Share Certificates

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If you have a little more to invest and can commit funds for a fixed period, you’ll earn higher dividends with our fixed-rate Share Certificates. We have various terms ranging from 6 months all the way to 60 months, so you can create a custom savings plan to meet very specific goals.

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.

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 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.

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.