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Routing Number: 254074345

Loan Rates

AAA

Other loan Rates

Rates effective as of 2/1/2025

Visa

Loan TypeAPR1 Monthly PaymentNotes
Visa® Signature Premier Rewardsas low as 17.40%3% of balance, $15 minimum- Credit lines from $5,000 to $50,000
- No annual fee
- No foreign transaction fee
- Earn 1.25 points per $1 on every transaction.
Visa® Signature Cash Rewardsas low as 16.40%3% of balance, $15 minimum- Credit lines from $5,000 to $50,000
- No annual fee
- Foreign transaction fee: 2.00%
Visa® Platinum Rate Saveras low as 12.40%3% of balance, $15 minimum- Credit lines from $3,000 to $50,000
- No annual fee
- Foreign transaction fee: 2.00%

Secured Loans

Loan TypeAPR1 Monthly PaymentNotes
Secured by Share CertificateDividend Rate +3% fixedA demand note to the maturity dateUp to 75% of the initial deposit in the certificate
Secured by SharesBase dividend rate +3% variableUp to 144 months $25 minimumUp to 100% of collected shares on deposit

Reserve Line of credit

Loan TypeAPRMonthly PaymentNotes
Reserve Line of Credit11.90%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.

Personal loans Rates

Rates effective as of 2/01/2023

Personal Loans

APR1TermMonthly Payment per $1000 BorrowedNotes
As low as 7.99%Up to 24 months$46.00- $50,000 maximum loan amount
As low as 8.99%25 - 36 months$44.00 - $32.00- $50,000 maximum loan amount
As low as 9.99%37 - 48 months$32.00 - $26.00- $50,000 maximum loan amount
As low as 10.99%49 - 60 months$26.00 - $22.00- $50,000 maximum loan amount
As low as 11.49%61 - 72 months$22.00 - $20.00- $50,000 maximum loan amount
- $20,000 minimum loan amount for 61-72 month term

Mortgages Rates

Rates effective as of 01/07/2025
 Loan TypeRateAPR
Home Equity Installment Loan5.750%5.798%
7 Year Adjustable Portfolio6.000%6.614%
Home Equity Line of Credit7.000%7.000%
5 Year Fixed Home Equity Loan5.750%5.798%

For Mortgage, First Trust, Home Equity Loan or Line of Credit and Second Trust, call our Real Estate Department. Rates are posted daily at www.congressionalfcu.mortgagewebcenter.com. 

 

1APR = Annual Percentage Rate. Annual Percentage Rates are based on an evaluation of credit history, so your rate may differ. Rates, terms and conditions are subject to change at any time and may vary based on creditworthiness, qualifications and collateral conditions. Not all applicants will qualify for the lowest rate, longest repayment term or maximum loan amount.

2To be eligible for this rate, member must purchase his/her next automobile using the Congressional Federal Car Buying Service powered by TrueCar and obtaining a TrueCar Certificate which must be presented at the time of the loan. Used car values based on NADA Clean Retail Value. For more information and conditions, contact us.

 

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