Justice Federal Credit Union 60-Month Jumbo CD Earns 3.21% APY


Deal Summary: 60-month Jumbo Certificate, 3.205% APY, $100k minimum; 60-month Share Certificate, 3.102% APY, $500 minimum; checking relationship.

Availability: Easy membership requirement

Justice Federal Credit Union (Justice Federal) is currently offering very competitive rates on its 60-month Jumbo Certificate (3.205% APY, $100k min) and 60-month Share Certificate (3.102% APY, $500 min).

These rates include a 10 bps rate increase, predicated on opening and maintaining either a Justice National or Beyond the Badge checking account throughout the term (more detail about that below).

The Certificates are also available as IRAs (Traditional and Roth), earning the same rates with the same funding requirements.

As stated on the Certificates 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 differences between the two checking accounts is that Beyond the Badge is for individuals 55 years or older and comes with free checks. Both accounts earn 0.05% APY, have a $25 minimum opening deposit, and require a $2.5k daily balance to avoid the monthly service fee ($10 for Justice Nation and $8 for Beyond the Badge). There are no transactional requirements with either checking account.

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 DA reader, beecia, for the Forum post about the Jumbo Certificate. I’d also like to thank kentchristopher and HollyHolly for their comments.


Headquartered in Chantilly, Virginia, Justice Federal Credit Union 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.

Immediate family of current Justice Federal members are also welcome to apply. Those included are “spouses, children, siblings, parents, grandparents, grandchildren, stepchildren, stepsiblings, stepparents, adopted family, as well as anyone living in the same residence under a single economic unit.”

For a complete list of membership qualifications, please refer to Justice Federal’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 Federal.

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 Federal and/or opening a Jumbo Certificate can be done online, or at any of 27 branches located in California (2), Florida, Georgia (4), Illinois, New York (2), Texas (4), Virginia (5), West Virginia (2), and the District of Columbia (6).

The membership application can also be downloaded to facilitate joining.

Establish Membership with a $5 deposit into a Share Savings Account.

The vast majority of Justice Federal 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 Federal participates in the CO-OP Shared Branch network, providing members with access to more than 5,500 shared branches. Justice Federal has partnered with the largest fee-free ATM networks (belongs to and nearly 150,000 ATMs throughout the country.

Justice Federal has partnered with the largest surcharge-free ATM networks (Allpoint, Alliance One, CO-OP, STAR) worldwide to provide you with the most convenient ATM access possible.

Credit Union Overview

Justice Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 3.89% (excellent) based on June 30, 2019 data. In the past year, Justice Federal increased its total deposits by $12.19 million, an above average annual growth rate of 1.98%. 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-four years later, Justice Federal has become the 15th largest credit union headquartered in Virginia, with nearly 62,000 members, branch locations in eight states and the District of Columbia, a diverse field of membership, and assets in excess of $797 million.

How the Jumbo Certificate Compares

When compared to the similar length-of-term CDs tracked by DepositAccounts.com, that are available nationally, Justice Federal Credit Union’s 60-month Jumbo Certificate APY currently ranks first, regardless of minimum deposit requirements.

The above rates are accurate as of 10/11/2019.

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

Related Pages: New York CD rates, Macon CD rates, Washington CD rates, Atlanta CD rates, Miami CD rates, Clarksburg CD rates, Chicago CD rates, Houston CD rates, Los Angeles CD rates, 5-year CD rates, nationwide deals

  |     |   Comment #1
That is certainly a highly competitive, and noteworthy, rate of interest given current circumstances and considering yet another rate cut could be coming as early as month's end.  I am an existing JFCU member, albeit an inactive one.  Strange JFCU did not have the good sense even to email me about this deal.  Instead I am learning about it here on DA for the first time.  Go figure.
  |     |   Comment #2
Do you really thing CUs should email inactive members about CD rate deal?
  |     |   Comment #3
its not unusual ..lol

