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rates

Rates

Rates effective January 1, 2023 and subject to change.


Certificates

Special 12-Month Share, Traditional, and Roth IRA Certificate
Term Dividend Rate Annual Percentage Yield Minimum Opening Deposit
12 month 4.085% 4.15% $500
12 month 4.185%* 4.25%*
With a Justice National or Beyond the Badge Account		 $500
12 month 4.185% 4.25% $100,000
12 month 4.285%* 4.35%*
With a Justice National or Beyond the Badge Account		 $100,000

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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
60 month 2.267%* 2.286%* $500
48 month 2.468%* 2.491%* $500
36 month 2.468%* 2.491%* $500
24 month 2.795%* 2.824%* $500
18 month 2.663%* 2.690%* $500
12 month 2.613%* 2.639%* $500
6 month 0.913%* 0.916%* $500
3 month 0.763%* 0.765%* $500

OPEN ACCOUNT       LEARN MORE

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
60 month 2.367%* 2.388%* $100,000
48 month 2.568%* 2.593%* $100,000
36 month 2.568%* 2.593%* $100,000
24 month 2.895%* 2.927%* $100,000
18 month 2.763%* 2.729%* $100,000
12 month 2.713%* 2.741%* $100,000
6 month 1.013%* 1.017%* $100,000
3 month 0.863%* 0.8%* $100,000

OPEN ACCOUNT       LEARN MORE

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+ 0.150% 0.150% $5
$2,500 - $19,999 0.100% 0.100%
$300 - $2,499 0.100% 0.100%

SERVICE FEES       LEARN MORE


Young Savers Accounts
Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$20,000+ 0.250% 0.250% $5
$2,500 - $19,999 0.200% 0.200%
$5 - $2,499 0.200% 0.200%

SERVICE FEES       LEARN MORE

Money Market
Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit Minimum Balance to Earn Dividends
$100,000+ 0.450% 0.451% $25.00 $2,500
$50,000.00 - $99,999.99 0.350% 0.351%
$25,000.00 - $49,999.99 0.300% 0.300%
$10,000.00 - $24,999.99 0.250% 0.250%
$2,500.00 - $9,999.99 0.250% 0.250%

SERVICE FEES       LEARN MORE


Coverdell Education Savings
Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$5+ 0.250% 0.250% No minimum opening deposit

SERVICE FEES       LEARN MORE

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+ 0.150% 0.150% No minimum opening deposit
$2,500 - $19,999 0.100% 0.100%
$5 - $2,499 0.100% 0.100%

SERVICE FEES       LEARN MORE

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 0.050% 0.050% $25

SERVICE FEES       LEARN MORE


Beyond the Badge
Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$2,500 0.050% 0.050% $25

SERVICE FEES       LEARN MORE

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+ 0.250 0.250 No minimum opening deposit

OPEN ACCOUNT       LEARN MORE


Traditional IRA and Roth IRA Certificate
Term Dividend Rate Annual Percentage Yield Minimum Opening Deposit
60 month 2.267%* 2.286%* $500
48 month 2.468%* 2.491%* $500
36 month 2.468%* 2.491%* $500
24 month 2.795%* 2.824%* $500
18 month 2.663%* 2.690%* $500
12 month 2.613%* 2.639%* $500
6 month 0.913%* 0.916%* $500
3 month 0.763%* 0.765%* $500

OPEN ACCOUNT       LEARN MORE

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
60 month 2.367%* 2.388%* $100,000
48 month 2.568%* 2.593%* $100,000
36 month 2.568%* 2.593%* $100,000
24 month 2.895%* 2.927%* $100,000
18 month 2.763%* 2.729%* $100,000
12 month 2.713%* 2.741%* $100,000
6 month 1.013%* 1.017%* $100,000
3 month 0.863%* 0.8%* $100,000

OPEN ACCOUNT       LEARN MORE

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

Apply now       SERVICE FEES       AUTO LOAN CALCULATORS       LEARN MORE


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

Apply now       SERVICE FEES       AUTO LOAN CALCULATORS       LEARN MORE


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

Apply now       SERVICE FEES       AUTO LOAN CALCULATORS       LEARN MORE


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

Apply now       SERVICE FEES       AUTO LOAN CALCULATORS       LEARN MORE


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

Apply now       SERVICE FEES       LOAN CALCULATORS       LEARN MORE

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+ 9.99% $88.22
24 months $1,000+ 9.99% $46.31
36 months $2,500+ 9.99% $32.38
48 months $3,000+ 9.99% $25.45
60 months $5,000+ 9.99% $21.32
72 months $5,000+ 9.99% $18.59
84 months $5,000+ 11.99% $17.73

Apply now       SERVICE FEES       LOAN CALCULATORS       LEARN MORE

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.



Education Assistance Line of Credit Rates
Loan Amount Annual Percentage Rate as low as
$500-$40,000 8.90%

Apply now       SERVICE FEES       LEARN MORE

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%

Apply now       SERVICE FEES       LEARN MORE


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


Apply now       SERVICE FEES       LOAN CALCULATORS       LEARN MORE


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


Apply now       SERVICE FEES       LOAN CALCULATORS       LEARN MORE


Non-Variable Rate


Card Non-Variable Annual Percentage Rate Annual Fee, Balance Transfer Fee 18-months Introductory Rate*
VISA Platinum Rewards 11.90% None 0.00%
Student VISA 16.90% None 0.00%
Affinity VISA 11.90% None 0.00%
Share Secured VISA 16.90% None None

Apply now       SERVICE FEES       LOAN CALCULATORS       LEARN MORE

Credit Card Account Agreement and Federal Disclosure Statement



Variable Rate


Card Variable Annual Percentage Rate** Annual Fee, Balance Transfer Fee 18-months Introductory Rate*
VISA Signature 14.40% - 18.00% None 0.00%

Apply now       SERVICE FEES       LOAN CALCULATORS       LEARN MORE

VISA Signature Credit Card Account Agreement and Federal Disclosure Statement




Legal Disclaimers & Information

*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


Home Equity Line of Credit Combined Loan-to-Value Annual Percentage Rate Loan Amount
Up to 79.99% CLTV Prime - .25% $10,000 to $250,000
80.00% - 90.00% CLTV Prime + .25% $10,000 to $250,000

Apply now       SERVICE FEES       LEARN MORE

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


Combined Loan-to-Value Annual Percentage Rate Loan Amount
Up to 79.99% CLTV Prime - .25% $10,000 to $250,000
80.00% - 90.00% CLTV Prime + .25% $10,000 to $250,000

Apply now       SERVICE FEES       LEARN MORE

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.



Fixed Rate Home Equity Loan


Loan Term Loan Amount Annual Percentage Rate Up to 79.99% CLTV Annual Percentage Rate 80.00% - 90.00% CLTV
5 years $10,000 to $250,000 7.00% 7.50%
10 years $10,000 to $250,000 7.50% 8.00%
15 years $10,000 to $250,000 7.75% 8.25%
20 years $10,000 to $250,000 8.25% 8.75%

Apply now       SERVICE FEES       LEARN MORE

Home Equity Loan: Sample repayment terms: $297.29 for loan amount of $25,000 at 120 months with 7.50% annual percentage rate.



Legal Disclaimers & Information
Home Equity Line of Credit Disclosure