# Justice Federal Credit Union CD and share certificate rates

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%).

Canonical page: https://apyledger.com/cd-rates/justice-federal-credit-union
Institution: Justice Federal Credit Union (NCUA 151)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:00.000Z (October 22, 2026)
Official source: https://www.jfcu.org/Rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Share Certificate | relationship | 3 months | $100,000 | 1.12% | Not ZIP-priced | −3.17% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Share Certificate | relationship | 3 months | $500 | 1.02% | Not ZIP-priced | −3.27% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 4-Month Special Certificate | relationship | 4 months | $100,000 | 4.75% | Not ZIP-priced | +0.36% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 4-Month Special Certificate | relationship | 4 months | $500 | 4.65% | Not ZIP-priced | +0.26% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 4-Month Special Certificate | promotional | 4 months | $100,000 | 4.65% | Not ZIP-priced | +0.26% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 4-Month Special Certificate | promotional | 4 months | $500 | 4.55% | Not ZIP-priced | +0.16% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 6-Month Special Certificate | relationship | 6 months | $100,000 | 5.20% | Not ZIP-priced | +0.80% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 6-Month Special Certificate | relationship | 6 months | $500 | 5.10% | Not ZIP-priced | +0.70% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 6-Month Special Certificate | promotional | 6 months | $100,000 | 5.10% | Not ZIP-priced | +0.70% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 6-Month Special Certificate | promotional | 6 months | $500 | 5.00% | Not ZIP-priced | +0.60% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Jumbo Share Certificate | relationship | 6 months | $100,000 | 3.16% | Not ZIP-priced | −1.24% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Share Certificate | relationship | 6 months | $500 | 3.05% | Not ZIP-priced | −1.35% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 9-Month Special Certificate | relationship | 9 months | $100,000 | 5.35% | Not ZIP-priced | +0.87% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 9-Month Special Certificate | promotional | 9 months | $100,000 | 5.25% | Not ZIP-priced | +0.77% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 10-Month Special Certificate | relationship | 10 months | $100,000 | 4.25% | Not ZIP-priced | −0.26% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 10-Month Special Certificate | relationship | 10 months | $500 | 4.15% | Not ZIP-priced | −0.36% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 10-Month Special Certificate | promotional | 10 months | $100,000 | 4.15% | Not ZIP-priced | −0.36% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 10-Month Special Certificate | promotional | 10 months | $500 | 4.05% | Not ZIP-priced | −0.46% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Jumbo Share Certificate | relationship | 12 months | $100,000 | 3.31% | Not ZIP-priced | −1.26% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Share Certificate | relationship | 12 months | $500 | 3.21% | Not ZIP-priced | −1.36% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 13-Month Special Certificate | relationship | 13 months | $100,000 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 13-Month Special Certificate | relationship | 13 months | $500 | 3.90% | Not ZIP-priced | −0.70% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 13-Month Special Certificate | promotional | 13 months | $100,000 | 3.90% | Not ZIP-priced | −0.70% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 13-Month Special Certificate | promotional | 13 months | $500 | 3.80% | Not ZIP-priced | −0.80% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Jumbo Share Certificate | relationship | 18 months | $100,000 | 3.41% | Not ZIP-priced | −1.31% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Share Certificate | relationship | 18 months | $500 | 3.31% | Not ZIP-priced | −1.41% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Jumbo Share Certificate | relationship | 24 months | $100,000 | 3.41% | Not ZIP-priced | −1.46% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 24-Month Special Certificate | promotional | 24 months | $100,000 | 3.35% | Not ZIP-priced | −1.52% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Share Certificate | relationship | 24 months | $500 | 3.31% | Not ZIP-priced | −1.56% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 24-Month Special Certificate | promotional | 24 months | $500 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 36-Month Special Certificate | relationship | 36 months | $100,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 36-Month Special Certificate | relationship | 36 months | $500 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 36-Month Special Certificate | promotional | 36 months | $100,000 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| 36-Month Special Certificate | promotional | 36 months | $500 | 3.80% | Not ZIP-priced | −1.15% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Jumbo Share Certificate | relationship | 36 months | $100,000 | 3.31% | Not ZIP-priced | −1.64% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Share Certificate | relationship | 36 months | $500 | 3.21% | Not ZIP-priced | −1.74% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Jumbo Share Certificate | relationship | 48 months | $100,000 | 3.21% | Not ZIP-priced | −1.77% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Share Certificate | relationship | 48 months | $500 | 3.11% | Not ZIP-priced | −1.87% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Jumbo Share Certificate | relationship | 60 months | $100,000 | 3.21% | Not ZIP-priced | −1.80% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |
| Share Certificate | relationship | 60 months | $500 | 3.11% | Not ZIP-priced | −1.90% | 2026-10-22T16:23:00.000Z | [Snapshot 375](https://apyledger.com/snapshots/375) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.