  |     |   Comment #5
Yes, I surely do think that . . . . unless common sense has been repealed in this regard as in so many others today.
  |     |   Comment #6
Apparently the people at Justice CU and I think alike and the opposite of what you think. We all have our own thoughts...........such is life.
  |     |   Comment #4
Decent rate at this point, though NavyFed offers a similar rate without all the hassles in joining (by which point this rate will probably disappear). Also don't like having to open a checking acct just to get the higher rate. Also, there are still some local CUs that offer a 5yr/3% rate.
  |     |   Comment #7
Weiss Ratings, which in my view has stricter and more accurate ratings, only gives Justice Federal a C+ rating (compared to their "A" rating for Navy Federal). Navy Federal has a better return on assets (1.71 vs. 1.20%) as an example of why they are rated higher. I personally would not invest with Justice Federal given the low Weiss rating, and the difficult hoops that other readers have mentioned.
Just my 2 cents
  |     |   Comment #8
I respectfully disagree - if they are insured and you are under limits, I have no problem jumping through some minor hoops to get a better rate when I comes to how hard I work just to make my money. Now those 10-30 monthly debits for reward checking accounts, not for me. But to each their own and I respect everyone’s opinion here.
  |     |   Comment #9
I agree with comment #8. Nothing to fear putting money with Justice FCU as long as they are covered by NCUA insurance. Although I too, would never jump through those hoops to catch their CD offering.

Over the years I have had CDs in two banks that failed and their assets were taken over by other banks. Both times I was given the option of cashing out those CDs or continuing them until maturity with the new banks at a then lower rate.
  |     |   Comment #10
Your point is well taken. That is why I generally post my views in the first person: expressing my own beliefs and preferences rather than prescribing these views for others. The essence of my point (which I didn't express clearly enough) is that since there are still institutions like Navy Federal that have comparable rates, higher safety ratings, and less hoops to jump through, I would choose one of those institutions over Justice Federal.
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...

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Justice FCU Offers 24-Month CD Special

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

Deal Summary: 24-month Share Certificate Special, 2.02% APY ($500 min), 2.12% APY ($100k min); new money; additional 10 basis points with checking relationship

Availability: Easy membership requirement

On Saturday, Justice Federal Credit Union (Justice FCU) began promoting its 24-month Share Certificate Special (2.02% APY, $500 minimum) and 24-month Jumbo Share Certificate Special (2.12% APY, $100k minimum). An additional 10 basis points are available with either a Justice National or Beyond the Badge checking account relationship (more detail about that later).

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Justice Federal Credit Union Celebrates 80 Years With High Rate CD

UPDATE 8/18/2015: As of the end of business August 14, 2015, this CD is no longer available.

Availability: Easy membership requirements (but please note comment #1).

Justice Federal Credit Union (Justice FCU) is celebrating 80 years of service with a rather unique, blended-rate Special Anniversary Share Certificate (CD). The first 80 days of the Special Anniversary CD earn 8.00% APY; starting on Day 81, and for the following 24 months, the APY is 1.35%.

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

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Justice Federal Credit Union Leads With 36-Month CD Special

Justice Federal Credit Union (Justice FCU) is promoting a new, limited time 36-month CD Special (1.50% APY). The minimum opening deposit is $500 and there is no maximum balance cap.

This promotional 36-month CD requires new money to open and is also available as an IRA (Traditional and Roth) at the same APY, with the same funding requirements. According to CSR, the Early Withdrawal Penalty is 12 months’ dividends.

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

Additional Basis Points

Opening a Justice National Checking Account can add an additional...

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Competitive CD Rates at Justice Federal Credit Union

It has been over a year since my last post of Justice Federal Credit Union. Over the years I have done several posts on this credit union due to its competitive rates and a field of membership that allows many people to qualify. Even though many may be able to qualify for JFCU membership, it doesn't mean it's easy as a reader described in this review. Because of this problem, I haven't mentioned this credit union for the last year. However, it continues to offer some top CD rates. Also,...

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