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Justice Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 28, 2026
Justice Federal Credit Union's 4-Month CD rates are at 4.75%, 10-Month CD rates are at 4.25%, 18 Month CD rates are at 3.31%, 24 Month CD rates are at 3.31%, 12 Month CD rates are at 3.21%. Justice Federal Credit Union's savings rates are at 4.00%. Justice Federal Credit Union's money market rates are at 0.45%. Justice Federal Credit Union's Personal Loan Rates are as low as 7.99%. Justice Federal Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A health rating. 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 7.57%. Rates last updated and verified on 10/28/2026.
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.
Justice Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Justice Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
7.57%
ExcellentHigher than avg
Justice Federal Credit Union Texas Ratio
Justice Federal Credit Union's Texas Ratio is 7.57%, which is considered excellent and is higher than the national average of 6.13%.
Justice Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.69% to 7.57% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Justice Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
4-Month Certificate
-
4.75%
4 months
Min Balance$100,000
DetailsBalance: $100,000 and over; as high as; Special High-Yield Certificate; Rate effective October 1, 2026; Share, Traditional or Roth IRA Certificate available
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 4.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Special 4-Month Share, Traditional, and Roth IRA Certificate - With Justice National or Beyond the Badge Account
4.67%
4.75%
4 Months
Min Deposit$100,000
DetailsWith a Justice National or Beyond the Badge Account; rate includes .10% (10 basis points) relationship rate increase on the new certificate; JNA/Beyond the Badge account and certificate must be under the same Member Number
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
4-Month Certificate
-
4.65%
4 months
Min Balance$500
DetailsBalance: $500 - $99,999; as high as; Special High-Yield Certificate; Rate effective October 1, 2026; Share, Traditional or Roth IRA Certificate available
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 4.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Special 4-Month Share, Traditional, and Roth IRA Certificate - With Justice National or Beyond the Badge Account
4.57%
4.65%
4 Months
Min Deposit$500
DetailsWith a Justice National or Beyond the Badge Account; rate includes .10% (10 basis points) relationship rate increase on the new certificate; JNA/Beyond the Badge account and certificate must be under the same Member Number
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Special 4-Month Share, Traditional, and Roth IRA Certificate
4.47%
4.55%
4 Months
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 4.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
10-Month Certificate
-
4.25%
10 months
Min Balance$100,000
DetailsBalance: $100,000 and over; as high as; Special High-Yield Certificate; Rate effective October 1, 2026; Share, Traditional or Roth IRA Certificate available
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Special 10-Month Share, Traditional, and Roth IRA Certificate - With Justice National or Beyond the Badge Account
4.19%
4.25%
10 Months
Min Deposit$100,000
DetailsSpecial Certificate; Relationship rate includes .10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase; JNA/Beyond the Badge account and certificate must be under the same Member Number; rate increase effective by end of day on date of opening
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
10-Month Certificate
-
4.15%
10 months
Min Balance$500
DetailsBalance: $500 - $99,999; as high as; Special High-Yield Certificate; Rate effective October 1, 2026; Share, Traditional or Roth IRA Certificate available
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 4.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Special 10-Month Share, Traditional, and Roth IRA Certificate - With Justice National or Beyond the Badge Account
4.09%
4.15%
10 Months
Min Deposit$500
DetailsSpecial Certificate; Relationship rate includes .10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase; JNA/Beyond the Badge account and certificate must be under the same Member Number; rate increase effective by end of day on date of opening
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Special 10-Month Share, Traditional, and Roth IRA Certificate
3.99%
4.05%
10 Months
Min Deposit$500
DetailsSpecial Certificate; Certificate is subject to penalty for early withdrawal; renews at prevailing rates upon maturity
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 4.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
18 Month Jumbo Share Certificate
3.37%
3.41%
18 month
Min Deposit$100,000
DetailsRate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
