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.
Jumbo Certificate. Earn a high, fixed rate with your minimum balance of $100,000.
Flexible Saver.¹ 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.

Limited time • October 20–31

11-Month No Penalty Certificate

Earn 4.19% APY* for 11 months with no penalty if you withdraw early. Open your certificate between October 20 and 31 using new money from outside Congressional Federal. Enjoy guaranteed growth and the freedom to access your funds anytime.

4.19% APY*

Standard

Open with as little as $1,000 in new money

4.33% APY*

Jumbo

$100,000+ in new money

Offer window

October 20–31, 2025 (12 days only)

Eligibility

New money only; available to new and existing members.

At maturity

Automatically renews as a 1-Year Certificate.

Open a Certificate Starts Soon Opens October 20

*APY = Annual Percentage Yield. Annual Percentage Yields of 4.19% (standard) and 4.33% (Jumbo) are effective as of 10/13/2025 and available for a limited-time 11-Month Certificate. Offer valid for account openings funded with new money (funds not currently on deposit at Congressional Federal) from October 20, 2025 through October 31, 2025; subject to change at any time without notice. Minimum deposit of $1,000 required for standard rate; minimum deposit of $100,000 required for Jumbo rate. Interest compounds monthly. No early withdrawal penalty applies; however, fees could reduce earnings. At maturity, unless you notify us otherwise, the 11-Month Certificate will automatically renew as a 1-Year Certificate at the rate in effect at that time.

Our Best Products

Flexible Saver
Only $100 to Open!

Only $100 to open! 1 Year Certificate, maximum balance of $1,000. Dividend rates at 3.68% with an APY** of 3.75%.

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