Justice Federal Credit Union Adds 24-Month CD Special


UPDATE 8/27/2018: No longer available.

Deal Summary: 24-month Certificate Special, 3.252% APY ($500 min), 3.354% APY ($100k min), new money, checking relationship.

Availability: Easy membership requirement

It's a new month, with new deals, and a new limited-time 24-month Certificate Special at Justice Federal Credit Union (Justice FCU). The 24-month Certificate Special earns either 3.252% APY ($500 min) or 3.354% APY ($100k min). These rates include a 10 bps rate increase, predicated on opening and maintaining either a Justice National or Beyond the Badge checking account relationship (more detail about that below).

According to the fine print on the promotion page, all deposits must be new money, which is considered to be,

Funds that have been on deposit in a Justice Federal
account for 30 days or less transferred to a 24-month certificate.

The Certificate Special is also available as an IRA (Traditional and Roth) at the same rates, with the same funding requirements.

As stated on the Certificate Special promotion page, the Early Withdrawal Penalty reads as follows:

A certificate with a term of 13 months or more
will lose 180 days of dividends for early withdrawal.

Checking Relationship

As I mentioned earlier, the stated rates include an additional 10 bps for maintaining either a Justice National or Beyond the Badge checking account. The only difference between the two checking accounts is that Beyond the Badge is for individuals 55 years or older. Both accounts earn 0.05% APY, have a $25 minimum opening deposit, and require a $2.5k daily balance to avoid an $8 monthly service fee. There are no transactional requirements with either checking account.

0.05%$2.5k-Justice Federal Credit UnionJustice National Checking Account
0.05%$2.5k-Justice Federal Credit UnionBeyond The Badge Checking
Rates as of September 18, 2019.

If you close your checking account during the term of the Certificate Special, the “rate will be reduced to the original dividend rate of your Share Certificate for the remainder of the certificate term.”

Many thanks to the DA reader who let me know about this hot deal.


Headquartered in Chantilly, Virginia, Justice FCU bills itself as the "premier provider of financial services to the Justice, Homeland Security and Law Enforcement Community." Employees of the Department of Justice, Homeland Security, State and Federal Courts, and the Georgia Department of Public Safety are the largest groups eligible for membership.

Members of certain Law Enforcement Associations, and Retirees and Contractors of specific government organizations are also eligible.

For a complete list of membership qualifications, please refer to Justice FCU’s membership page.

While the field of membership (FOM) appears to be somewhat narrow, membership eligibility is open to the general public through the National Sheriffs’ Association (NSA) and the National Native American Law Enforcement Association (NNALEA).

The NSA has a "Citizens Sustaining Membership" ($15) that is open to anyone, regardless of employment status. According to NNALEA’s website,

Membership is open to both Native and Non-Native Americans. Members do not have to be law enforcement officers. The National membership fee is $15.

Note: An “easy membership requirement” does not necessarily equate to an easy joining process, as evidenced by DA reader, me1004’s, comments from an earlier blog post for Justice FCU.

I note, this place might be "easy" membership, but you will find it is not very easy at all. You will have to join one of those two groups on you own in advance, and the CU will not accept any proof of membership other than a formal membership letter, which you won't get for weeks.

Joining Justice FCU and/or opening a Certificate Special can be done online, or at any of 26 branches located in California (2), Florida, Georgia (3), Illinois, New York (2), Texas (2), Virginia (5), West Virginia (2), and the District of Columbia (8).

The membership application can also be downloaded to facilitate joining.

The vast majority of Justice FCU branches have limited access, with only one public access branch available in each of the following: California, District of Columbia, Georgia, Virginia, and West Virginia.

Many of our Branches and ATMs are located within secure facilities. Access to these locations may be restricted. Please ensure you have proper clearance to enter these restricted access branches prior to visiting.

Justice FCU is a member of the Co-Op Shared Branch network, providing members with access to more than 5,500 shared branches and nearly 150,000 ATMs throughout the country.

Credit Union Overview

Justice Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 2.59% (excellent) based on March 31, 2018 data. In the past year, Justice FCU increased its total deposits by $36.89 million, an excellent annual growth rate of 6.52%. Please refer to our financial overview of Justice Federal Credit Union (NCUA Charter # 151) for more details.

