Share Certificates
Choose our share certificates when you want safety, security and guaranteed return. Choose from several terms, from 90 days to five years. For maximum flexibility, choose your exact maturity date. (Most certificates are also available as IRAs.)
- Fixed Rate Certificate. Your rate stays the same for the entire term.
- Adjustable Rate Certificate*. Bump up your rate one time during the term to take advantage of the current market rates.
- Jumbo Certificate. Earn a high, fixed rate with your minimum balance of $100,000.
- Flexible Saver Certificate*. This 1-year fixed certificate has a minimum balance of $100 and maximum of $1,000.
The first step to planning for the future is to start a savings plan now.
*APY = Annual Percentage Yield (5.13% Dividend Rate) as of 06/03/2024 for a limited time 9 month Certificate; subject to change at any time. New
Money required (funds not currently on deposit at Congressional FCU); minimum deposit of $1,000. Unless you notify us otherwise, at the end of
the term the 9 month Certificate will automatically renew as a 1 year certificate, at the rate in effect at that time. We may impose a penalty if you
withdraw any of the principal in your certificate before the maturity date. The penalty will be forfeiture of earned dividends. The principal amount
upon which earned dividends are forfeited is the amount withdrawn unless the amount withdrawn reduces the balance below the minimum balance
required for the certificate. In that event, the principal amount upon which earned dividends are forfeited is the entire amount of the certificate