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Justice Federal Credit Union Rates & Review September 2026

Justice Federal Credit Union's Personal Loan Rates are as low as 7.99%. Justice Federal Credit Union's Credit Card Rates are at 11.90%. MonitorBankRates evaluates the financial stability of Justice Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.95%. Rates last updated and verified on 09/23/2026.

Justice Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Justice Federal Credit Union? Share your experience about Justice Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Justice Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.95%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Justice Federal Credit Union
Chantilly Headquarters
5175 Parkstone Dr Ste 200
Chantilly, VA 20151-3816
https://www.jfcu.org
Member NCUA

Justice Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (HELOC) - 10 Year Draw, 10 Year Repayment Period - - 6.50%
Details Combined Loan-to-Value: Up to 79.99% CLTV
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Home Equity Line of Credit (HELOC) - Interest Only - - 6.50%
Details Combined Loan-to-Value: Up to 79.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Home Equity Line of Credit (HELOC) - 10 Year Draw, 10 Year Repayment Period - - 6.75%
Details Combined Loan-to-Value: 80.00% - 89.99% CLTV
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Home Equity Line of Credit (HELOC) - Interest Only - - 6.75%
Details Combined Loan-to-Value: 80.00% - 89.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Fixed Rate Home Equity Loan - - 7.25% 5 years
Details Loan Amount: $10,000 to $250,000; CLTV: Up to 79.99%
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Fixed Rate Home Equity Loan - - 7.75% 10 years
Details Loan Amount: $10,000 to $250,000; CLTV: Up to 79.99%
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Fixed Rate Home Equity Loan - - 8.00% 5 years
Details Loan Amount: $10,000 to $250,000; CLTV: 80.00-89.99%
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Fixed Rate Home Equity Loan - - 8.00% 15 years
Details Loan Amount: $10,000 to $250,000; CLTV: Up to 79.99%
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Fixed Rate Home Equity Loan - - 8.50% 10 years
Details Loan Amount: $10,000 to $250,000; CLTV: 80.00-89.99%
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Fixed Rate Home Equity Loan - - 8.50% 20 years
Details Loan Amount: $10,000 to $250,000; CLTV: Up to 79.99%
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Fixed Rate Home Equity Loan - - 8.75% 15 years
Details Loan Amount: $10,000 to $250,000; CLTV: 80.00-89.99%
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Fixed Rate Home Equity Loan - - 9.25% 20 years
Details Loan Amount: $10,000 to $250,000; CLTV: 80.00-89.99%
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Justice Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.69% Up to 24 months
Details Loan Amount: $2,500+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Vehicle Loans - - 4.69% Up to 24 months
No additional details.
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 4.89% 36 months
Details Loan Amount: $2,500+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Vehicle Loans - - 4.89% 36 months
No additional details.
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 5.19% 36 months
Details Loan Amount: $2,500+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 5.19% 48 months
Details Loan Amount: $2,500+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Vehicle Loans - - 5.19% 48 months
No additional details.
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 5.39% 60 months
Details Loan Amount: $5,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Vehicle Loans - - 5.39% 60 months
No additional details.
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 5.49% 48 months
Details Loan Amount: $2,500+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 5.59% 60 months
Details Loan Amount: $5,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 5.59% 72 months
Details Loan Amount: $15,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Vehicle Loans - - 5.59% 72 months
No additional details.
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 6.09% 72 months
Details Loan Amount: $15,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 6.84% Up to 36 months
Details Loan Amount: $2,500+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 6.89% 84 months
Details Loan Amount: $20,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Vehicle Loans - - 6.89% 84 months
No additional details.
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 7.09% 84 months
Details Loan Amount: $20,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 7.09% 60 months
Details Loan Amount: $10,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 7.74% 72 months
Details Loan Amount: $25,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Vehicle Loans - - 7.89% 96 months
No additional details.
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 7.94% 84 months
Details Loan Amount: $25,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Auto Loan - - 8.09% 96 months
Details Loan Amount: $40,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Justice Federal Credit Union Credit Card Rates

