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Routing Number: 254074345

Share Certificates

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.

Special Savings Rate

Available For A Limited Time

4.40% APY

Open a savings certificate with $1,000 or more in new money and earn 4.40% APY for your full term, guaranteed from the day you open it. IRA options available.

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Certificate typesRegular & Jumbo
Regular terms12–60 months
Jumbo terms12–36 months
Minimum new money$1,000
NCUA insuredUp to $250,000

Fixed Rate Certificate

Your rate stays the same for the entire term, providing predictable and reliable growth.

Jumbo Certificate

Earn a high fixed rate with balances of $100,000 or more.

Flexible Saver

6.00% APY*

Flexible Saver is built for getting started. Open with just $100, keep adding to it throughout the term, and grow toward your first certificate milestone. IRA options available.

Open a Flexible Saver
Minimum to open$100
Additional depositsAllowed anytime
Term1 year
Maximum balance$1,000
LimitOne Flexible Saver per member
 

Growth Starts Here

Opening a share certificate is simple. Members can get started right away, and new members can begin with a quick membership application.

 

Members

Open your certificate now in online banking, or call 703-934-8300 to speak with a team member or visit a branch.

Open in Online Banking

New Members

Start by opening your Congressional membership account. Once established, you can open a certificate in online banking, by phone, or at a branch.

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*6.00% Annual Percentage Yield (APY) on the 1-year Flexible Saver Share Certificate is accurate as of August 3, 2026, and subject to change. A minimum balance of $100 is required to open the certificate and earn the stated APY. Maximum balance is $1,000. Limited to one Flexible Saver Share Certificate per membership. Fees, including the penalty imposed for early withdrawal, may reduce earnings. IRA certificates are eligible for the promotional rate. Congressional Federal Credit Union membership required. 

**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.

4.40% Annual Percentage Yield (APY) is accurate as of August 3, 2026, and subject to change without notice. The rate applies to new 12, 24, 36, 48, and 60-month Regular Share Certificates and new 12, 24, and 36-month Jumbo Share Certificates opened with at least $1,000 in new money, defined as funds not currently on deposit at Congressional Federal Credit Union. Minimum to open: $1,000 for Regular Share Certificates, $100,000 for Jumbo Share Certificates. Existing certificates renewing at maturity qualify for the promotional rate only if the new money minimum is met at renewal. At maturity, certificates renew automatically at the then-current rate unless the member instructs otherwise, including a transfer to base share savings. A penalty applies for early withdrawal. Congressional Federal Credit Union membership required. IRA certificates are eligible for the promotional rate.