Justice Federal Credit Union is headquartered in Chantilly and is the 16th largest credit union in the state of Virginia. It is also the 432nd largest credit union in the nation. It was established in 1935 and as of December of 2022, it had grown to 155 employees and 61,581 members at 19 locations. Justice Federal Credit Union has an A health rating.
Field of Membership Restrictions
Membership in Justice Federal Credit Union is open to anyone through joining the National Sheriff's Association or the National Native American Law Enforcement Association. Membership is also open to employees of the Department of Justice, the Department of Homeland Security, U.S. Courts, members of Law Enforcement Associations and other select groups, and to the family of those eligible.
See current membership details
Related Posts
10/19 - Justice Federal Credit Union CD Specials
10/9 - Great 5-Year Rate At Justice Federal Credit Union
4/1/17 - Up To 2.22% APY - 24 Month Certificate Special Offer - Justice FCU
12/9/16 - $250 Bonus For Checking With Direct Deposit At Justice FCU
6/24/15 - JFCU Anniversary CD Max=$100K (Was $25K)
6/5/15 - Justice Federal Credit Union Celebrates 80 Years With High Rate CD
11/13/14 - Justice Federal Credit Union Leads With 36-Month CD Special
11/2/14 - JFCU Online Transfers Dormant 11/9 Thru 11/12
6/29/13 - Federal Reserve Deposit Transfer Problems?
5/15/13 - JFCU $1.00/Paper Statement Fee Begins Aug 1, 2013
4/9/13 - JFCU Scheduled Maintenance Wed 4-10-13...Thr 4-11-13
2/17/13 - JFCU Scheduled Outage Tue-Wed 2/19-2/20
3/5/12 - Competitive CD Rates at Justice Federal Credit Union
12/4/11 - 1-Year CD Bonus At Justice FCU
3/2/11 - 2% Sure Saver Certificate (25-Month Term)
2/13/11 - Hot 1-Year CD Rate at Justice Federal Credit Union - Easy Membership
12/22/10 - Hot 75-Day CD Special at Justice Federal Credit Union - Easy Membership
2/1/08 - 5.00% 60-Month CD at Justice FCU - Easy Membership
3/17/07 - 6.25% 24-Month CD at a Multi-State CU and $100 Sign-up Bonus (Justice FCU).
3/17/07 - Update on JFCU's 6.25% 24-Month CD
3/17/07 - Update #2 for JFCU's 6.25% 24-Month CD and $100 Bonus
Great Credit Union
JFCU is great. Nice people, reasonable check holds, good mobile app. Better than any national or regional bank.
Best Bank Ever!
I went from the largest credit union. Navy Federal to Justice Federal and did the right chose after joining the Feds. I think the bank is very strict about opening accounts because some of there branches are in FBI offices etc., which makes complete sense. When calling in they do ask to verify a lot of information to make sure your the right person on the other end, which is great! By far the best bank. Been with Navy Federal for 8 years and been with Justice Federal for a year and it's beyond my expectations!
Justice Federal Credit Union
For Justice Federal Credit Union (JFCU), I would describe the credit union as sometimes very slow and unresponsive, but this is more than balanced by a genuine concern for its members. They charge almost no fees, and interest rates for both credit and savings accounts are good. Their website and smartphone app are clunky, and frequently down, but all the basics are there, and they are clearly putting alot of effort into improving them. There are some strange organization to the website/app as well, for instance paying a consumer loan account is done through the same process as transferring funds between bank accounts yet making a payment on their credit card requires going through a totally different menu. One other minor annoyance is they require a $5 balance to remain in their Savings Account for each member (whether you want a Savings Account or not), and so this $5 basically becomes lost to you. That said, they have always been very generous to me and others I know in credit decisions, they are very lenient on overdrafts and late payments on loans/credit accounts, and their ATM's are very conveniently located if you work for the organizations they serve. Also, each holiday season they have offered a "skip-a-payment" feature that allows you to skip on payment between November and January (interest doesn't stop, however).
