zhu is commonly used as Verb and using in the initial of a whole sentence. I would recommend you not definate it as "congratulate" but "wish or hope", for expample: zhu ni sheng ri kuai le! (hapaay birthsday to you!) zhu ni cheng gong!(Wish you success!)
zhu he can be considered as both wish and congratulate, no difference with zhu. ie: zhu he ni sheng ri kuai le! zhu he ni cheng gong!
The key difference between those two words is zhu he can be used as N. ie: re lie de zhu he (Warmly Congratulation! )