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Routing Number: 254074345

Get the right card for right now—and the future.


The Thrive card by Congressional Federal can help you start making things happen—and keep you on track when life happens. 

A card that grows with you.

  • Starting limit increases after 12 months based on on-time payments
  • After two years, we'll review your account for a possible upgrade 
  • Exclusive access to online learning content, educational newsletters and incentives designed to empower and reward you on your financial journey

No surprises:

  • Fixed APR of 13.99%
  • Missed payments? There's no penalty APR for that.

Fees 5x lower than the average credit card*.

We’re here to keep you on track, not trip you up.

Industry standard:
Late payment: $29 late fee and possible APR interest increase

Thrive Card:

First late payment: $5 late fee
Second late payment: $15 late fee
Late payment fee goes back down to $5 after six months of on-time payments 

Convenience Features:

  • Contactless payments for quick, safe, secure purchases
  • Add your Thrive card to Apple Pay, Google Pay, and Samsung Pay
Apply Now!

Verified by Visa is the new way to enjoy added security for all your online Visa card purchases. Through our secure authentication process, your identity is protected and confirmed, with your personal password, each time you purchase at a participating merchant site. With Verified by Visa, you can be assured that using your Visa card on the Web is just as safe as using it a local merchant around town.

Register your credit card with Verified by Visa.

Visa Application and Solicitation Disclosure

Additional Security: Register to receive Visa® Alerts for your CFCU Credit Card

Register to receive Visa® Alerts for your CFCU Debit Card

Fraud Alerts: Register to receive automated real-time fraud alerts for your CFCU Visa Credit Card

*The industry standard late fee ($29) is 5.8 x more than Thrive by Congressional Federal Credit Union’s fee for first late payment ($5).