APY Ledger

Justice Federal Credit Union CD & Share Certificate Rates — October 2026

As of October 22, 2026, Justice Federal Credit Union's highest tracked CD (share certificate) rate is 5.35% APY on a 9-month relationship CD ($100,000 minimum). That is 3.8 times the FDIC national average for 6-month CDs (1.39%).

Last verified from www.jfcu.org · NCUA-insured credit union · Chantilly, VA

Tracking began .

Best APY5.35%9 months, $100,000 min
vs. Treasury+0.87%same-term Treasury 4.48%
vs. national average3.8×FDIC national average 1.39%
After inflation1.61%CPI 3.7% year over year
$10,000 earns$399over 9 months, before tax

Justice Federal Credit Union CD & share certificate rates

Membership required. Certificate specials and standard certificates with $500 and $100,000 tiers; higher rates require a Justice National or Beyond the Badge account, and the 9-month special requires $100,000 in new money. Early withdrawal penalties may apply.

Justice Federal Credit Union CD rates
TermProductMinimumAPYvs. Treasury
3 months Jumbo Share Certificate Relationship $100,000 1.12%Verified October 22, 2026 −3.17%
3 months Share Certificate Relationship $500 1.02%Verified October 22, 2026 −3.27%
4 months 4-Month Special Certificate Relationship $100,000 4.75%Verified October 22, 2026 +0.36%
4 months 4-Month Special Certificate Relationship $500 4.65%Verified October 22, 2026 +0.26%
4 months 4-Month Special Certificate Promotional $100,000 4.65%Verified October 22, 2026 +0.26%
4 months 4-Month Special Certificate Promotional $500 4.55%Verified October 22, 2026 +0.16%
6 months 6-Month Special Certificate Relationship $100,000 5.20%Top 1% · $10k reference sampleVerified October 22, 2026 +0.80%
6 months 6-Month Special Certificate Relationship $500 5.10%Top 1% · $10k reference sampleVerified October 22, 2026 +0.70%
6 months 6-Month Special Certificate Promotional $100,000 5.10%Top 1% · $10k reference sampleVerified October 22, 2026 +0.70%
6 months 6-Month Special Certificate Promotional $500 5.00%Top 2% · $10k reference sampleVerified October 22, 2026 +0.60%
6 months Jumbo Share Certificate Relationship $100,000 3.16%Top 61% · $10k reference sampleVerified October 22, 2026 −1.24%
6 months Share Certificate Relationship $500 3.05%Top 64% · $10k reference sampleVerified October 22, 2026 −1.35%
9 months 9-Month Special Certificate Relationship $100,000 5.35%Verified October 22, 2026 +0.87%
9 months 9-Month Special Certificate Promotional $100,000 5.25%Verified October 22, 2026 +0.77%
10 months 10-Month Special Certificate Relationship $100,000 4.25%Verified October 22, 2026 −0.26%
10 months 10-Month Special Certificate Relationship $500 4.15%Verified October 22, 2026 −0.36%
10 months 10-Month Special Certificate Promotional $100,000 4.15%Verified October 22, 2026 −0.36%
10 months 10-Month Special Certificate Promotional $500 4.05%Verified October 22, 2026 −0.46%
12 months Jumbo Share Certificate Relationship $100,000 3.31%Verified October 22, 2026 −1.26%
12 months Share Certificate Relationship $500 3.21%Verified October 22, 2026 −1.36%
13 months 13-Month Special Certificate Relationship $100,000 4.00%Verified October 22, 2026 −0.60%
13 months 13-Month Special Certificate Relationship $500 3.90%Verified October 22, 2026 −0.70%
13 months 13-Month Special Certificate Promotional $100,000 3.90%Verified October 22, 2026 −0.70%
13 months 13-Month Special Certificate Promotional $500 3.80%Verified October 22, 2026 −0.80%
18 months Jumbo Share Certificate Relationship $100,000 3.41%Verified October 22, 2026 −1.31%
18 months Share Certificate Relationship $500 3.31%Verified October 22, 2026 −1.41%
24 months Jumbo Share Certificate Relationship $100,000 3.41%Top 56% · $10k reference sampleVerified October 22, 2026 −1.46%
24 months 24-Month Special Certificate Promotional $100,000 3.35%Top 59% · $10k reference sampleVerified October 22, 2026 −1.52%
24 months Share Certificate Relationship $500 3.31%Top 59% · $10k reference sampleVerified October 22, 2026 −1.56%
24 months 24-Month Special Certificate Promotional $500 3.25%Top 61% · $10k reference sampleVerified October 22, 2026 −1.62%
36 months 36-Month Special Certificate Relationship $100,000 4.00%Top 24% · $10k reference sampleVerified October 22, 2026 −0.95%
36 months 36-Month Special Certificate Relationship $500 3.90%Top 25% · $10k reference sampleVerified October 22, 2026 −1.05%
36 months 36-Month Special Certificate Promotional $100,000 3.90%Top 25% · $10k reference sampleVerified October 22, 2026 −1.05%
36 months 36-Month Special Certificate Promotional $500 3.80%Top 29% · $10k reference sampleVerified October 22, 2026 −1.15%
36 months Jumbo Share Certificate Relationship $100,000 3.31%Top 46% · $10k reference sampleVerified October 22, 2026 −1.64%
36 months Share Certificate Relationship $500 3.21%Top 51% · $10k reference sampleVerified October 22, 2026 −1.74%
48 months Jumbo Share Certificate Relationship $100,000 3.21%Verified October 22, 2026 −1.77%
48 months Share Certificate Relationship $500 3.11%Verified October 22, 2026 −1.87%
60 months Jumbo Share Certificate Relationship $100,000 3.21%Verified October 22, 2026 −1.80%
60 months Share Certificate Relationship $500 3.11%Verified October 22, 2026 −1.90%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are Justice Federal Credit Union's best CD rates by term?