24 Month Jumbo Share Certificate
3.37%
3.41%
24 month
Min Deposit$100,000
DetailsRate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
12 Month Jumbo Share Certificate
3.27%
3.31%
12 month
Min Deposit$100,000
DetailsRate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
18 Month Share Certificate
3.27%
3.31%
18 month
Min Deposit$500
DetailsRate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
Oct 15, 20263.31%▼ from 3.41%
Sep 25, 20263.41%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
24 Month Share Certificate
3.27%
3.31%
24 month
Min Deposit$500
DetailsRate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
Oct 15, 20263.31%▼ from 3.41%
Sep 25, 20263.41%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
36 Month Jumbo Share Certificate
3.27%
3.31%
36 month
Min Deposit$100,000
DetailsRate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
12 Month Share Certificate
3.17%
3.21%
12 month
Min Deposit$500
DetailsRate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
Oct 15, 20263.21%▼ from 3.31%
Sep 25, 20263.31%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
36 Month Share Certificate
3.17%
3.21%
36 month
Min Deposit$500
DetailsRate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
Oct 15, 20263.21%▼ from 3.31%
Sep 25, 20263.31%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
48 Month Jumbo Share Certificate
3.17%
3.21%
48 month
Min Deposit$100,000
DetailsRate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
60 Month Jumbo Share Certificate
3.17%
3.21%
60 month
Min Deposit$100,000
DetailsRate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
6 Month Jumbo Share Certificate
3.12%
3.16%
6 month
Min Deposit$100,000
DetailsRate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.16% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
48 Month Share Certificate
3.07%
3.11%
48 month
Min Deposit$500
DetailsRate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
Oct 15, 20263.11%▼ from 3.21%
Sep 25, 20263.21%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
60 Month Share Certificate
3.07%
3.11%
60 month
Min Deposit$500
DetailsRate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
Oct 15, 20263.11%▼ from 3.21%
Sep 25, 20263.21%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
6 Month Share Certificate
3.02%
3.05%
6 month
Min Deposit$500
DetailsRate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
Oct 15, 20263.05%▼ from 3.16%
Sep 25, 20263.16%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
3 Month Jumbo Share Certificate
1.11%
1.12%
3 month
Min Deposit$100,000
DetailsRate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 1.12% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
3 Month Share Certificate
1.01%
1.02%
3 month
Min Deposit$500
DetailsRate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Last Updated10/28/2026
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
Oct 15, 20261.02%▼ from 1.12%
Sep 25, 20261.12%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Justice Federal Credit Union Savings Rates
Product
Rate
APY
View More
Freedom Direct Savings
-
4.00%
Min Balance$0
DetailsQualifications Required; Balance: $0.00 - $25,000.00; Balance up to $25,000.00 earns 4.00% APY when the accountholder has direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month; balances over $25,000 earn 0.150% APY and balances in months when qualifications are not met earn the standard Share Savings APY starting at 0.100% (not extracted as separate rows)
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Young Savers Accounts
0.25%
0.25%
Min Deposit$5
Min Balance$20,000
DetailsBalance: $20,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Young Savers Accounts
0.20%
0.20%
Min Deposit$5
Min Balance$2,500
DetailsBalance: $2,500 - $19,999
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Share Savings Account
0.15%
0.15%
Min Deposit$5
Min Balance$20,000
DetailsBalance: $20,000+
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Share Savings Account
0.10%
0.10%
Min Deposit$5
Min Balance$2,500
DetailsBalance: $2,500 - $19,999
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Share Savings Account
0.10%
0.10%
Min Deposit$5
Min Balance$300
DetailsBalance: $300 - $2,499
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Justice Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Account
0.45%
0.45%
Min Deposit$25
Min Balance$100,000
DetailsBalance: $100,000+; Minimum balance to earn dividends: $2,500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Money Market Account
0.35%
0.35%
Min Deposit$25
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Minimum balance to earn dividends: $2,500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Money Market Account
0.30%
0.30%
Min Deposit$25
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99; Minimum balance to earn dividends: $2,500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Money Market Account
0.25%
