Credit union · NCUA insured
Congressional Federal Credit Union CD Rates
Top CarrotCongressional Federal Credit Union’s best CD rate is 6.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Congressional Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Congressional Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Congressional Federal Credit Union
4.40%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $440
Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Congressional Federal Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Congressional Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Flexible Saver Share Certificate
6.00%APY · 1 term
Congressional Federal Credit Union membership required. Limited to one Flexible Saver Share Certificate per membership. Additional deposits allowed anytime during the term up to the maximum balance limit. Adjustable rate option not available. Fees and early withdrawal penalty may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance of $100 required to open and earn stated APY; maximum balance is $1,000 | 6.00% | — |
Share Certificate
Up to 4.40%APY · 6 terms
Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 12 monthsSpecial Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal | 4.40% | $440 |
| 24 months | 4.00% | $816 |
| 24 monthsSpecial Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal | 4.40% | $899 |
| 36 months | 4.00% | $1,249 |
| 36 monthsSpecial Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal | 4.40% | $1,379 |
| 48 months | 4.00% | $1,699 |
| 48 monthsSpecial Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal | 4.40% | $1,880 |
| 60 months | 4.00% | $2,167 |
| 60 monthsSpecial Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal | 4.40% | $2,402 |
Jumbo Share Certificate
Up to 4.00%APY · 5 terms
Congressional Federal Credit Union membership required. Earn a high fixed rate with balances of $100,000 or more. Adjustable rate option not available. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.90% | — |
| 6 months | 3.60% | — |
| 12 months | 3.85% | — |
| 24 months | 4.00% | — |
| 24 monthsSpecial Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union) and minimum to open of $100,000 for Jumbo Share Certificates. Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal | 4.00% | — |
| 36 months | 4.00% | — |
| 36 monthsSpecial Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union) and minimum to open of $100,000 for Jumbo Share Certificates. Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal | 4.00% | — |
Who can join Congressional Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.