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Checking & Savings

Important Notice: Long-standing IRS Rollover Interpretation Changing

Understanding Your NCUA Share Insurance Coverage

Share Certificate Account

Share Certificates allow your money to grow with higher, market competitive rates. So whether you are saving for that new home, a special rainy day, or retirement, use our Share Certificate Account to make it easy!

  Terms from 90 days to 60 months
  Minimum deposit requirement as low as $500
  No maximum deposit
  Dividends earned from the day of deposit, compounded and paid quarterly
  A quarterly statement of earnings
  A maturity notice and 10 day grace period to examine reinvestment alternatives
  Quick access to earnings; dividends can be credited to other share accounts or even mailed to account holder
  Safe and Secure NCUA insurance

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Traditional IRA Certificates

Saving for retirement has become more important than ever. With a Justice FCU Individual Retirement Account (IRA), you are investing wisely and securely for your future.

The following investment options are available:

Traditional IRA

A Traditional IRA is an account that allows you to defer taxes on earnings until they are withdrawn. Certain contributions may be tax deductible in the year they are made. Consult a Tax Representative for details.
Learn More >>

Roth IRA

A Roth IRA offers tax-free and penalty-free withdrawals for qualified expenses. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from a Roth than from a Traditional IRA. Learn More >>

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Certificate Penalty for Early Withdrawal
A certificate with a term of 12 months or less will lose 90 days of dividends for early withdrawal; a certificate with a term of 13 months or more will lose 180 days of dividends for early withdrawal.

Certificate is subject to early withdrawal penalty, plus forfeiture of bonus dividend value. Fees or other conditions may reduce earnings. Share certificates will renew at prevailing rates. Please inquire as to rates and terms; and maturity transfer/investment options.

 NCUA   Twitter Phone: 800.550.5328 • Email: jfcu@jfcu.org
ABA/Routing Number: 254074413
Equal Housing Lender      NAFCU-Proud Member 2012