JFCU Member
In my time with Justice Federal Credit Union, I would say that it has been mostly enjoyable. Some of the grievances that I have include being offered at 16.9% APR loan on $2,000 even though I had sufficient income to pay it back within a few months. Also, there is a 30 dollar cover fee that is charged to overdrafts. Though JFCU gives a $25 rebate in the event that you load the necessary funds, it can send your account into a hole, and if you have bills that are pending it will just add to the overdraft. Deposits are also a problem too. If you deposit at a ATM only 200 dollars are made available instantly, and the rest is processed in about 3 business days. However, you can circumvent this by depositing in 200 dollar intervals everyday. Customer service is very helpful though, they are very knowledgeable. One time, I had tried to buy a TV for about 800 dollars and JFCU placed my card under review which was frustrating because I knew I had the funds and to the cashier it was coming up declined. When I called them they told me that they had to verify that it was me making the purchase. A good security measure, but very inconvenient. The website is easy to use, but the interface is unattractive and there is a auto-logout function that can be very frustrating. There is one location that is a CO-OP branch close to me but other than that there aren't many locations close to me.
Impossible To Open A Membership
Don't bother applying to join this credit union -- even with extensive documentation of your identity and proof of eligibility, they will deny your application. I tried twice, both online and in-branch. Same result.
JFCU - Treated Me Horribly
I've been a member for about a year. Until recently everything was cool.
A couple months ago, I noticed an unauthorized transaction on my debit card. I checked and the card was still in possession. I immediately reported it to the credit union.
To their credit, they did give provisional credit immediately, cancelled the card, and sent me a new card as well as some paperwork to fill out.
I activated the new card, filled out, signed, and mailed the fraud affidavit, and thought all would be cool.
Fast-forward to a few days ago. I log into online banking and they took back the provisional credit, falsely claiming that I never sent them the paperwork. Then they charged me bogus fees on top of all that.
So, I call them up, and they stand by their decision. I had to take off two days to basically do their job for them before they reluctantly agreed to reverse their decision.
Then I get a nasty sarcastic email from one of their supervisors.
Rude and uncool.
NO CUSTOMER SERVICE IN ACCOUNTING, STUBBORN ATTITUDE, INCOMPETENT ACCOUNTING SUPERVISOR AND HER EMPLOYEE SHURU - CHANTILLY, VA (HEADQUARTERS)
My wife and I have been members for 20 years and everything was okay until I made a request.
The request was made and it was TOTALLY screwed up. Then, their (ACCOUNTING DEPT SUPERVISOR'S) resolution to the problem they created in the accounting department was to have the customer "call the receiving institution and ask them to request the change!"
The transaction was screwed up at the onset and then, instead of correcting their mistake(s), they demanded the customer call the receiving institution to request the changes.
Then, after speaking with the accounting office supervisor, she tried to question why we had a problem. Then, it was identified that the customer service rep had actually requested ("SHURU" in the accounting department) make the changes necessary to rectify the mistake(s) before they happened. However, SHURU did not do it (even after the customer service rep noticed the problem prior to the erroneous transaction and sent the request to SHURU (in the accounting department) to make sure the transaction was corrected (before the errors occurred/happened) but SHURU didn't correct it . Then, when the ACCOUNTING SUPERVISOR was contacted to correct their mistake, she questioned the customer instead of correcting her staff's MISTAKE.
"Sorry, we can not help you" was the ACCOUNTING SUPERVISOR'S RESPONSE TO THE CUSTOMER, "contact the receiving institution and ask them to make the request!
Result: We are moving all major funds to another account and they will no longer hold our funds.
We will now use JFCU SOLEY to pay electronic payments (such as utility companies). But, they will no longer hold our savings account funds (WHICH IS WHERE THEY GET FUNDS TO LOAN OUT).