0.25%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; Minimum balance to earn dividends: $2,500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Money Market Account
0.25%
0.25%
Min Deposit$25
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99; Minimum balance to earn dividends: $2,500
Last Updated10/28/2026
Rate History
1 change since Oct 4, 2026 · 0.10% → 0.25% ▲ 0.15 pts · high 0.25% / low 0.10%
No change since Sep 25, 2026 · 6.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Home Equity Line of Credit (HELOC) - 10 Year Draw, 10 Year Repayment Period
-
-
6.75%
DetailsAs Low As; Combined Loan-to-Value: Up to 79.99% CLTV; Loan Amount: $10,000 to $250,000; Maximum APR 18.00%; Minimum APR floor rate 4.00%; Rate based on highest Prime Rate
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.75% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Home Equity Line of Credit (HELOC) - 10 Year Draw, 10 Year Repayment Period
-
-
7.00%
DetailsAs Low As; Combined Loan-to-Value: 80.00% - 89.99% CLTV; Loan Amount: $10,000 to $250,000; Maximum APR 18.00%; Minimum APR floor rate 4.00%; Rate based on highest Prime Rate
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 25, 20267.00%▲ from 6.75%
Sep 16, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Fixed Rate Home Equity Loan - 5 years
-
-
7.25%
5 years
DetailsAs Low As; Up to 79.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Fixed Rate Home Equity Loan - 10 years
-
-
7.75%
10 years
DetailsAs Low As; Up to 79.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Fixed Rate Home Equity Loan - 15 years
-
-
8.00%
15 years
DetailsAs Low As; Up to 79.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Fixed Rate Home Equity Loan - 5 years
-
-
8.00%
5 years
DetailsAs Low As; 80.00-89.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Fixed Rate Home Equity Loan - 10 years
-
-
8.50%
10 years
DetailsAs Low As; 80.00-89.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Fixed Rate Home Equity Loan - 20 years
-
-
8.50%
20 years
DetailsAs Low As; Up to 79.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Fixed Rate Home Equity Loan - 15 years
-
-
8.75%
15 years
DetailsAs Low As; 80.00-89.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Fixed Rate Home Equity Loan - 20 years
-
-
9.25%
20 years
DetailsAs Low As; 80.00-89.99% CLTV; Loan Amount: $10,000 to $250,000
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 9.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Justice Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Automobile Loan
-
-
4.69%
Up to 24 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 4.69% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Used Automobile Loan
-
-
4.69%
Up to 24 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 4.69% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Automobile Loan
-
-
4.89%
36 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 4.89% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Automobile Loan
-
-
5.19%
48 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 5.19% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Used Automobile Loan
-
-
5.19%
36 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 5.19% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Automobile Loan
-
-
5.39%
60 months
DetailsAs Low As; Loan Amount: $5,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 5.39% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Used Automobile Loan
-
-
5.49%
48 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Automobile Loan
-
-
5.59%
72 months
DetailsAs Low As; Loan Amount: $15,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 5.59% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Used Automobile Loan
-
-
5.59%
60 months
DetailsAs Low As; Loan Amount: $5,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 5.59% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Used Automobile Loan
-
-
6.09%
72 months
DetailsAs Low As; Loan Amount: $15,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Automobile Loan
-
-
6.89%
84 months
DetailsAs Low As; Loan Amount: $20,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.89% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Used Automobile Loan
-
-
7.09%
84 months
DetailsAs Low As; Loan Amount: $20,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Automobile Loan
-
-
7.89%
96 months
DetailsAs Low As; Loan Amount: $40,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.89% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Used Automobile Loan
-
-
8.09%
96 months
DetailsAs Low As; Loan Amount: $40,000+
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 8.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Justice Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycle Loan - Up to 24 months
-
4.69%
Up to 24 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Motorcycle Loan - 36 months
-
4.89%
