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Credit union · NCUA insured

Library of Congress Federal Credit Union CD Rates

Top Carrot, Carrot Score 89Top Carrot

Library of Congress Federal Credit Union’s best CD rate is 4.47% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.

How Library of Congress Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Library of Congress Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 89

    This credit union’s best

    Library of Congress Federal Credit Union

    4.47%APY

    Term
    60 months
    Minimum
    $500
    Earns on $10,000
    $2,444

    Share Certificate

  • Top Carrot, Carrot Score 98

    Top rate

    Tower Federal Credit Union

    5.20%APY

    Term
    24 months
    Minimum
    $500
    Earns on $10,000
    $1,067

    Tower Federal Credit Union rates

  • Top Carrot, Carrot Score 97

    2nd-highest rate

    Apple FCU

    5.00%APY

    Term
    70 months
    Minimum
    $500
    Earns on $10,000
    $3,292

    Apple FCU rates

Compare CD rates near you →

Library of Congress Federal Credit Union CD score

96

CD score

Higher than 98% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.06%
  • 9–15 months9–15 mo4.22%
  • 16–30 months16–30 mo4.39%
  • 31–60 months31–60 mo4.47%
  • QualifiedQualified4.47%

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.

How the score works →

Where Library of Congress 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.

Who can join Library of Congress Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of AARP who work in, or are paid or supervised from Washington, D.C. are eligible to join.
  • Members and employees of American Booksellers Association in Harrison, NY who qualify in accordance with its charter and bylaws are eligible to join.
  • Voting members and employees of the American Library Association are eligible to join.
  • Employees of Strategic Partner organizations or companies are eligible to join.

Military, government and schools

  • Employees of the Institute of Museum & Library Services who work in, or are paid or supervised from Washington, D.C. are eligible to join.
  • Employees of the Library of Congress and other Federal employees in the Library of Congress building are eligible to join.
5 more ways to join

Military, government and schools

  • Contractors who work for the Library of Congress are eligible to join.
  • Employees of the Office of Compliance who work in Washington, D.C. are eligible to join.
  • Employees of the Supreme Court of the United States who work in or are paid or supervised from Washington, D.C. are eligible to join.

Family and household

  • Family members (including spouse, parents, grandparents, grandchildren, and other family members) and people maintaining a single economic unit (such as domestic partners, roommates, and legal guardian relationships) with eligible employees are eligible to join.

Other ways

  • Employees, unit owners, and residents of The Forum Condominium in North Bethesda, MD are eligible to join.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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