SOMEONE NEEDS TO SUPERVISE THE ACCOUNTING SUPERVISOR AND HOW SHE MANAGES HER EMPLOYEES TO SERVE THE CUSTOMER. SHE (HERSELF) HAS NO CUSTOMER SERVICE INTEREST AND IS NOT INTERESTED IN ASSISTING CUSTOMERS EVEN (OR ESPECIALLY) WHEN HER OWN EMPLOYEE, "SHURU" MAKES MISTAKES AFTER ANOTHER DEPARTMENT SPECIFICALLY GAVE HER DIRECTION AND TO CORRECT THE ERROR BEFORE IT WAS MADE! AND, TO TOP IT OFF, THE ACCOUNTING SUPERVISOR DIDN'T SAY, SORRY - SHE QUESTIONS THE CUSTOMER - SO SHE CAN DEFLECT THE PROBLEM HER DEPARTMENT MADE AND PUT IT ON THE CUSTOMERS BACK, WAITS FOR HER TIME TO CLOCK OUT, AND GOES HOME. SOMEONE NEEDS TO MONITOR THE RELATIONS BETWEEN THE ACCOUNTING DEPARTMENT STAFF AND THEIR SUPERVISOR.
SOMEONE NEEDS TO CLEAN HOUSE IN THAT ACCOUNTING DEPARTMENT. THIS WAS A VERY SIMPLE SOLUTION TO A PROBLEM JFCU MADE AND THEY REFUSED TO CORRECT IT BECAUSE IT WOULD FURTHER IDENTIFY THEIR MISTAKE SO THEY CHOSE TO NOT MAKE THE CORRECTION AND TRY TO MAKE THE CUSTOMER FEEL LIKE THEIR REQUEST IS STUPID.
THEN, AS A LAST RESORT, WE TOLD THE ACCOUNTING SUPERVISOR THAT "SHURU", HER OWN EMPLOYEE, WAS NOTIFIED INTERNALLY BY JFCU CUSTOMER SERVICE OF THE MISTAKE (PRIOR TO IT BEING MADE). THE ACCOUNTING SUPERVISOR'S REPLY TO THE CUSTOMER WAS, "I WILL TALK TO SHURU, BUT I WILL NOT CORRECT THE MISTAKE" WHO IS SHURU???? IS SHE THE NIECE OR DAUGHTER OF SOMEONE???
RED FLAGS!! ALERT!! RED FLAGS IN THE ACCOUNTING DEPARTMENT!!!
Justice Federal Credit Unon S**Cks! (NO STARS!)
I cannot tell you how angry I am at how I have just been treated by Justice Federal Credit Union, at their Los Angeles branch. In the end, they would not open an account for me -- after me spending weeks preparing for it and spending money to do so to meet the requirements the people at the branch said were what I needed. I met those requirements to the T and then some.
Starting two weeks ago, I called the branch three times. Three times I was told that I could qualify for membership by producing merely the e-mailed receipt of payment of dues from National Native American Law Enforcement Assn. I was specifically told things can be a bit looser about meeting the sign-up qualification at the branches than joining online. That had been after me pointing out that if I join online, they apparently will NOT do so merely by me producing that e-mail, require I produce the actual welcome letter and membership card sent out some weeks later.
In fact, in addition to the e-mailed receipts of payment, I also got another e-mail from NNALEA providing me my membership number -- putting me over and above what I had been told I needed to join at the Los Angeles branch, what I had been told in three different phone calls before going in this morning.
I went in to join this morning. I produced copies of the e-mails, and I was taken over to an office to sign up and open my accounts.
When I sought to add on two beneficiaries, I was told I MUST have their Social Security numbers. I had asked about that in all three previous phone calls. In the first two calls, I was told that was not mandatory, I could add them without their SS numbers. In the third call before I went in this morning, the woman said she believed I must have the SS numbers, but we agreed we would call in the manager to see about waiving that, as considering the previous phone calls I expected such a waiver would be routine.