36 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 4.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Motorcycle Loan - 48 months
-
5.19%
48 months
DetailsAs Low As; Loan Amount: $2,500+
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Motorcycle Loan - 60 months
-
5.39%
60 months
DetailsAs Low As; Loan Amount: $5,000+
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Motorcycle Loan - 72 months
-
5.59%
72 months
DetailsAs Low As; Loan Amount: $15,000+
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.59% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New and Used Boat and RV Loan
-
6.84%
Up to 36 months
DetailsAs Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $30.80
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.84% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New Motorcycle Loan - 84 months
-
6.89%
84 months
DetailsAs Low As; Loan Amount: $20,000+
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 6.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New and Used Boat and RV Loan
-
7.09%
60 months
DetailsAs Low As; Loan Amount: $10,000+; Payment Example per $1,000 Borrowed: $19.84
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.09% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New and Used Boat and RV Loan
-
7.74%
72 months
DetailsAs Low As; Loan Amount: $25,000+; Payment Example per $1,000 Borrowed: $17.41
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
New and Used Boat and RV Loan
-
7.94%
84 months
DetailsAs Low As; Loan Amount: $25,000+; Payment Example per $1,000 Borrowed: $15.56
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 7.94% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Justice Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Affinity VISA
-
0.00%
DetailsIntro rate expires: 12 months; Intro APR: 0.00% on purchases, 2.00% on balance transfers and cash advances; Regular APR: 11.90%; Annual Fee:
Last Updated10/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Student VISA
-
0.00%
DetailsIntro rate expires: 12 months; Intro APR: 0.00% on purchases, 2.00% on balance transfers and cash advances; Regular APR: 16.90%; Annual Fee:
Last Updated10/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
VISA Platinum Rewards
-
0.00%
DetailsIntro rate expires: 12 months; Intro APR: 0.00% on purchases, 2.00% on balance transfers and cash advances; Regular APR: 11.90%; Annual Fee:
Last Updated10/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
VISA Signature
-
0.00%
DetailsIntro rate expires: 12 months; Regular APR: 13.90% - 18.00%; Introductory 2.00% on balance transfers and cash advances; Annual Fee:; Maximum APR 18.00%; Rate based on highest WSJ Prime Rate
Last Updated10/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Justice Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
VISA Signature
0.00%
DetailsIntro rate expires: 12 months; Regular APR: 13.90% - 18.00%; Introductory 2.00% on balance transfers and cash advances; Annual Fee:; Maximum APR 18.00%; Rate based on highest WSJ Prime Rate
Last Updated10/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Personal Loan
7.99%
Up to 12 months
DetailsAs Low As; Loan Amount: $500+; Rate effective as of October 1, 2026
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Personal Loan
7.99%
24 months
DetailsAs Low As; Loan Amount: $1,000+; Rate effective as of October 1, 2026
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Personal Loan
8.24%
36 months
DetailsAs Low As; Loan Amount: $2,500+; Rate effective as of October 1, 2026
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Personal Loan
8.49%
48 months
DetailsAs Low As; Loan Amount: $3,000+; Rate effective as of October 1, 2026
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Personal Loan
8.99%
60 months
DetailsAs Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Personal Loan
9.49%
72 months
DetailsAs Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 9.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Personal Loan
11.99%
84 months
DetailsAs Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 11.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Justice Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Justice Line of Credit
-
-
13.00%
DetailsAs Low As; Loan Amount: $250-$40,000; Actual APR may be higher and is based on an evaluation of applicant credit - not all applicants will qualify for the lowest rate
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 13.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Coverdell Education Savings Account
0.25%
-
0.25%
Min Balance$5
DetailsBalance: $5+
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Justice National Account
0.05%
-
0.05%
Min Deposit$25
Min Balance$2,500
DetailsBalance: $2,500
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.57%
Financial Health History
Justice Federal Credit Union’s Texas Ratio stayed near 7.69% in Q3 2023 to 7.57% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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.