Product Rate APR View More
Affinity VISA - 11.90%
Details Intro rate expires: 12 months; Regular APR: 0.00% on purchases, 2.00% on balance transfers and cash advances
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
VISA Platinum Rewards - 11.90%
Details Intro rate expires: 12 months; Regular APR: 0.00% on purchases, 2.00% on balance transfers and cash advances
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
VISA Signature - 13.65%
Details Intro rate expires: 0.00% on purchases, 2.00% on balance transfers and cash advances
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Student VISA - 16.90%
Details Intro rate expires: 12 months; Regular APR: 0.00% on purchases, 2.00% on balance transfers and cash advances
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Justice Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 7.99% Up to 12 months
Details Loan Amount: $500+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Personal Loans 7.99% 24 months
Details Loan Amount: $1,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Personal Loans 8.24% 36 months
Details Loan Amount: $2,500+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Personal Loans 8.49% 48 months
Details Loan Amount: $3,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Personal Loan 8.90%
Details Loan Amount: $500-$40,000
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Personal Loans 8.99% 60 months
Details Loan Amount: $5,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Personal Loans 9.49% 72 months
Details Loan Amount: $5,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Personal Loans 11.99% 84 months
Details Loan Amount: $5,000+
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Personal Loan 13.00%
Details Loan Amount: $250-$40,000
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
VISA Signature 13.65%
Details Intro rate expires: 0.00% on purchases, 2.00% on balance transfers and cash advances
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Justice Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
New Card Intro Rate Loan - - 13.65% 12-month intro rate
Details Intro/promo APR: 2%; Intro rate expires: 12 months; Regular APR: 13.65% - 18.00% Variable APR*
Last Updated 09/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Financial Health History

Justice Federal Credit Union’s Texas Ratio fell from 6.00% in Q2 2023 to 4.95% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.00% A Q2 2023 A Q3 2023 A Q4 2023 A+ Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 4.95% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$1.2B4.95%5.0A+
December 31, 2025$1.1B8.64%5.0A
September 30, 2025$1.1B8.56%5.0A
June 30, 2025$1.1B9.18%5.0A
March 31, 2025$1.1B6.21%5.0A
December 31, 2024$1.1B8.15%5.0A
September 30, 2024$1.0B8.12%5.0A
June 30, 2024$1.0B7.51%5.0A
March 31, 2024$1,000M5.02%5.0A+
December 31, 2023$969M7.43%5.0A
September 30, 2023$973M7.69%5.0A
June 30, 2023$954M6.00%5.0A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Justice Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Justice Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Justice Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Justice Federal Credit Union
Address 5175 Parkstone Dr Ste 200, Chantilly, VA 20151-3816
Phone 703-480-5300
Fax 703-480-5400
President Ellen Warwick
CEO Mark Robnett
Full-Time Employees 168
Part-Time Employees 1
Branch Locations 22
ATM Locations 7
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.95%
Return on Assets (ROA)
0.1020%
Return on Equity (ROE)
0.8725%
Non-Performing Loans Ratio (NPL)
0.89%
Total Assets
1,158,996,534
Total Amount of Shares and Deposits
1,020,653,911
Total Shares and Deposits < 1 Year
997,663,157
Total Shares and Deposits 1 3 Years
12,928,308
Total Shares and Deposits > 3 Years
10,062,447
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
107,635,150
Total Uninsured Shares and Deposits > $250K (F+J)
111,520,513
Total Insured Shares and Deposits > $250K (item 17 less item K)
909,133,398
Total Interest Expense (Sum of items 6 8)
4,114,022
Share Certificates
8,246
Number of Accounts for Share Drafts
37,926
IRA KEOGH Accounts
2,678
Number of Accounts for Regular Shares
74,612
Non Member Deposits
379
Money Market Shares
2,665
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
178,202,003
Total Liabilities
1,036,794,262
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Justice Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/justice-federal-credit-union-rates-review-151">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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0
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Frequently Asked Questions About Justice Federal Credit Union

How many branches does Justice Federal Credit Union operate?

Justice Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Justice Federal Credit Union?

Yes, to access services at Justice Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Justice Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Justice Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Justice Federal Credit Union offer online and mobile banking?

Most modern institutions like Justice Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.jfcu.org.