Choose a share certificate when you want safety, security, and a guaranteed return. Select from several terms, from 90 days to five years. For maximum flexibility, choose your exact maturity date. Most certificates are also available as IRAs.
Available for a limited time
Lock in 4.00% APY† for up to 5 years on your savings certificate when you open with $1,000 or more in new money.‡
Some financial decisions feel good the moment you make them. Locking in 4.00% APY is one of them. Choose your term. Regular savings certificates are available in 2, 3, 4, and 5-year terms. Jumbo certificates are available in 2 and 3-year terms.
Your rate stays the same for the entire term, providing predictable and reliable growth.
Earn a high fixed rate with balances of $100,000 or more.
This 1-year fixed certificate has a minimum balance of $100 and maximum of $1,000.
Opening a share certificate is simple. Members can get started right away, and new members can begin with a quick membership application.
Open your certificate now in online banking, or call 703-934-8300 to speak with a team member or visit a branch.
Start by opening your Congressional membership account. Once established, you can open a certificate in online banking, by phone, or at a branch.
1 Rates may change after account opening.
**APY = Annual Percentage Yield. APY is subject to change without notice. Penalty may be imposed for early withdrawal; fees could reduce earnings. Minimum balance to earn dividends varies between share certificates. Most certificates are available as IRAs. †4.00% Annual Percentage Yield (APY) is available for a limited time on 24-month, 36-month, 48-month, and 60-month Regular Share Certificates and 24-month and 36-month Jumbo Share Certificates opened with at least $1,000 of new money. The minimum to open a Regular Share Certificate is $1,000, The minimum to open a Jumbo Share Certificate is $100,000. Rates are accurate as of June 15, 2026 and are subject to change. Existing certificates renewing at maturity are eligible for the 4.00% APY only when the qualifying new money minimum of $1,000 is met at the time of renewal. At maturity, certificates will be handled per the member's instructions. If no instructions are provided, funds will be transferred to the member's base share savings account. Congressional Federal Credit Union membership required. A penalty will be imposed for early withdrawal. Offer subject to change at any time without notice. ‡New money is defined as funds not currently on deposit at Congressional Federal Credit Union.