Deposit Rates header banner

Deposit Rates

Checking Account Rates

Rates effective October 1, 2018 and subject to change.

Justice National Checking Account

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$2,500 0.050 0.050 $25

Beyond the Badge Checking Account

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$2,500 0.050 0.050 $25

Checking Accounts: Justice National, Beyond The Badge

Members maintaining a Justice National Account or Beyond the Badge checking account will receive a 10 basis point relationship rate increase on new and renewed certificate accounts. This 10 basis point relationship rate increase does not include the Grow with Me Certificate. Certificate rate increase effective by the end of the business day on date of opening or renewal. Checking account and certificate must be under the same account number. Your relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the applicable checking account is closed.

Savings Rates

Rates effective October 1, 2018 and subject to change.

Share Savings Account

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$20,000+ 0.150 0.150 $5
$2,500 - $19,999 0.100 0.100
$300 - $2,499 0.100 0.100

Savers Club

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$20,000+ 0.150 0.150 No minimum opening deposit
$2,500 - $19,999 0.100 0.100
$5 - $2,499 0.100 0.100

Money Market Rates

Rates effective October 1, 2018 and are subject to change.

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit Minimum Balance to Earn Dividends
$100,000+ 0.450 0.451 $25.00 $2,500
$50,000.00 - $99,999.99 0.350 0.351
$25,000.00 - $49,999.99 0.300 0.300
$10,000.00 - $24,999.99 0.250 0.250
$2,500.00 - $9,999.99 0.250 0.250

Money Market

Fees or other conditions may reduce earnings. See Representative for details.

Young Savers Accounts

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$20,000+ 0.250 0.250 $5
$2,500 - $19,999 0.200 0.200
$5 - $2,499 0.200 0.200

Grow With Me Account

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
12 Month Introduction 4.400 4.473 $500 - $10,000
13+ Months (Fed Fund Rate plus 1%) 3.250 3.290

Grow With Me Account

The 12-Month introductory dividend rate is current as of October 1, 2018 and subject to change. Rate 13+ Months may change on the first day of each calendar Quarter based on the changes in the Federal Funds rate (index), to which we add a margin of 1%. Opening deposit: $500 minimum, $10,000 maximum. Annual contributions: Up to $1,000 maximum. Opening deposit and annual contributions in new money or funds transferred from the child's Young Savers Account. New money is either: (1) Funds from another financial institution. (2) Funds that have been on deposit in a Justice Federal account for 30 days or less. Account subject to a penalty if funds are withdrawn prior to maturity date. All dividends will be forfeited if the Grow With Me account is closed prior to the teen's 18th birthday. Fees or other conditions may reduce earnings. Account must be opened for a child, grandchild, or other family member under the age of 18 using their Social Security number. Family member or legal guardian must have Justice Federal membership for minor to be eligible for this account.

Coverdell Education Savings Account

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$5+ 0.250 0.250 No minimum opening deposit

Certificate Rates

Share Certificate Rates

Rates effective October 1, 2018 and subject to change.

Term Dividend Rate Annual Percentage Yield Minimum Opening Deposit
60 month 3.067* 3.102* $500
48 month 2.380* 2.401* $500
36 month 2.380* 2.401* $500
24 month 2.282* 2.302* $500
18 month 1.900* 1.914* $500
12 month 1.850* 1.863* $500
6 month 0.550* 0.551* $500
3 month 0.300* 0.300* $500

Share Certificate Rates

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 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts. The Relationship rate increase does not include the Grow with Me Certificate. Certificate rate increase effective by end of day on date of opening or renewal. JNA/Beyond the Badge account and certificate must be under the same account number. Your Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA or Beyond the Badge account is closed.

Jumbo Share Certificate Rates

Term Dividend Rate Annual Percentage Yield Minimum Opening Deposit
60 month 3.167* 3.205* $100,000
48 month 2.480* 2.503* $100,000
36 month 2.480* 2.503* $100,000
24 month 2.382* 2.403* $100,000
18 month 2.000* 2.015* $100,000
12 month 1.950* 1.964* $100,000
6 month 0.650* 0.652* $100,000
3 month 0.400* 0.401* $100,000

Jumbo Certificate Rates

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 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts. The Relationship rate increase does not include the Grow with Me Certificate. Certificate rate increase effective by end of day on date of opening or renewal. JNA/Beyond the Badge account and certificate must be under the same account number. Your Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA or Beyond the Badge account is closed.

Traditional and Roth IRA Share Certificate Rates

Rates effective October 1, 2018 and subject to change.

Individual Retirement Account Share

Account Balance Dividend Rate Annual Percentage Yield Minimum Opening Deposit
$5+ 0.250 0.250 No minimum opening deposit

Traditional IRA and Roth IRA Certificate Rates

Term Dividend Rate Annual Percentage Yield Minimum Opening Deposit
60 month 3.067* 3.102* $500
48 month 2.380* 2.401* $500
36 month 2.380* 2.401* $500
24 month 2.282* 2.302* $500
18 month 1.900* 1.914* $500
12 month 1.850* 1.863* $500
6 month 0.550* 0.551* $500
3 month 0.300* 0.300* $500

Traditional IRA and Roth IRA Certificate Rates

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 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts. The Relationship rate increase does not include the Grow with Me Certificate. Certificate rate increase effective by end of day on date of opening or renewal. JNA/Beyond the Badge account and certificate must be under the same account number. Your Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the JNA or Beyond the Badge account is closed.

Jumbo IRA and Roth IRA Certificate Rates

Term Dividend Rate Annual Percentage Yield Minimum Opening Deposit
60 month 3.167* 3.205* $100,000
48 month 2.480* 2.503* $100,000
36 month 2.480* 2.503* $100,000
24 month 2.382* 2.403* $100,000
18 month 2.000* 2.015* $100,000
12 month 1.950* 1.964* $100,000
6 month 0.650* 0.652* $100,000
3 month 0.400* 0.401* $100,000

Jumbo, Traditional and Roth IRA

A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. See Representative for details.

*Rate includes a 10 basis point Justice National Account or Beyond the Badge Relationship rate increase on new and renewed certificate accounts. The relationship rate increase does not include the Grow with Me Certificate. Certificate rate increase effective by end of day on date of opening or renewal. Justice National or Beyond the Badge account and certificate must be under the same account number. Your Relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the applicable checking account is closed.

Direct Deposit
It's Pay Day, Your Way!

mobile: Direct Deposit.
			It's Pay Day, Your Way! Set-up Direct Deposit for Your Chance to Win!* Get Direct and win up to $5K. Learn More

Set-up Direct Deposit for Your Chance to Win!*

LEARN MORE

Become a Member

Our Online Membership Application is fast, easy and secure! Establish membership with a one-time deposit of $5 to a Share Savings Account.

Find a Branch/ATM

Advanced Search

FREEDOM CHECKING
Declare Your Independence!

Freedom Checking: $0 Minimum Balance
Requirement. $0 Monthly
Service Fee

LEARN MORE