Build on Earnings with Ladder Certificates

Justice Federal Credit Union - Since 1935

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Ladder certificates.

A smart way to build on earnings!

Share, Traditional or Roth IRA

Justice Federal 7-Month Certificate: 5.20% APY* | Justice Federal 17-Month Certificate: 5.00% APY*

Earn up to 3x the national average**

$500 Minimum Deposit

Earn even more with a Justice National or Beyond the Badge account***

5.20% APY^*

for 7-Months

$500-$99,999

Earn 5.30% APY with a Justice National or Beyond the Badge account***

5.00% APY^*

for 17-Months

$500-$99,999

Earn 5.10% APY with a Justice National or Beyond the Badge account***

5.30% APY^*

for 7-Months

$100,000+

Earn 5.40% APY with a Justice National or Beyond the Badge account***

5.10% APY^*

for 17-Months

$100,000+

Earn 5.20% APY with a Justice National or Beyond the Badge account***

What could you earn with a $15,000 deposit?

Term	Annual Percentage Yield	Total Approximate Earnings
7-Months	5.30%***	$458
17-Months	5.10%***	$1,095

CALCULATE YOUR EARNINGS

OPEN NOW

To learn more, or open today, visit jfcu.org/Certificates, your nearest branch, or call 800.550.5328.

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Blog: What is a Certificate Ladder and What are the Advantages?

Certificate ladders operate on a simple principle: instead of investing in a single certificate with a fixed term, savers distribute their funds across multiple certificate accounts with different, staggered, maturity dates. Let’s take a closer look at certificate ladders and why this may be an excellent choice for your funds.

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*APY= Annual Percentage Yield. APY is subject to change without notice. Rate effective December 1, 2023. Minimum balance of $500 required. A penalty will be imposed for early withdrawal from certificate accounts. Fees or other conditions may reduce earnings. **12-Month Certificate national average is 1.75% Annual Percentage Rate, Courtesy of Bank Rate as of November 28, 2023. ***Justice National or Beyond the Badge account relationship rate includes a .10% (10 basis point) increase on the new 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.

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