What are the current interest rates at Congressional Federal Credit Union?

Current rates for Congressional Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 4.00%, 60-Month CD: 4.00%, Savings: 0.15%, MMA: 1.70%

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Congressional Federal Credit Union

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Congressional Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Congressional Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Congressional Federal Credit Union's top rates as of October 12, 2026 are 6.00% APY on its Flexible Saver - 1 Year CD, 0.15% APY on savings, 1.70% APY on money market accounts, 0.05% APY on checking, personal loans from 6.69% APR, and credit cards from 11.65% APR, according to rates verified by MonitorBankRates. Other Congressional Federal Credit Union CD rates include 1 Year CD - Special Rate at 4.40%, 2 Year CD - Special Rate at 4.40%, and 3 Year CD - Special Rate at 4.40%. MonitorBankRates evaluates the financial stability of Congressional Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.63%. Rates last updated and verified on 10/12/2026.

Congressional Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Congressional Federal Credit Union? Share your experience about Congressional Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Congressional Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.63%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Congressional Federal Credit Union
Oakton

10461 White Granite Dr
Oakton, VA 22124

https://www.congressionalfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Congressional Federal Credit Union CD Rates

Product	Rate	APY	Term
Flexible Saver - 1 Year Certificate	5.83%	6.00%	1 year
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 6.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
1 Year Certificate - Special Rate	-	4.40%	1 year
Min Deposit $1,000 Details Special Rate (APY) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
2 Year Certificate - Special Rate	-	4.40%	2 years
Min Deposit $1,000 Details Special Rate (APY) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
3 Year Certificate - Special Rate	-	4.40%	3 years
Min Deposit $1,000 Details Special Rate (APY) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
4 Year Certificate - Special Rate	-	4.40%	4 years
Min Deposit $1,000 Details Special Rate (APY) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
5 Year Certificate - Special Rate	-	4.40%	5 years
Min Deposit $1,000 Details Special Rate (APY) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
2 Year Certificate	3.92%	4.00%	2 years
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 4, 20264.00%▲ from 3.60% Sep 20, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
3 Year Certificate	3.92%	4.00%	3 years
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 4, 20264.00%▲ from 3.60% Sep 20, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
4 Year Certificate	3.92%	4.00%	4 years
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 4, 20264.00%▲ from 3.60% Sep 20, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
5 Year Certificate	3.92%	4.00%	5 years
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 4, 20264.00%▲ from 3.65% Sep 20, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Jumbo - 2 Year Certificate	3.92%	4.00%	2 years
Min Deposit $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 4, 20264.00%▲ from 3.70% Sep 20, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Jumbo - 3 Year Certificate	3.92%	4.00%	3 years
Min Deposit $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 4, 20264.00%▲ from 3.70% Sep 20, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Jumbo - 1 Year Certificate	3.77%	3.85%	1 year
Min Deposit $100,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
1 Year Certificate	3.68%	3.75%	1 year
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Jumbo - 6 Month Certificate	3.53%	3.60%	6 months
Min Deposit $100,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
6 Month Certificate	3.44%	3.50%	6 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Jumbo - 90 Day Certificate	2.85%	2.90%	90 days
Min Deposit $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.15%	0.15%
Min Deposit $25 Min Balance $0 Details Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Membership, Second, Kids, Student Savings	0.15%	0.15%
Min Deposit $5 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.69%	1.70%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 & Over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	1.59%	1.60%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	1.59%	1.60%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000 - $249,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	1.14%	1.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	1.09%	1.10%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union Checking Rates