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)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.1B
7.57%
5.0
A
March 31, 2026
$1.2B
4.95%
5.0
A+
December 31, 2025
$1.1B
8.64%
5.0
A
September 30, 2025
$1.1B
8.56%
5.0
A
June 30, 2025
$1.1B
9.18%
5.0
A
March 31, 2025
$1.1B
6.21%
5.0
A
December 31, 2024
$1.1B
8.15%
5.0
A
September 30, 2024
$1.0B
8.12%
5.0
A
June 30, 2024
$1.0B
7.51%
5.0
A
March 31, 2024
$1,000M
5.02%
5.0
A+
December 31, 2023
$969M
7.43%
5.0
A
September 30, 2023
$973M
7.69%
5.0
A
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.
Address
5175 Parkstone Dr Ste 200,
Chantilly, VA 20151-3816
Phone703-480-5300
Fax703-480-5400
PresidentEllen Warwick
CEOMark Robnett
Full-Time Employees163
Part-Time Employees3
Branch Locations22
ATM Locations7
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.57%
Return on Assets (ROA)
0.3475%
Return on Equity (ROE)
2.8695%
Non-Performing Loans Ratio (NPL)
1.28%
Total Assets
1,142,000,072
Total Amount of Shares and Deposits
997,643,518
Total Shares and Deposits < 1 Year
943,381,163
Total Shares and Deposits 1 3 Years
44,327,533
Total Shares and Deposits > 3 Years
9,934,822
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
102,133,702
Total Uninsured Shares and Deposits > $250K (F+J)
104,968,856
Total Insured Shares and Deposits > $250K (item 17 less item K)
892,674,662
Total Interest Expense (Sum of items 6 8)
8,131,725
Share Certificates
8,214
Number of Accounts for Share Drafts
41,094
IRA KEOGH Accounts
2,669
Number of Accounts for Regular Shares
80,756
Non Member Deposits
372
Money Market Shares
2,655
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)
94,676,026
Total Liabilities
1,017,320,521
Source: NCUA — Last Updated 06/30/2026
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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Justice Federal Credit Union
Frequently Asked Questions About Justice Federal Credit Union
Does Justice Federal Credit Union offer CDs?
Yes. Justice Federal Credit Union current CD rates include its 4-Month CD at 4.75% APY, its 10-Month CD at 4.25% APY and its 18 Month CD at 3.31% APY, verified by MonitorBankRates as of October 28, 2026.
Are CDs from Justice Federal Credit Union NCUA insured?
Yes. Justice Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Justice Federal Credit Union?
The highest Justice Federal Credit Union CD rate is its 4-Month CD at 4.75% APY, verified by MonitorBankRates as of October 28, 2026.
What CD terms does Justice Federal Credit Union offer?
Justice Federal Credit Union CD rates are 4.75% APY for a 4 month CD, 4.25% APY for a 10 month CD, 3.21% APY for a 12 month CD, 3.31% APY for an 18 month CD, 3.31% APY for a 2 year CD and 3.11% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Justice Federal Credit Union for its full lineup.
What is the highest savings rate at Justice Federal Credit Union?
The highest Justice Federal Credit Union savings rate is its Freedom Direct Savings at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest money market rate at Justice Federal Credit Union?
The highest Justice Federal Credit Union money market rate is its Money Market Account at 0.45% APY, verified by MonitorBankRates as of October 28, 2026.
What is the lowest personal loan rate at Justice Federal Credit Union?
The lowest Justice Federal Credit Union personal loan rate is its Personal Loan at 7.99% APR, verified by MonitorBankRates as of October 28, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Justice Federal Credit Union rates compare?
Justice Federal Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A health rating. Justice Federal Credit Union's top rates are its 4-Month CD at 4.75% APY, its Freedom Direct Savings at 4.00% APY, its Money Market Account at 0.45% APY and its Personal Loan at 7.99% APR, verified by MonitorBankRates on October 28, 2026.
Current Justice Federal Credit Union Rates
12-Month CD3.21%
18-Month CD3.31%
24-Month CD3.31%
60-Month CD3.11%
Savings4.00%
MMA0.45%
Retrieved from our database of financial products. Rates subject to change.