Earn 4.00% APY* when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Rates
Rates effective December 1, 2024 and subject to change.
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Choose your category:
DEPOSITS
Certificates
Share Certificate
| Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit |
|---|---|---|---|
| 3 month | 1.01%* | 1.02%* | $500 |
| 6 month | 4.57%* | 4.65%* | $500 |
| 12 month | 4.44%* | 4.51%* | $500 |
| 18 month | 4.00%* | 4.06%* | $500 |
| 24 month | 4.00%* | 4.06%* | $500 |
| 36 month | 3.47%* | 3.51%* | $500 |
| 48 month | 3.22%* | 3.26%* | $500 |
| 60 month | 3.02%* | 3.05%* | $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 | 4.67%* | 4.75%* | $100,000 |
| 12 month | 4.54%* | 4.62%* | $100,000 |
| 18 month | 4.10%* | 4.17%* | $100,000 |
| 24 month | 4.10%* | 4.17%* | $100,000 |
| 36 month | 3.57%* | 3.61%* | $100,000 |
| 48 month | 3.32%* | 3.36%* | $100,000 |
| 60 month | 3.12%* | 3.15%* | $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 | 4.57%* | 4.65%* | $500 |
| 12 month | 4.44%* | 4.51%* | $500 |
| 18 month | 4.00%* | 4.06%* | $500 |
| 24 month | 4.00%* | 4.06%* | $500 |
| 36 month | 3.47%* | 3.51%* | $500 |
| 48 month | 3.22%* | 3.26%* | $500 |
| 60 month | 3.02%* | 3.05%* | $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 | 4.67%* | 4.75%* | $100,000 |
| 12 month | 4.54%* | 4.62%* | $100,000 |
| 18 month | 4.10%* | 4.17%* | $100,000 |
| 24 month | 4.10%* | 4.17%* | $100,000 |
| 36 month | 3.57%* | 3.61%* | $100,000 |
| 48 month | 3.32%* | 3.36%* | $100,000 |
| 60 month | 3.12%* | 3.15%* | $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 December 1, 2024. $500 minimum loan amount. Example of repayment terms: 84 monthly payments of $17.54 per $1,000 borrowed.
Special Holiday Loan
| Loan Term | Loan Amount | Annual Percentage Rate As Low As | Payment Example per $500 Borrowed |
|---|---|---|---|
| Up to 12 months | $500 - $10,000 | 6.99% | 43.25 |
| 24 months | $1,000 -$10,000 | 6.99% | $22.38 |
| 36 months | $2,500 -$10,000 | 6.99% | $15.44 |
| 48 months | $3,000 -$10,000 | 6.99% | $11.79 |
Holiday Loan
*APR = Annual Percentage Rate. $500 minimum loan amount. Minimum loan term of 12 months required. Example of repayment terms: 48 monthly payments of $23.94 per $1,000 borrowed. **Limited time offer: Offer ends December 31, 2024. Justice Federal reserves the right to cease this promotional offer at any time without notice to the membership.
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, 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 |
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 | 14.65% - 18.00% | None | 0.00% |
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%.
HOME EQUITY
Home Equity Line of Credit (HELOC) - 10 Year Draw, 10 Year Repayment Period
Programs and rates are effective as of December 1, 2024 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 | 7.50% | $10,000 to $250,000 |
| 80.00% - 89.99% CLTV | 7.75% | $10,000 to $250,000 |
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 = 7.75% as of November 7, 2024. 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 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 | 7.50% | $10,000 to $250,000 |
| 80.00% - 89.99% CLTV | 7.75% | $10,000 to $250,000 |
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 = 7.75% as of November 7, 2024. 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 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
