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Source: https://www.jfcu.org/Rates
Read: 2026-10-22T16:23:00.000Z

Open a Freedom Direct Savings Account and earn 4.00% APY* when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Grow your savings faster at 4.20% APY* when you open a high-yield Freedom Direct Savings Account with Direct Deposit to Freedom Direct Checking. 4.20% APY* when you open a high-yield Freedom Direct Savings Account with Direct Deposit to Freedom Direct Checking.
As high as 3.25% APY* New Money Deposits** $500 - $99,999
As high as 3.35% APY* New Money Deposits** $100,000+
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
9 Months | 5.152% | 5.25% | $100,000 New Money Deposit**
9 Months | 5.252%* | 5.35%* With a Justice National or Beyond the Badge Account $100,000 New Money Deposit**
*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 Member 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. **New money deposits are funds not currently on deposit with the Credit Union.
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
6 Months | 4.910% | 5.00% | $500
6 Months | 5.010%* | 5.10%* With a Justice National or Beyond the Badge Account | $500
6 Months | 5.010% | 5.10% | $100,000
6 Months | 5.110%* | 5.20%* With a Justice National or Beyond the Badge Account $100,000
*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 Member Number. Certificate is subject to penalty for early withdrawal. Certificate will renew at prevailing rates upon maturity. Fees or other conditions may reduce earnings.
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
10 Months | 3.99% | 4.05% | $500
10 Months | 4.09%* | 4.15%* With a Justice National or Beyond the Badge Account | $500
10 Months | 4.09% | 4.15% | $100,000
10 Months | 4.19%* | 4.25%* With a Justice National or Beyond the Badge Account | $100,000
*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 Member 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.
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
4 Months | 4.47% | 4.55% | $500
4 Months | 4.57%* | 4.65%* With a Justice National or Beyond the Badge Account | $500
4 Months | 4.57% | 4.65% | $100,000
4 Months | 4.67%* | 4.75%* With a Justice National or Beyond the Badge Account | $100,000
*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 Member 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.
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
13 Months | 3.75% | 3.80% | $500
13 Months | 3.85%* | 3.90%* With a Justice National or Beyond the Badge Account | $500
13 Months | 3.85% | 3.90% | $100,000
13 Months | 3.94%* | 4.00%* With a Justice National or Beyond the Badge Account | $100,000
*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 Member 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.
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
36 Months | 3.75% | 3.80% | $500
36 Months | 3.85%* | 3.90%* With a Justice National or Beyond the Badge Account | $500
36 Months | 3.85% | 3.90% | $100,000
36 Months | 3.94%* | 4.00%* With a Justice National or Beyond the Badge Account | $100,000
*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 Member 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.
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
3 month | 1.01%* | 1.02%* | $500
6 month | 3.02%* | 3.05%* | $500
12 month | 3.17%* | 3.21%* | $500
18 month | 3.27%* | 3.31%* | $500
24 month | 3.27%* | 3.31%* | $500
36 month | 3.17%* | 3.21%* | $500
48 month | 3.07%* | 3.11%* | $500
60 month | 3.07%* | 3.11%* | $500
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
3 month | 1.11%* | 1.12%* | $100,000
6 month | 3.12%* | 3.16%* | $100,000
12 month | 3.27%* | 3.31%* | $100,000
18 month | 3.37%* | 3.41%* | $100,000
24 month | 3.37%* | 3.41%* | $100,000
36 month | 3.27%* | 3.31%* | $100,000
48 month | 3.17%* | 3.21%* | $100,000
60 month | 3.17%* | 3.21%* | $100,000
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%
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%
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%
*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, Beyond the Badge or Student 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.
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%
Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
$5+ | 0.25% | 0.25% | No minimum opening deposit
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%
Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
$2,500 | 0.05% | 0.05% | $25
Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
$2,500 | 0.05% | 0.05% | $25
Account Balance | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
$5+ | 0.25% | 0.25% | No minimum opening deposit
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
3 month | 1.01%* | 1.02%* | $500
6 month | 3.02%* | 3.05%* | $500
12 month | 3.17%* | 3.21%* | $500
18 month | 3.27%* | 3.31%* | $500
24 month | 3.27%* | 3.31%* | $500
36 month | 3.17%* | 3.21%* | $500
48 month | 3.07%* | 3.11%* | $500
60 month | 3.07%* | 3.11%* | $500
Term | Dividend Rate | Annual Percentage Yield | Minimum Opening Deposit
3 month | 1.11%* | 1.12%* | $100,000
6 month | 3.12%* | 3.16%* | $100,000
12 month | 3.27%* | 3.31%* | $100,000
18 month | 3.37%* | 3.41%* | $100,000
24 month | 3.37%* | 3.41%* | $100,000
36 month | 3.27%* | 3.31%* | $100,000
48 month | 3.17%* | 3.21%* | $100,000
60 month | 3.17%* | 3.21%* | $100,000
Up to 125% financing for qualified applicants.
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
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
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
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
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
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
Loan Term | Loan Amount | Annual Percentage Rate As Low As | Payment Example per $1,000 Borrowed
12 months | $500 - $25,000 | 6.50% | $86.31
24 months | $1,000 -$25,000 | 6.50% | $44.56
36 months | $2,500 -$25,000 | 6.50% | $30.66
48 months | $3,000 -$25,000 | 6.50% | $23.73
60 months | $5,000 -$25,000 | 6.50% | $19.58
Loan Amount | Annual Percentage Rate as low as
$500-$40,000 | 8.90%
Loan Amount | Annual Percentage Rate as low as
$250-$40,000 | 13.00%
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
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
Card | Non-Variable Annual Percentage Rate* | Annual Fee | 12-Month Introductory Annual Percentage Rate*
VISA Platinum Rewards | 11.90% | None | 0.00% on purchases 2.00% on balance transfers and cash advances
Student VISA | 16.90% | None | 0.00% on purchases 2.00% on balance transfers and cash advances
Affinity VISA | 11.90% | None | 0.00% on purchases 2.00% on balance transfers and cash advances
Share Secured VISA | 16.90% | None | None
Card | Variable Annual Percentage Rate** | Annual Fee | Introductory Annual Percentage Rate**
VISA Signature | 13.90% - 18.00% | None | 0.00% on purchases 2.00% on balance transfers and cash advances
*Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month introductory period immediately following the date your account is established (except for any cardholders who have had a Justice Federal Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee. To view the Credit Card Account Agreement and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.
**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%. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month introductory period immediately following the date your account is established (except for any cardholders who have had a Justice Federal Credit Card within the last 3 years, and all Share Secured VISA accountholders).VISA Signature Credit Card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Credit card has no annual fee. To view the Credit Card Account Agreement and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.
Combined Loan-to-Value | Annual Percentage Rate As low as | Loan Amount
Up to 79.99% CLTV | 6.75% | $10,000 to $250,000
80.00% - 89.99% CLTV | 7.00% | $10,000 to $250,000
Actual annual percentage rate (APR) will be determined when you apply and will be based on factors including combined loan to value, credit history, amount financed and the term of your loan, and 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 = 7.00% as of September 18, 2026. Maximum APR is 18.00%. Minimum APR floor rate is 4.00%. Average closing costs range from $400 to $3,000. Closing costs vary based on the location, government recording charges, and the amount of the equity loan, and may be less than or greater than the average provided. Property insurance is required. Other restrictions may apply. Interest may be tax deductible. 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. Consult a tax advisor. Home Equity Lines of Credit are not available in all states.
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.