The history of Justice Federal Credit Union is a classic example of a successful workplace credit union that began with a group of employees trying to help each other financially.

MARCH 2, 1935 – Twelve Department of Justice employees organize to form a credit union offering employee access to low cost loans and savings accounts. With only $137 in assets and 41 charter members, The Department of Justice Federal Credit Union (DOJFCU) is founded.

Eighty-three years later, Justice FCU has become the 14th largest credit union headquartered in Virginia, with more than 60,600 members, branch locations in eight states and the District of Columbia, a diverse field of membership, and assets in excess of $767 million.

How the Certificate Special Compares

When compared to the similar length-of-term CDs tracked by DepositAccounts.com, that are available nationally, Justice Federal Credit Union’s 24-month Certificate Special APY has little competition, regardless of minimum deposit requirements.

The above rates are accurate as of 8/2/2018.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: 5-year CD rates, nationwide deals

Ricochet   |     |   Comment #1
Deeper reading, I saw that there is a $15 NSA fee? I know we usually have a lifetime membership in these circumstances, but is this an annual fee to keep us qualified for the two (2) year CD? I don't recall where I saw It but thought it said if not paid it reverts to a Standard Rate 24 month APY?
Ricochet   |     |   Comment #2
OK OK maybe it was just the Checking ACCT
my bad sorry
Bozo   |     |   Comment #3
This apparent requirement to join an affiliate group, then provide written proof of membership, is a bit of a turn-off. Rates can disappear in the time it takes to obtain that proof of membership. I would encourage the folks at this credit union to explore "one-stop-shopping", where one can join an affiliate group and the credit union, purchase a CD, and lock the rate, all at the same time. This is exactly what INOVA FCU provides prospective members. I know, I did all the above in one trip to their Berkeley (CA) office. The office manager took all my information in advance, over the phone, and I was in and out in under an hour that afternoon.
Luvcd   |     |   Comment #4
Bozo, good points...perhaps having an expanded explanation by Ken as to what is required for membership is a good start, eg. chek systems usable rather than credit report, what if the person has other accounts why any need for credit report, who pays for the release of the credit agency freeze, why not accept a copy of SS card and/or passport, etc.

Also, Bozo on another post attributed to you :-) If "partners" live in Nevada and have a source of services related income from Calif sources, wouldn't non-resident filing in Calif "perhaps" be required?
Bozo   |     |   Comment #14
Luvcd (re comment #4, second paragraph), interesting observation. Well above my pay-grade, to be sure.
Luvcd   |     |   Comment #15
I “hear” you
Free Dumb
Free Dumb   |     |   Comment #5
It may seem quaint, but this credit union may want to actually encourage long term members, who join for reasons other than rate shopping.
Luvcd   |     |   Comment #6
What a novel concept...members supporting their CU with low rate loans (to the CU) in the form of CDs. Does that concept work with equal force in the loans that are made by that CU?
Free Dumb
Free Dumb   |     |   Comment #7
Do you think your question is a relevant response?
Luvcd   |     |   Comment #8
In the same jest that #5 expressed, 6th was expressed, i.e only relevant posts are made. Bonus dividends at the end of a CU year are also a nice way to "reward" long term members, too. Creativity!
Bogie   |     |   Comment #9
I don't believe comment #5 was said in "jest". Free Dumb makes a valid point.