Product	Rate	APY	View More
Capitol Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Average daily balance to obtain rate/APY: $1,000; Fees could reduce earnings. See Fee Schedule for more information. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
5 Year Fixed Home Equity Loan	6.00%	-	6.048%	5 years
Details Rates effective as of 09/22/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Home Equity Line of Credit	7.25%	-	7.25%
Details Rates effective as of 09/22/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 25, 20267.25%▲ from 7.00% Sep 12, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loan	-	-	3.99%	Up to 36 months
Details As Low As; Minimum of $1,000 loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Used Car Loan	-	-	4.24%	Up to 36 months
Details As Low As; Minimum of $1,000 loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Vehicle Loans - Used Car	-	-	4.24%	Up to 36 months
Details As Low As; Used Car APR; Minimum of $1,000 loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New Car Loan	-	-	4.84%	37 - 48 months
Details As Low As; Minimum of $1,000 loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Used Car Loan	-	-	5.04%	37 - 48 months
Details As Low As; Minimum of $1,000 loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.04% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Vehicle Loans - Used Car	-	-	5.04%	37 - 48 months
Details As Low As; Used Car APR; Minimum of $1,000 loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New Car Loan	-	-	5.39%	49 - 60 months
Details As Low As; Minimum of $7,000 loan Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Used Car Loan	-	-	5.49%	49 - 60 months
Details As Low As; Minimum of $7,000 loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Vehicle Loans - Used Car	-	-	5.49%	49 - 60 months
Details As Low As; Used Car APR; Minimum of $7,000 loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New Car Loan	-	-	6.04%	61 - 72 months
Details As Low As; Minimum of $15,000 loan Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Vehicle Loans - Used Car	-	-	6.29%	61 - 72 months
Details As Low As; Used Car APR; Minimum of $15,000 loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New Car Loan	-	-	6.49%	73 - 84 months
Details As Low As; Minimum of $30,000 loan Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Vehicle Loans - Used Car	-	-	6.69%	73 - 84 months
Details As Low As; Used Car APR; Minimum of $30,000 loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	4.75%	Up to 36 months
Details As Low As; Up to 90% of Retail Value; $3,000 minimum loan; $20,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Used Motorcycle Loan	-	4.75%	Up to 36 months
Details As Low As; Up to 90% Average NADA Retail Value; $3,000 minimum loan; $20,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New Motorcycle Loan	-	5.25%	37 - 60 months
Details As Low As; Up to 90% of Retail Value; $10,000 minimum loan; $20,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Used Motorcycle Loan	-	5.25%	37 - 60 months
Details As Low As; Up to 90% Average NADA Retail Value; $10,000 minimum loan; $20,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New or Used Boat Loan	-	7.00%	Up to 60 months
Details As Low As; Purchases only; New boats up to 80% of the purchase price; Used boat values based on NADA Retail Value; Certified marine survey/preferred mortgage required for 26 - 100 feet; No minimum amount; $100,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New or Used RV Loan	-	7.00%	Up to 60 months
Details As Low As; Monthly Payment per $1000 Borrowed: $20.00; Up to 90% of Retail Value for new RVs; Up to 90% of NADA Used Retail Value for used RVs; No minimum amount; $100,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New or Used Boat Loan	-	7.50%	61 - 84 months
Details As Low As; Purchases only; New boats up to 80% of the purchase price; Used boat values based on NADA Retail Value; Certified marine survey/preferred mortgage required for 26 - 100 feet; $30,000 minimum loan; $100,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New or Used Boat Loan	-	8.00%	85 - 96 months
Details As Low As; Purchases only; New boats up to 80% of the purchase price; Used boat values based on NADA Retail Value; Certified marine survey/preferred mortgage required for 26 - 100 feet; $40,000 minimum loan; $100,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
New or Used RV Loan	-	8.00%	61 - 96 months
Details As Low As; Monthly Payment per $1000 Borrowed: $20.00 - $14.00; Up to 90% of Retail Value for new RVs; Up to 90% of NADA Used Retail Value for used RVs; $40,000 minimum loan; $100,000 maximum loan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Rate Saver	-	11.65%
Details As Low As; Credit lines from $3,000 to $50,000; No annual fee; Foreign transaction fee: 2.00% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Visa Signature Cash Rewards	-	15.65%
Details As Low As; Credit lines from $5,000 to $50,000; No annual fee; Foreign transaction fee: 2.00% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 15.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Visa Signature Premier Rewards	-	16.65%
Details As Low As; Credit lines from $5,000 to $50,000; No annual fee; No foreign transaction fee; Earn 1.25 points per $1 on every transaction Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 16.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	6.69%	73 - 84 months
Details As Low As; Minimum of $30,000 loan Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Personal Loans	8.49%	Up to 24 months
Details As Low As; $50,000 maximum loan amount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Personal Loans	9.49%	25 - 36 months
Details As Low As; $50,000 maximum loan amount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Personal Loans	10.49%	37 - 48 months
Details As Low As; $50,000 maximum loan amount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Personal Loans	11.49%	49 - 60 months
Details As Low As; $50,000 maximum loan amount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Personal Loans	11.99%	61 - 72 months
Details As Low As; $50,000 maximum loan amount; $20,000 minimum loan amount for 61-72 month term Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Visa Signature Cash Rewards	15.65%
Details As Low As; Credit lines from $5,000 to $50,000; No annual fee; Foreign transaction fee: 2.00% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 15.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
Visa Signature Premier Rewards	16.65%
Details As Low As; Credit lines from $5,000 to $50,000; No annual fee; No foreign transaction fee; Earn 1.25 points per $1 on every transaction Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 16.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Congressional Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Reserve Line of Credit	-	-	11.90%
Details Monthly Payment: 3% of outstanding balance at the end of each month, $25 minimum; Maximum amount is $50,000; Links to your checking account to provide overdraft protection or additional funds when you need them. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
IRA Daily	1.00%	-	1.00%
Details Balance: Up to $19,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
IRA Daily	1.14%	-	1.15%
Details Balance: $20,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
IRA Daily	1.49%	-	1.50%
Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%
IRA Daily	1.59%	-	1.60%
Details Balance: $100,000 & Over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Congressional Federal Credit Union’s Texas Ratio rose from 5.53% in Q3 2023 to 8.63% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	8.63%	5.0	A
March 31, 2026	$1.3B	4.81%	5.0	A+
December 31, 2025	$1.3B	6.63%	5.0	A
September 30, 2025	$1.3B	6.24%	5.0	A
June 30, 2025	$1.3B	5.71%	5.0	A+
March 31, 2025	$1.3B	5.15%	5.0	A+
December 31, 2024	$1.3B	6.74%	5.0	A
September 30, 2024	$1.2B	6.36%	5.0	A
June 30, 2024	$1.2B	6.59%	5.0	A
March 31, 2024	$1.2B	5.64%	5.0	A+
December 31, 2023	$1.2B	5.14%	5.0	A+
September 30, 2023	$1.2B	5.53%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Congressional Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Congressional Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Congressional Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Congressional Federal Credit Union