Justice Federal Credit Union's best rate is 5.35% APY on 9 months, verified October 22, 2026.

  1. 3 mo1.12%
  2. 4 mo4.75%
  3. 6 mo5.20%
  4. 9 mo5.35%
  5. 10 mo4.25%
  6. 12 mo3.31%
  7. 13 mo4.00%
  8. 18 mo3.41%
  9. 24 mo3.41%
  10. 36 mo4.00%
  11. 48 mo3.21%
  12. 60 mo3.21%

Calculate earnings at 5.35% for 9 months

How much interest could a Justice Federal Credit Union CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term$5,000$10,000$25,000$50,000
3 months$12.671.02% APY · Share Certificate · Relationship$25.331.02% APY · Share Certificate · Relationship$63.331.02% APY · Share Certificate · Relationship$126.671.02% APY · Share Certificate · Relationship
4 months$76.544.65% APY · 4-Month Special Certificate · Relationship$153.084.65% APY · 4-Month Special Certificate · Relationship$382.704.65% APY · 4-Month Special Certificate · Relationship$765.404.65% APY · 4-Month Special Certificate · Relationship
6 months$126.265.10% APY · 6-Month Special Certificate · Relationship$252.535.10% APY · 6-Month Special Certificate · Relationship$631.325.10% APY · 6-Month Special Certificate · Relationship$1,262.645.10% APY · 6-Month Special Certificate · Relationship
9 monthsNot estimatedNot estimatedNot estimatedNot estimated
10 months$172.234.15% APY · 10-Month Special Certificate · Relationship$344.464.15% APY · 10-Month Special Certificate · Relationship$861.164.15% APY · 10-Month Special Certificate · Relationship$1,722.324.15% APY · 10-Month Special Certificate · Relationship
12 months$160.503.21% APY · Share Certificate · Relationship$321.003.21% APY · Share Certificate · Relationship$802.503.21% APY · Share Certificate · Relationship$1,605.003.21% APY · Share Certificate · Relationship
13 months$211.363.90% APY · 13-Month Special Certificate · Relationship$422.723.90% APY · 13-Month Special Certificate · Relationship$1,056.813.90% APY · 13-Month Special Certificate · Relationship$2,113.623.90% APY · 13-Month Special Certificate · Relationship
18 months$250.533.31% APY · Share Certificate · Relationship$501.053.31% APY · Share Certificate · Relationship$1,252.643.31% APY · Share Certificate · Relationship$2,505.273.31% APY · Share Certificate · Relationship
24 months$336.483.31% APY · Share Certificate · Relationship$672.963.31% APY · Share Certificate · Relationship$1,682.393.31% APY · Share Certificate · Relationship$3,364.783.31% APY · Share Certificate · Relationship
36 months$608.113.90% APY · 36-Month Special Certificate · Relationship$1,216.223.90% APY · 36-Month Special Certificate · Relationship$3,040.563.90% APY · 36-Month Special Certificate · Relationship$6,081.123.90% APY · 36-Month Special Certificate · Relationship
48 months$651.623.11% APY · Share Certificate · Relationship$1,303.253.11% APY · Share Certificate · Relationship$3,258.113.11% APY · Share Certificate · Relationship$6,516.233.11% APY · Share Certificate · Relationship
60 months$827.393.11% APY · Share Certificate · Relationship$1,654.783.11% APY · Share Certificate · Relationship$4,136.943.11% APY · Share Certificate · Relationship$8,273.883.11% APY · Share Certificate · Relationship

How Justice Federal Credit Union compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 1 of 94 tracked institutions with fresh 274-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Justice Federal Credit Union CD rate comparison
Institution / benchmarkTermMinimumQuote coverageAPYVerified / source date
Justice Federal Credit Union (this institution) (highest tracked APY for this term)9-Month Special Certificate · Relationship9 months$100,000 Coverage: CA, DC, FL, GA, IL, NY, TX, VA, WV5.35%October 22, 2026
NASA Federal Credit UnionShare Certificate - 9 Month Special · Promotional9 months$10,000 Coverage: DC, MD, VA4.45%October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional9 monthsNot stated Nationwide; check eligibility4.40%October 22, 2026
CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard9 months$1,000 Nationwide; check eligibility4.35%October 22, 2026
Treasury (APY-equivalent)9 months (term-matched estimate)Depends on purchase methodFederal; interest exempt from state income tax4.48%2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Justice Federal Credit Union on October 22, 2026.

About Justice Federal Credit Union

Legal name
Justice Federal Credit Union
Regulator ID
NCUA 151
Headquarters
Chantilly, VA
Available in
CA, DC, FL, GA, IL, NY, TX, VA, WV
Total assets
$1.1 billion
Also known as
Website
www.jfcu.org

Source: rates read from https://www.jfcu.org/Rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Justice Federal Credit Union?

Among the rates we track, 5.35% APY on a 9-month relationship CD, as of October 22, 2026.

What is the minimum deposit for a Justice Federal Credit Union CD?

The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.

How does Justice Federal Credit Union's best CD rate compare with Treasury yields?

5.35% APY is +0.87% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 5.35% a good CD rate?

It is 3.8 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Justice Federal Credit Union CDs insured?

Justice Federal Credit Union is a federally insured credit union (NCUA 151). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Justice Federal Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check Justice Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from Justice Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Justice Federal Credit Union before opening an account. This page is not financial advice.