That is why many CUs have restrictions on their membership availability. They are looking to gain long term relationships with customers, rather than people just flipping CDs and savings Accts.
me1004   |     |   Comment #10
My negative experience with this CU went well beyond simply the long delays in joining the outside group in order to qualify for CU membership. The people at the CU branch were so negative -- EXTREMELY so, the rudest and very ill informed I've ever come across, including the branch manager -- that even in the face of 3.354% for a mere 2-year CD, I will not deal with this CU, I would rather take a lot lower return elsewhere -- and I say this as I am looking for a new CD in the next two weeks.
Sparky   |     |   Comment #11
I believe this issue was addressed here in detail at least once previously. Justice FCU offers a CD deal like this one approximately every couple of years. I you want to participate, the best way is to have your membership set up ahead of time. The NSA and NNALEA are primarily professional associations. Unlike the ACC, they're not set up to serve as an instant conduit for CU membership. I've never found the JFCU staff to be other than completely professional. I wouldn't hesitate to call on them for assistance.
me1004   |     |   Comment #13
That was not the singular issue I was referring to. Like I said, it went well beyond that. They were downright abusive to me, very much so.
qdc   |     |   Comment #12
I was able to take advantage of the last deal by joining the sheriff's association. ymmv.
Anon   |     |   Comment #21
To get 3.25% APY you need to open a checking account and leave $2500 in it to avoid monthly fees. I need to verify with Justice FCU, but it looks like you get 3.15% APY without the checking account.
pure_code   |     |   Comment #22
That is correct in principle, you got the numbers wrong by roughly 0.1, 3.354 if you have a checking account (with 2.5k to avoid fees) and 3.254 if you don't, cheers!! still the best deal in town w/o a checking account.
Anon   |     |   Comment #23
You are wrong. It's 3.354% APY for $100K minimum and 3.252% APY for $500 minimum, but both those rates require $2500 in a checking account. It says Rate includes a 10 basis point Justice National or Beyond the Badge Checking Account Relationship rate increase on the new certificate.
Pure_code   |     |   Comment #24
So it's 3.254 without a checking account then for 100K plus, how was that wrong? Maybe neglected the minimum but so did your original post, still the best deal for 2 year.
Anon   |     |   Comment #25
This is correct
pwj7050   |     |   Comment #26
Why hasn’t Depositaccounts.com recorded this in its 2 YR nationwide CD offers yet?!!!!!!! It’s been over a week since the offer was available!

What else are you missing, Ken?!
Ken Tumin
Ken Tumin   |     |   Comment #27
This CD special isn't listed in the CD rate tables because it is a relationship product requiring a checking account. It will be listed in this Tuesday's CD summary.
pwj7050   |     |   Comment #28
Ken, the CD is available without a checking account, however the rate is reduced by 10 basis points for each tier should you not opt to open the checking account. I went to their branch in Los Angeles and opened a $50k 24 month CD.

Although the reps were friendly, they were not very knowledgeable, and I explained that the offer was very confusing. Especially since the rep had to ask another rep to explain it to her! But I did lock in a 3.13%/3.15% APY deal.
Concerned Citizen
Concerned Citizen   |     |   Comment #32
My prior comments were flagged and deleted however the substance was apparently ignored as this blog has NOT been updated. Once again, the 3.35% 24 MO CD rate has been discontinued as of 08/20/18, and by default the non-checking attached offer of 10 basis points less, along with it. People are quick to report posts for what they perceive as offensive or inappropriate but apparently not so quick to keep the blog postings as current and accurate as possible.
DAJunky   |     |   Comment #34
Sorry to see your earlier post was removed. For the most part I thought it was helpful, further
confirming past experiences others have posted regarding the challenges of joining this CU, while
possibly providing some additional insight for rate chasing 'newbies'.

Successful rate chasing often requires significant (preemptive) planning, patience and persistence.
While this can be frustrating at times, the long haul rewards ARE very worthwhile, provided one is
willing to commit the necessary effort.

If you hold on to your new JFCU membership you're now at least much better positioned to take
advantage of future time-sensitive offers, as you noted. While waiting, just don't forget to set up
small periodic (6 mo. or so?) deposits to your new primary share account to avoid unexpected
account inactivity/dormancy fees!
Justice FCU Offers 24-Month CD Special

UPDATE 4/13/2017: No longer being offered.

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Availability: Easy membership requirement

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The blended rate works out to approximately 2.00% APY for a 27-month Special Anniversary CD (minus about...

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Justice FCU’s website describes the 36-month CD Special this way:

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Update 3/2/2011: The 1-year CD rate has fallen. If they offer deals in the future, this reader's review may change your mind about trying to join.

Justice Federal Credit Union is offering two very competitive rates on its 1-year CDs and IRA CDs: 2.00% APY for a $500 minimum and 2.10% APY for a $100,000 minimum. These rates are listed in the credit union's deposit rates page as of 2/13/2011.

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