Website https://www.congressionalfcu.org

Address 10461 White Granite Dr, Oakton, VA 22124

Phone 703-934-8300

Fax 703-352-3452

President James Kaelin

CEO Tricia Szurgot

Full-Time Employees 148

Part-Time Employees 1

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.63%

Return on Assets (ROA)

0.3999%

Return on Equity (ROE)

3.6223%

Non-Performing Loans Ratio (NPL)

1.62%

Total Assets

1,290,142,974

Total Amount of Shares and Deposits

1,145,293,013

Total Shares and Deposits < 1 Year

1,079,420,560

Total Shares and Deposits 1 3 Years

55,943,000

Total Shares and Deposits > 3 Years

9,929,453

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

178,217,716

Total Uninsured Shares and Deposits > $250K (F+J)

178,217,716

Total Insured Shares and Deposits > $250K (item 17 less item K)

967,075,297

Total Interest Expense (Sum of items 6 8)

7,952,580

Share Certificates

6,092

Number of Accounts for Share Drafts

40,418

IRA KEOGH Accounts

2,246

Number of Accounts for Regular Shares

58,414

All other shares

3,860

Money Market Shares

8,586

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

69,169,643

Total Liabilities

1,155,776,120

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Congressional Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Congressional Federal Credit Union

How many branches does Congressional Federal Credit Union operate?

Congressional Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Congressional Federal Credit Union?

Yes, to access services at Congressional Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Congressional Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Congressional Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Congressional Federal Credit Union offer online and mobile banking?

Most modern institutions like Congressional Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.congressionalfcu.org.

Current Congressional Federal Credit Union Rates

12-Month CD3.75%
24-Month CD4.00%
60-Month CD4.00%
Savings0.15%
MMA1.70%

Retrieved from our database of financial products. Rates subject to change.

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Congressional Federal Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Congressional Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Congressional Federal Credit Union

How many branches does Congressional Federal Credit Union operate?

Is a member application needed to join Congressional Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Congressional Federal Credit Union offer online and mobile banking?

Current Congressional Federal Credit Union Rates

Compare to Other Credit Unions