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rates
Rates
Rates effective January 1, 2023 and subject to change.
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
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
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 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
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 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 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, 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.
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 Loan
*APR = Annual Percentage Rate. Rate effective as of January 1, 2023. $500 minimum loan amount. Example of repayment terms: 72 monthly payments of $18.59 per $1,000 borrowed.
*If you have previously received a Credit Card from us, the eighteen-month introductory rate will not apply to new Platinum, Gold, Classic, or Student Credit Cards. the introductory rate will apply for the eighteen-month period immediately following the date your account is established.
**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%.
Programs and rates are effective as of January 1, 2023 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.
Home Equity Line of Credit (HELOC) - 10 Year Draw, 10 Year Repayment Period
Interest Only Home Equity Line of Credit: Maximum APR is 18.00%. Minimum APR Floor Rate is 4.00%. 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 quarterly. Prime Rate = 7.50% as of December 15, 2022. 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 Lines of Credit are not available in all states.
Home Equity Line of Credit (HELOC) - Interest Only
Home Equity Line of Credit: Maximum APR is 18.00%. Minimum APR Floor Rate is 4.00%. 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 quarterly. Prime Rate = 7.50% as of December 15, 2022. Property Insurance is required.
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
You Are Leaving Justice Federal's Website
The website you are about to view is produced by a third party. Justice Federal is not responsible for the content or representation on the site and does not represent you or the third party if a transaction is entered.
Justice Federal does not endorse any third party advertisements that may appear on this site.
The Justice Federal Privacy Notice does not apply on this site. Please check the site for its Privacy Notice.
Justice Federal Holiday Hours
2022/2023 Holiday Schedule
Friday, December 23, 2022
The Member Service Call Center will close at 2:00 PM (EST)
Justice Federal Branches will close at 2:00 PM (Local Time)
Monday, December 26, 2022 Christmas Holiday Observed
Branches and the Member Service Call Center will be closed
Monday, January 2, 2023 New Year's Holiday Observed
Branches and the Member Service Call Center will be closed