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Library of Congress Federal Credit Union: Better BANKING for Less.

ROUTING NO. 254074837

CALL 202.707.5852 OR 800.325.2328

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Savings Specials

"Just wanted to let you know I opened a LCFCU account in response to the 2008 financial meltdown and Capital One's subsequent takeover of Chevy Chase Bank. Now Capital One has taken over ING Direct where I had $18,000 in savings. You will also be getting this money very shortly. What's in my wallet? My local LCFCU I'm proud to say!"

D.M., Member Since October 2011

Share Savings Account

Help Your Money Grow

Bank 24/7

Manage Your Accounts 24/7/365 Wherever you Live, Work or Travel

Opening a Share Savings account establishes the account holder as a member of Library of Congress Federal Credit Union.

  • Open a Share Savings account with a $5 one-time fee and a $5 minimum deposit
  • Apply online or visit the branch
  • Competitive dividends help savings grow
  • Provides overdraft protection with automatic transfer to LCFCU checking when needed
  • Share Savings balance can be used as security for a loan
  • Credit Unions are non-profit institutions wholly owned by their member depositors. We exist only to serve our members with low cost products and services and loans and investment products with competitive rates.

Savings Calculator Helps Plan for Achieving Financial Goals


Club Accounts

club savings

Holiday, Vacation and Special Savings Accounts

Saving up for holiday expenses, vacations, tuition and other large purchases helps avoid piling up credit card debt. LCFCU makes it easy to save:

  • Payroll deductions make saving automatic
  • Flexible withdrawal schedules for vacation accounts
  • Holiday account funds are automatically transferred into your checking or savings account once per year on the Thursday before Columbus Day
  • Open an account online or in the branch.

Monticello Society Elite Membership Benefits

Apply to Determine Eligibility

Enjoy free and discounted loans and services designed for members preparing for or living in retirement. Members are enrolled automatically when they meet eligibility requirements.

Eligibility requirements

  • Age 55 or older
  • LCFCU Checking Account with Visa Checkcard (debit/ATM service plus a recurring direct deposit or a combined savings balance of $50,000 in all savings accounts
  • Members are automatically enrolled when qualifications are met.

FREE Services in Addition to Free Checking with Dividends

  • Free high-quality personalized Monticello Society designer duplicate checks, when ordered one box at a time.
  • Free second checking account for special needs
  • Free 20 foreign ATM transactions per month
  • Free Point-of-Sale (POS) transactions
  • Free Travelers Cheques (single signature)
  • Free Money Orders
  • Free Signature Guarantees
  • Free incoming bank wires
  • Free postage-paid bank-by-mail envelopes, on request
  • Free $500 credit at settlement on any real estate loan, first, second or equity line of credit of at least $10,000
  • Special weekday appointment hours 7:00 a.m. to 3:30 p.m. on request.
  • Priority lobby service

Services Discounted 25%

Custom duplicate check styles with custom lettering, logos or enhancements, when ordered one box at a time

  • Stop payment requests
  • Visa Gift Cards purchased in our office
  • Domestic outbound wires (inbound wires are free)


Youth Accounts

Preparing children and young adults for secure financial futures.


Child Account (Birth through 12)

Open a Child Account Online

A fun approach to learning good savings practices for life. Child Account members benefit from free membership in LCFCU. Account applications are available online or in the branch; a social security number is required. With a minimum $5 deposit in a Child Account Savings Account members receive access to:

  • Share Savings Account
  • Holiday and Vacation Savings
  • Money Market Shares
  • Market-Yield Share Certificates
  • Custodial Accounts
  • No LCFCU membership fee

Young Adult Account (13 through age 21)

Open a Young Adult Account Online

Young Adult Account members have access to products and services that help prepare them for a lifetime of successful financial management. Membership applications are available online or in the branch; a social security number is required. Minimum deposit of $5 in a Young Adult Account Savings account is required to establish membership in LCFCU.

  • Personal ATM/CheckCard card with unlimited free ATM/POS transactions
  • Personal and vehicle loans
  • No annual-fee Visa card
  • Free package of 50 personalized checks per year
  • No LCFCU membership fee

Age restrictions may apply for some services.


Custodial Accounts

Open a Custodial Account

Custodial Accounts are offered under the D.C. Uniform Transfer to Minors Act designed for transferring funds as an irrevocable gift to a minor. The minor needs a tax identification number. This account is insured separately by the NCUA. The amount of this account is not added to the custodian's account or to the minor's individual account for insurance coverage calculations.


  • check out our RATES
  • apply for a LOAN
  • find convenient ATMs & BRANCHES
  • words from our MEMBERS
  • member SECURITY education


Library of Congress Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 202.707.5852 or 1.800.32.LCFCU (52328). All products and services available on this website are available at all Library of Congress Federal Credit Union branches.