Library of Congress FCU is currently offering competitive certificate rates on all terms. Their CD yields range from 4.00% APY for a 3-month term to 4.70% APY for 60-month term. The minimum deposit required is $500. Traditional, Roth, SEP and Education IRA certificate rates are 10 basis points higher. Below is the full list of CD rates:

Term        CD APY  IRA CD APY
3 months    4.00%      -
6 months    4.10%      -
12 months   4.20%    4.30%
18 months   4.30%    4.40%
24 months   4.40%    4.50%
36 months   4.50%    4.60%
48 months   4.60%    4.70%
60 months   4.70%    4.80%

The credit union also has a competitive money market account that currently pays 3.50% APY for balances over $20K and 3.25% APY for balances between $2.5K and $20K. The minimum balance to avoid monthly fees is $2,500. The credit union provides 25 free checks per year with this account.

In addition to employees and volunteers of the Libary of Congress, membership is open to anyone who lives, works, worships or attends school in Washington, DC. Membership requires a $5 fee and a minimum $5 deposit into your share savings account.