Secured VISA | 16.90% | None | None |
Credit Card Account Agreement and Federal Disclosure Statement
Variable Rate
| Card | Variable Annual Percentage Rate** | Annual Fee | Introductory Annual Percentage Rate** |
|---|---|---|---|
| VISA Signature | 14.40% - 18.00% | None | 0.00% on purchases 2.00% on balance transfers and cash advances |
VISA Signature Credit Card Account Agreement and Federal Disclosure Statement
Legal Disclaimers & Information
*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. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit 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. To view the Credit Card Account Agreement and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.
**VISA Signature: The rate is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal and is subject to change. Actual APR is based on an evaluation of applicant credit - not all applicants will qualify for the lowest rate. The maximum annual percentage rate is 18.00%. 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. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders).VISA Signature Credit 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), 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.
HOME EQUITY
Home Equity Line of Credit (HELOC) - 10 Year Draw, 10 Year Repayment Period
Programs and rates are effective as of May 1, 2025 and subject to change without notice. Home Equity Loans and Lines of Credit are not available in all states. Rates, terms, and conditions may vary based on qualifications, creditworthiness, and collateral conditions.
| Combined Loan-to-Value | Annual Percentage Rate As low as |
Loan Amount |
|---|---|---|
| Up to 79.99% CLTV | 7.25% | $10,000 to $250,000 |
| 80.00% - 89.99% CLTV | 7.50% | $10,000 to $250,000 |
Actual annual percentage rate (APR) will be determined when you apply and will be based on factors including combined loan to value, credit history, amount financed and the term of your loan, and is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal and is subject to change quarterly. Prime rate = 7.50% as of December 18, 2024. Maximum APR is 18.00%. Minimum APR floor rate is 4.00%. Average closing costs range from $400 to $3,000. Closing costs vary based on the location, government recording charges, and the amount of the equity loan, and may be less than or greater than the average provided. Property insurance is required. Other restrictions may apply. Interest may be tax deductible. 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. Consult a tax advisor. Home Equity Lines of Credit are not available in all states.
Home Equity Line of Credit (HELOC) - Interest Only
| Combined Loan-to-Value | Annual Percentage Rate As low as |
Loan Amount |
|---|---|---|
| Up to 79.99% CLTV | 7.25% | $10,000 to $250,000 |
| 80.00% - 89.99% CLTV | 7.50% | $10,000 to $250,000 |
Actual annual percentage rate (APR) will be determined when you apply and will be based on factors including combined loan to value, credit history, amount financed and the term of your loan, and is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal and is subject to change quarterly. Prime rate = 7.50% as of December 18, 2024. Maximum APR is 18.00%. Minimum APR floor rate is 4.00%. Average closing costs range from $400 to $3,000. Closing costs vary based on the location, government recording charges, and the amount of the equity loan, and may be less than or greater than the average provided. Property insurance is required. Other restrictions may apply. Interest may be tax deductible. 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. Consult a tax advisor. Home Equity Lines of Credit are not available in all states.
Fixed Rate Home Equity Loan
| Loan Term | Loan Amount | Annual Percentage Rate Up to 79.99% CLTV as low as |
Annual Percentage Rate 80.00-89.99% CLTV as low as |
|---|---|---|---|
| 5 years | $10,000 to $250,000 | 7.25% | 8.00% |
| 10 years | $10,000 to $250,000 | 7.75% | 8.50% |
| 15 years | $10,000 to $250,000 | 8.00% | 8.75% |
| 20 years | $10,000 to $250,000 | 8.50% | 9.25% |
Home Equity Loan: Sample repayment terms: $293.67 for loan amount of $25,000 at 120 months with 7.25% annual percentage rate. 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. Closing 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 Loans are not available in all states.
Legal Disclaimers & Information
Home Equity Line of Credit Disclosure