When I got to the branch, I produced my NNALEA membership e-mails, including the membership number. With that, we went to the office and started the signup. She copied my driver's license, the membership number, took all my personal info and input it in the computer. We called in the manager, who was quite short about saying no to adding the beneficiaries without the SS numbers. She would not even let me say anything, to point out that they don't even need to have a SS number to be my beneficiary, and I have been using them for decades and never needed such, etc. She just cut me right off, not letting me say anything, and said she didn't want to argue about it. How RUDE! I tried to speak again, and she just cut me off again. Clearly I was not going to get anywhere with her, and I dropped it. And she left. But I felt quite offended.
So, the person signing me up of course asked if I wanted to proceed. I decided to proceed anyway, maybe against my better judgement. But I did. (Just FYI, for private reasons, I can't get my beneficiaries' SS numbers because I can't even ask as I don't want them to even know they are beneficiaries, for various reasons. But my reason isn't important since they don't even need SS numbers to be my beneficiaries.)
We completed all the sign up and setting up of the accounts. Then, surprisingly, the person opening the accounts said now she had to turn it over to the manager to finish it. The manager came in, she looked first at the e-mails of membership. And she rejected that immediately! She said that was not sufficient, not even the membership number, that I needed BOTH those e-mails AND the welcome letter mailed by NNALEA! I tried to point out that I specifically had asked into that and was assured all along that those e-mails are sufficient for the BRANCH to sign me up. The manager again just cut me off short, said she didn't want to argue, and I can't open a membership there unless I provide that welcome letter.
With this rude shortness of her's and this critical thing suddenly changed and undermining everything, I of course was quite unhappy and angry. I spoke a bit louder, but in no way was at any shouting level. I told her I had been assured in three phone calls that was sufficient, and specifically told that I did not need the mailed letter from NNALEA. She said those people I spoke with are not in the "department" that handles those matters so don't know. I pointed out that that is who they have me talk to when I call in and ask for someone to talk to about opening! I asked if that was the case, why didn't they at least say that when I came in the door and produced the papers! At this point, she just did not like my protest, and she told me I can go or she will call security! Security! How insulting! Why?! I hadn't made any threat or threatening moves, or anything. This manager women is just nuts! I said don't worry, I'm going, I won't open an account here, and I was picking up my papers to go. As I was picking them up, she threatened that I must go or she will call security! Again! This is insane, how insulting! I got up and starting walking out, and she followed right on top of me. I told her point blank as we went out that she should be ashamed how she is running that office and that she is incompetent.
I went to a lot of trouble to get everything in order for them, as THEY said they wanted it. I spent $17.50 to join NNALEA, which I would not have done if I had been informed I needed the welcome letter, as NNALEA at least told me up front that it could be three weeks before I would get that. I drove 30 miles round trip to the branch. I spent an hour there, only in the END, not the beginning, to be told the e-mails were not sufficient. And the manager was rude at every turn. I felt like I was treated like a criminal by her.
And to sign up with this credit union online can take two weeks, without any rate being locked in the whole time, so you might get signed up only to not want an account there if rates fall over those two weeks!
This credit unions, and most especially this branch, S**CKS big time!
I cannot tell you how offensive that manager is.
Data as of Q4 2022
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 151 |
| Year Chartered | 1935 |
| Employees | 155 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.05% |
| Return on Equity - YTD | 10.46% |
| Annual Interest Income | $37.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2022vs Q4 2021 | $985.7MM$936.7MM |
| Loans | Q4 2022vs Q4 2021 | $732.2MM$641.1MM |
| Deposits | Q4 2022vs Q4 2021 | $850.0MM$790.4MM |
| Equity Capital | Q4 2022vs Q4 2021 | $96.5MM$104.3MM |
| Loan Loss Allowance | Q4 2022vs Q4 2021 | $5.2MM$5.1MM |
| Unbacked Noncurrent Loans | Q4 2022vs Q4 2021 | $6.8MM$4.5MM |
| Real Estate Owned | Q4 2022vs Q4 2021 | $0$0 |
