Justice FCU Offers 24-Month CD Special


UPDATE 4/13/2017: No longer being offered.

Deal Summary: 24-month Share Certificate Special, 2.02% APY ($500 min), 2.12% APY ($100k min); new money; additional 10 basis points with checking relationship

Availability: Easy membership requirement

On Saturday, Justice Federal Credit Union (Justice FCU) began promoting its 24-month Share Certificate Special (2.02% APY, $500 minimum) and 24-month Jumbo Share Certificate Special (2.12% APY, $100k minimum). An additional 10 basis points are available with either a Justice National or Beyond the Badge checking account relationship (more detail about that later).

All deposits must be new money, which is defined as either funds from another financial institution, or funds on deposit with Justice FCU for 30 days or less.

The Share Certificate Specials are also available as IRAs (Traditional and Roth) at the same rates, with the same funding requirements.

As stated in the fine print on the Deposit Rates page, the Early Withdrawal Penalty reads as follows:

Share certificate is subject to 180-day penalty for early withdrawal.

Checking Relationship

As stated above, an additional 10 basis points will be added to the Share Certificate Special, if a Justice National or Beyond the Badge checking account is opened and maintained. The only difference between the two checking accounts is that Beyond the Badge is for individuals 55 years or older. Both accounts earn 0.05% APY, have a $25 minimum opening deposit, and require a $2.5k daily balance to avoid an $8 monthly service fee. There are no transactional requirements with either checking account.

0.05%$2,500-Justice Federal Credit UnionJustice National Checking Account
0.05%$2,500-Justice Federal Credit UnionBeyond The Badge Checking
Accounts mentioned in this post. Rates as of September 24, 2017.

If you close your checking account during the term of the Share Certificate Special, the “rate will be reduced to the original dividend rate of your Share Certificate for the remainder of the certificate term.”

Many thanks to the DA reader who sent an email about this deal.


Headquartered in Chantilly, Virginia, Justice FCU bills itself as the "premier provider of financial services to the Justice, Homeland Security and Law Enforcement Community." Employees of the Department of Justice, Homeland Security, State and Federal Courts, and the Georgia Department of Public Safety are the largest groups eligible for membership.

Members of certain Law Enforcement Associations, and Retirees and Contractors of specific government organizations are also eligible.

For a complete list of membership qualifications, please refer to Justice FCU’s membership page.

While the field of membership appears to be somewhat narrow, membership eligibility is open to the general public through the National Sheriffs’ Association (NSA) and the National Native American Law Enforcement Association (NNALEA).

The NSA has a "Citizens Sustaining Membership" ($15) that is open to anyone, regardless of employment status. According to NNALEA’s website,

Membership is open to both Native and Non-Native Americans. Members do not have to be law enforcement officers. The National membership fee is $15.

Note: An “easy membership requirement” does not necessarily equate to an easy joining process, as evidenced by DA reader, me1004’s, comments from an earlier blog post for Justice FCU.

I note, this place might be "easy" membership, but you will find it is not very easy at all. You will have to join one of those two groups on you own in advance, and the CU will not accept any proof of membership other than a formal membership letter, which you won't get for weeks.

Joining Justice FCU and/or opening a Share Certificate Special can be done online, or at any of 23 branches located in California (2), Georgia (2), Illinois, New York (2), Texas (2), Virginia (4), West Virginia (2), and the District of Columbia (8). That being said, the vast majority of Justice FCU branches have limited access, with only one public access branch available in each of the following: California, District of Columbia, Georgia, Virginia, and West Virginia.

The membership application can also be downloaded to facilitate joining.

Credit Union Overview

Justice Federal Credit Union has an overall health grade of "A" at EpBooks.us, with a Texas Ratio of 4.00% (excellent) based on December 31, 2016 data. In the past year, Justice FCU increased its total deposits by $41.06 million, an excellent annual growth rate of 7.69%. Please refer to our financial overview of Justice Federal Credit Union (NCUA Charter # 151) for more details.

The history of Justice FCU is a classic example of a successful workplace credit union that began with a group of employees trying to help each other financially.

MARCH 2, 1935 – Twelve Department of Justice employees organize to form a credit union offering employee access to low cost loans and savings accounts. With only $137 in assets and 41 charter members, The Department of Justice Federal Credit Union (DOJFCU) is founded.

82 years later, Justice FCU has become the 14th largest credit union headquartered in Virginia, with more than 57,500 members, branch locations in seven states and the District of Columbia, a diverse field of membership, and assets in excess of $715 million.

How the Share Certificate Special Compares

When compared to other 195 similar length-of-term CDs tracked by EpBooks.us, that are available nationally, Justice Federal Credit Union’s 24-month Jumbo Share Certificate Special APY has little competition, regardless of minimum deposit.

The above rates are accurate as of 4/3/2017.

To look for the best CD rates, both nationwide and state specific, please refer to our CD rates table or our Rates Map page.

Kaight | | Comment #1
Attractive deal available to all. Thank you, Ken, for posting.
Current Member
Current Member | | Comment #2
It gets worse. Even if you're already a member, you have to send in a signed application to apply for a new CD. Their customer service is good, but their procedures are rather strict.
Anonymous | | Comment #3
This is a decent offer in todays climate. 24-Mo CD Special, up to 2.22%. I am a member of Justice FCU from 2015 when I opened their 24 Mo Special Anniversary CD, 2%. So I'm fortunate that I don't have to go thru the application process.
qde | | Comment #4
I don't understand why this isn't listed as the top rate in the 2-year cd search?
Anonymous | | Comment #5
I believe this is the highest national 24Mo CD (Jumbo $100K). 2.22% if you have the special checking acct. ($2500), otherwise 2.12%. Even the lower rate $500 required would be highest going CD rate.
Jesperson | | Comment #6
This offer is not shown on their website.
Kaight | | Comment #7
Today is April 14, 2017. It is a little after 1:00pm ET. I was able today without difficulty to open the subject special CD. Thank you, Ken.

Could today be the last day? I dunno. I did not ask. However, going to the JFCU savings rate page, I can tell you this 2 year CD special continues to be shown there at this hour. This is a very good deal, at this time, for 2 year CD money. Best of luck to all.
Annonymous | | Comment #8
The offer is closed!
On 4/14/17 they would complete an order if you had already started the process earlier. Worked for me!! On the last day I was finally able to get my available funds deposited into the Savings Acct. I faxed the signed application for the Special offer & a Rep opened the 2.22% CD.
Kaight | | Comment #9
Agreed. I have checked again and, as you state, the deal is gone. However yesterday, Friday April 14, the deal was quite alive. Deal did not die until close of business yesterday. It did not die on Thursday April 13.
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