Deposit Rates


Advantage Share Draft (Checking) Account¹Rates Effective 5/1/2013
Minimum to Earn APY	Dividend Rate²	Annual Percentage Yield (APY)
$5,000	0.10%	0.10%
¹May require minimum deposit to open. ²Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly.


Savings (Share) AccountRates Effective 5/1/2013
Minimum to Open	Minimum to Earn APY	Dividend Rate¹	Annual Percentage Yield (APY)
$5	$100	0.39%	0.40%
¹Rates may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly.


Money Market AccountsRates Effective 5/1/2013
Minimum to Open	Minimum to Earn APY	Dividend Rate¹	Annual Percentage Yield (APY)
$1,000	$150,000 and more	0.50%	0.50%
$1,000	$100,000 - 149,999.99	0.45%	0.45%
$1,000	$75,000 - 99,999.99	0.35%	0.35%
$1,000	$50,000 - 74,999.99	0.35%	0.35%
$1,000	$25,000 - 49,999.99	0.30%	0.30%
$1,000	$10,000 - 24,999.99	0.30%	0.30%
$1,000	$1,000 - 9,999.99	0.10%	0.10%
$1,000	$.01 - 999.99	0.10%	0.10%
¹Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly.


Fixed Rate Share CertificateRates Effective 5/1/2013
Term	Minimum to Open	Dividend Rate¹	Annual Percentage Yield (APY)
6-month	$1,000	0.55%	0.55%
12-Month	$1,000	0.85%	0.85%
18-Month	$1,000	1.00%	1.00%
24-Month	$1,000	1.10%	1.11%
36-month	$1,000	1.40%	1.41%
48-month	$1,000	1.70%	1.71%
60-month	$1,000	1.90%	1.91%
¹Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. The stated rate will be paid until first maturity.


First Step Variable Rate CertificateRates Effective 5/1/2013
Term	Minimum to Open¹	Minimum Monthly Deposit	Dividend Rate²	Annual Percentage Yield (APY)
12-Month	$25	$25	0.59%	0.60%
¹Deposits must be funds not previously held at Andrews Federal. ²Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly.


Traditional, Roth IRA and ESA AccountsRates Effective 5/1/2013
	Minimum to Open	Minimum to Earn APY	Dividend Rate¹	Annual Percentage Yield (APY)
Traditional IRA (Share) Savings	$5	$100	0.39%²	0.40%
Coverdell ESA (Share) Savings	$5	$100	0.39%²	0.40%
Traditional IRA Money Market	$100	$150,000 and more	0.50%³	0.50%
		$100,000 - $149,999.99	0.45%	0.45%
		$75,000 - 99,999.99	0.35%	0.35%
		$50,000 - 74,999.99	0.35%	0.35%
		$25,000 - 49,999.99	0.30%	0.30%
		$10,000-24,999.99	0.30%	0.30%
		$1,000 - 9,999.99	0.10%	0.10%
		$.01 - 999.99	0.10%	0.10%
Roth IRA Money Market	$100	$150,000 and more	0.50%	0.50%
		$100,000 - $149,999.99	0.45%³	0.45%
		$75,000 - 99,999.99	0.35%	0.35%
		$50,000 - 74,999.99	0.35%	0.35%
		$25,000 - 49,999.99	0.30%	0.30%
		$10,000 - 24,999.99	0.30%	0.30%
		$1,000 - 9,999.99	0.10%	0.10%
		$.01 - 999.99	0.10%	0.10%
¹Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. ²Dividends are compounded and credited quarterly. ³Dividends are compounded and credited monthly.


Traditional, Educational and Roth IRA Fixed Rate CertificatesRates Effective 5/1/2013
Term	Minimum to Open	Dividend Rate¹	Annual Percentage Yield (APY)
6-month	$1,000	0.55%	0.55%
12-Month	$1,000	0.85%	0.85%
18-Month	$1,000	1.00%	1.00%
24-Month	$1,000	1.10%	1.11%
36-month	$1,000	1.40%	1.41%
48-month	$1,000	1.70%	1.71%
60-month	$1,000	1.90%	1.91%
¹Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. The stated rate will be paid until first maturity.


First Step Variable Rate IRA and ESA CertificatesRates Effective 5/1/2013
	Minimum to Open¹	Minimum Monthly Deposit	Dividend Rate²	Annual Percentage Yield (APY)
12-Month Traditional IRA	$25	$25	0.59%	0.60%
12-Month Coverdell ESA	$25	$25	0.59%	0.60%
¹Deposits must be funds not previously held at Andrews Federal. ²Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly.