Credit union · NCUA insured
Congressional Federal Credit Union Savings Rates
Top CarrotCongressional Federal Credit Union’s best savings rate is 1.10% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Congressional Federal Credit Union’s savings 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
1.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $110
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Congressional Federal Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.60%
- QualifiedQualified1.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.10%APY
No monthly fees. No monthly balance requirements. Minimum to open is $2,500. Can be used as overdraft protection for Congressional checking account. Transaction limitations apply (up to 6 transfers/withdrawals per month). Dividends calculated by average daily balance method, compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Average daily balance to obtain rate/APY: Up to $2,499. Minimum amount to open: $2,500. | 1.00% | — | Average daily balance to obtain rate/APY: Up to $2,499. Minimum amount to open: $2,500. |
| $2,500 – $9,999Average daily balance to obtain rate/APY: $2,500 - $9,999. Minimum amount to open: $2,500. | 1.00% | — | Average daily balance to obtain rate/APY: $2,500 - $9,999. Minimum amount to open: $2,500. |
| $10,000 – $24,999Average daily balance to obtain rate/APY: $10,000 - $24,999. Minimum amount to open: $2,500. | 1.10% | $110 | Average daily balance to obtain rate/APY: $10,000 - $24,999. Minimum amount to open: $2,500. |
| $25,000 – $49,999Average daily balance to obtain rate/APY: $25,000 - $49,999. Minimum amount to open: $2,500. | 1.15% | — | Average daily balance to obtain rate/APY: $25,000 - $49,999. Minimum amount to open: $2,500. |
| $50,000 – $74,999Average daily balance to obtain rate/APY: $50,000 - $74,999. Minimum amount to open: $2,500. | 1.50% | — | Average daily balance to obtain rate/APY: $50,000 - $74,999. Minimum amount to open: $2,500. |
| $75,000 – $99,999Average daily balance to obtain rate/APY: $75,000 - $99,999. Minimum amount to open: $2,500. | 1.50% | — | Average daily balance to obtain rate/APY: $75,000 - $99,999. Minimum amount to open: $2,500. |
| $100,000 – $149,999Average daily balance to obtain rate/APY: $100,000 - $149,999. Minimum amount to open: $2,500. | 1.60% | — | Average daily balance to obtain rate/APY: $100,000 - $149,999. Minimum amount to open: $2,500. |
| $150,000 – $249,999Average daily balance to obtain rate/APY: $150,000 - $249,999. Minimum amount to open: $2,500. | 1.60% | — | Average daily balance to obtain rate/APY: $150,000 - $249,999. Minimum amount to open: $2,500. |
| $250,000 and upAverage daily balance to obtain rate/APY: $250,000 & Over. Minimum amount to open: $2,500. | 1.70% | — | Average daily balance to obtain rate/APY: $250,000 & Over. Minimum amount to open: $2,500. |
Membership Savings
0.15%APY
Requires maintaining a $5 minimum balance. Congressional Federal Credit Union membership required. Earns dividends; allows applying for loans and opening additional accounts. NCUA insured up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (3)
- congressionalfcu.org/accounts/savings/share-rates
- congressionalfcu.org/accounts/savings
- congressionalfcu.org/docs/defa…DFs/truth-in-savings.pdf
All captured Oct 22, 2026
Savings
0.15%APY
Also available for children as regular savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 22, 2026
Second Savings
0.15%APY
NCUA insured up to $250,000. Congressional Federal Credit Union membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate effective as of 10/22/2026. $5 minimum to open. $0 daily balance required to obtain rate.Any balance | 0.15% | $15 | Rate effective as of 10/22/2026. $5 minimum to open. $0 daily balance required to obtain rate. |
Sources (3)
- congressionalfcu.org/accounts/savings/share-rates
- congressionalfcu.org/accounts/savings
- congressionalfcu.org/docs/defa…DFs/truth-in-savings.pdf
All captured Oct 22, 2026
Special-purpose accounts
IRA Daily
1.00%APY
IRA savings account. Dividends calculated by daily balance method. Additional deposits permitted.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $19,999 | 1.00% | $100 |
| $20,000 – $49,999 | 1.15% | — |
| $50,000 – $99,999 | 1.50% | — |
| $100,000 and up | 1.60% | — |
Sources (2)
- congressionalfcu.org/accounts/savings/share-rates
- congressionalfcu.org/docs/defa…DFs/truth-in-savings.pdf
All captured Oct 22, 2026
Congressional Kids
0.15%APY
For children 12 years of age and under. Must be opened as a joint account with a parent or guardian. Earns dividends on every dollar in the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 22, 2026
Holiday Club
0.15%APY
After minimum deposit of $25, funds are transferred automatically into account each month. On November 1st, funds are transferred into Congressional savings account. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 22, 2026
Student Savings
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- congressionalfcu.org/accounts/savings/share-rates · captured Oct 22, 2026
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.