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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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LCFCU Better Deal than a Dealer Loan

"We bought a new car and saved $200 per month in payments instead of going with the dealer loan and we saved time by doing all online."

D.B., Member Since 1972

Other Loans

Loan discounts

Our Easy to Use Loans and/or Borrow Against Assets in LCFCU

Line-of-Credit - Write Yourself a Loan

We offer a Line-of-Credit that lets you write yourself a loan as needed, including providing overdraft protection.

Apply Now

  • Revolving line-of-credit up to $10,000
  • Low variable rate more affordable than retail credit card rates; tied to three-year US Treasury Security issue, adjusted quarterly
  • No annual fee
  • No transfer fee
  • Simple interest financing with no prepayment penalties
  • Line-of-Credit Loans only transfers the exact amount needed to cover an overdraft
  • Get cash around the world at any participating ATM up to your line of credit amount (subject to daily ATM withdrawal policy)


Share and Certificate-Secured Loans

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Keep your savings intact; borrow against your LCFCU savings account balance and your LCFCU share certificates at our low rates.

  • LCFCU's lowest loan rate (3.00% above the rate of the secured share or certificate account)
  • Up to 60 months to repay
  • Loan is secured by funds on deposit in the savings account or in share certificates
  • No prepayment penalties
  • Calculate your loan amount


FHA Home Improvement Loans

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  • Borrow up to $7,500
  • Payback terms from 36 to 60 months
  • Make home improvements with a low rate loan instead of running up higher rate credit card balances
  • Calculate your loan amount


401(K) Distribution Bridge Loans

Contact us and ask for specific details.



  • 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.