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Deposit Rates
Loan Rates Deposit Rates Credit Card Rates Home Equity Rates Mortgage Rates
Savings Rates

All rates are effective April 1, 2014  
and are subject to change without notice.
Account Type
Dividend Rate
Annual Percentage Yield
Share Savings Accounts
Balance: $20,000+
Balance: $2,500 - $19,999.99
Balance: $300.00 - $2,499.99
Minimum opening deposit: $5.00
0.15
0.10
0.10
0.15
0.10
0.10
For information on this product, click here.
Justice National Account (Checking)
Average daily balance: $2,500.00
Minimum opening deposit: $25.00
0.05
0.05

Accounts maintaining a Justice National Account (JNA) will receive a 0.10% JNA Relationship rate increase on new and renewed certificate accounts. This 0.10% JNA Relationship rate increase does not include the Grow with Me Certificate and Sure Saver Certificate. Certificate rate increase effective by the end of the business day on date of opening or renewal. JNA and certificate must be under the same account number. Your JNA Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA is closed.

For information on this product, click here.
BEYOND THE BADGE Checking
Average daily balance: $2,500.00
Minimum opening deposit: $25.00
0.05
0.05
For information on this product, click here.
Young Savers Account
Balance: $20,000.00+
Balance: $2,500 - $19,999.00
Balance: $5.00 - $2,499.00
Minimum opening deposit: $5.00
0.25
0.20
0.20
0.25
0.20
0.20
For information on this product, click here.
Grow With Me Account
12 Month Introduction
13+ Months (Fed Fund Rate plus 1%)
Minimum opening deposit of $500 - $10,000
4.40
1.24
4.50
1.25
For information on this product, click here.
Savers Club
Balance: $20,000.00+
Balance: $2,500 - $19,999.00
Balance: $5.00 - $2,499.00
No minimum opening deposit
.15
.10
.10
.15
.10
.10
For information on this product, click here.
IRA Share
Balance: $5.00+
No minimum opening deposit
.25
.25
For information on this product, click here.
Coverdell Education Savings Account balance: $5.00+
No minimum opening deposit
.25
.25
For information on this product, click here.

A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.

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Money Market Rates

All rates are effective April 1, 2014
and are subject to change without notice.
Minimum opening deposit: $25.00
Minimum balance to earn dividends: $2,500.00
Account Type
Dividend Rate
Annual Percentage Yield
$100,000+
0.30
0.30
$50,000.00 - $99,999.99
0.25
0.25
$25,000.00 - $49,999.99
0.15
0.15
$10,000.00 - $24,999.99
0.15
0.15
$2,500.00 - $9,999.99
0.10
0.10

Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.

For information on this product, click here.
Open Now

Certificate Rates

All rates are effective April 1, 2014
and are subject to change without notice.
Minimum opening deposit: $500.00
Account Type / Term
Dividend Rate
Annual Percentage Yield
60 month
1.49*
1.50*
48 month
1.19*
1.20*
36 month
1.00*
1.00*
24 month
0.65*
0.65*
18 month
0.50*
0.50*
12 month
0.45*
0.45*
6 month
0.35*
0.35*
3 month
0.30*
0.30*

A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.

*Rate includes a 0.10% Justice National Account (JNA) Relationship rate increase on new and renewed certificate accounts. The JNA Relationship rate increase does not include the Grow with Me Certificate and Sure Saver Certificate. Certificate rate increase effective by end of day on date of opening or renewal. JNA and certificate must be under the same account number. Your JNA Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA is closed.

For information on this product, click here.
Open Now

Jumbo Certificate Rates

All rates are effective April 1, 2014
and are subject to change without notice.
Minimum opening deposit: $100,000.00
Account Type / Term
Dividend Rate
Annual Percentage Yield
60 month
1.59*
1.60*
48 month
1.29*
1.30*
36 month
1.09*
1.10*
24 month
0.75*
0.75*
18 month
0.60*
0.60*
12 month
0.55*
0.55*
6 month
0.45*
0.45*
3 month
0.40*
0.40*

A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.

*Rate includes a 0.10% Justice National Account (JNA) Relationship rate increase on new and renewed certificate accounts. The JNA Relationship rate increase does not include the Grow with Me Certificate and Sure Saver Certificate. Certificate rate increase effective by end of day on date of opening or renewal. JNA and certificate must be under the same account number. Your JNA Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA is closed.

For information on this product, click here.
Open Now

Traditional IRA and Roth IRA Certificate Rates

All rates are effective April 1, 2014
and are subject to change without notice.
Minimum opening deposit: $500.00
Account Type / Term
Dividend Rates
Annual Percentage Yield
60 month
1.49*
1.50*
48 month
1.19*
1.20*
36 month
1.00*
1.00*
24 month
0.65*
0.65*
18 month
0.50*
0.50*
12 month
0.45*
0.45*
6 month
0.35*
0.35*
3 month
0.30*
0.30*

A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.

*Rate includes a 0.10% Justice National Account (JNA) Relationship rate increase on new and renewed certificate accounts. The JNA Relationship rate increase does not include the Grow with Me Certificate and Sure Saver Certificate. Certificate rate increase effective by end of day on date of opening or renewal. JNA and certificate must be under the same account number. Your JNA Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA is closed.

For information on this product, click here.
Open Now

Jumbo Traditional IRA and Roth IRA Certificates Rates

All rates are effective April 1, 2014
and are subject to change without notice.
Minimum opening deposit: $100,000.00
Account Type / Term
Dividend Rate
Annual Percentage Yield
60 month
1.59*
1.60*
48 month
1.29*
1.30*
36 month
1.09*
1.10*
24 month
0.75*
0.75*
18 month
0.60*
0.60*
12 month
0.55*
0.55*
6 month
0.45*
0.45*
3 month
0.40*
0.40*

A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. Request further information from our staff concerning fees and terms applicable to the advertised accounts.

*Rate includes a 0.10% Justice National Account (JNA) Relationship rate increase on new and renewed certificate accounts. The JNA Relationship rate increase does not include the Grow with Me Certificate and Sure Saver Certificate. Certificate rate increase effective by end of day on date of opening or renewal. JNA and certificate must be under the same account number. Your JNA Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA is closed.

For information on this product, click here.
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 NCUA   Twitter Phone: 800.550.5328 • Email: jfcu@jfcu.org
ABA/Routing Number: 254074413
Equal Housing Lender      NAFCU-Proud Member 2012