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On May 4th, 2022, the prime rate increased to 4.00% (from 3.50% previously).  The increase means loans with a rate of prime plus 1% will now be at 5.00%. If you have questions about the rate increase and impact to your plan, please contact your Client Service Manager.

About the Prime Rate

The prime rate is the interest rate that commercial banks charge their most credit-worthy customers. The prime interest rate, or prime lending rate, is largely determined by the federal funds rate, which is the overnight rate that banks use to lend to one another. For individual borrowers, the prime rate directly affects the lending rates available for a mortgage, small business loan or personal loan (including a loan from a 401(k) account. Prior to this week, the last prime rate increase was in March of 2022.

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Security Information

JULY takes the safety of your confidential information seriously and uses a variety of security controls to ensure your information is protected. Below are some of the ways we protect your information.

  • Login Process: JULY utilizes complex password requirements for accessing retirement plan accounts. JULY enhances security further by requiring multi-factor authentication utilizing a one-time PIN sent to a phone number or email address on record before accessing accounts.
  • Safeguards: JULY monitors login activity and locks accounts after five unsuccessful login attempts. Website sessions are timed out after a period of inactivity.
  • Web Browsing: JULY’s websites use Transport Layer Security/Secure Sockets Layer (TLS/SSL) to help keep your information confidential and encrypted while you interact with our secure websites.
  • Secure Communication: JULY verifies the identify of callers and scans outgoing emails to identify secure information such as Social Security Numbers and encrypts these emails to ensure safe delivery.
  • Trained Staff: JULY’s employees complete security awareness courses to better equip them to identify security risks.
  • Internal Reviews: JULY performs weekly vulnerability scans and quarterly security audits of systems.
  • Independent Audits: JULY completes two independent audits of security and operational controls annually and performs quarterly internal audits of security controls.
  • To Report Possible Fraud: Please contact us at 888.333.5859, Option 1, or email us at to report possible fraud in your account.

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