Separating from Military

• Free 24-hour access to account information
• FREE Online Bill Pay
• Visa^® Check Card
• No per check fees
• A low initial deposit to open
• No monthly fee with Direct Deposit

• Check account balances
• Review account history
• Transfer funds
• Download transactions to Microsoft Money^® or Quicken^®
• And much more!

• Start or add to an emergency savings account
• Pay off high interest debt
• Maximize your IRA at Andrews Federal
• Start a college savings account for your children
• Begin or increase deposits to a systematic investment plan

• Avoid financial worries. Save 3-6 months of living expenses in an easily accessible account before you separate, to be used for emergencies. An Andrews Federal savings account or money market account is perfect because they provide quick access to your money while earning a competitive dividend.
• Review current expenses. Andrews Federal offers free, confidential counseling through the Balance® Financial Fitness program to help you develop a money management plan, prioritize debt, and determine options to make sure you have money for expenses while you transition to your new career.

• Invest for the future. Regularly saving even a small amount early in life secures your financial position when it’s time to buy a home or plan for retirement.
• Individual Retirement Accounts (IRAs). If you have assets in a Thrift Savings Plan (TSP), IRA, and employer-sponsored 401(k) or 403(b) plans, consider consolidating them with Andrews Federal for greater control and easier access. We offer a wide range of IRAs, making it easy to diversify or change investment strategies with just a phone call. Talk with an Andrew Federal member services representative to see which IRA is right for you.

• Customize your resume so it applies to the type of job you want.
• Network to learn about job opportunities, search the Internet for employment prospects, visit college career centers and libraries. Consider employment agencies and executive recruiters. Attend job fairs sponsored by your installation.
• Join military/veteran/professional organizations specific to your career.
• Consider working for a company/organization that provides services to the military community. Your military knowledge and experience could get you an interview.
• Jobs, careers, workshops, job fairs, support services, and educational and training opportunities are listed on the DoD Transition Bulletin Board (TBB). There’s also information on franchises and starting your own business. Sponsored by the Department of Defense, the bulletin board (Operation Transition) has want ads and useful information for separating/retiring military and federal civilian personnel and spouses.

• The National Guard and Reserve
• Federal employment. Complete an SF 171 or OF 612 application. For information on job opportunities and benefits, contact your local Civilian Personnel Office.
• Start a business. We assist with SBA guaranteed loans to help you start, grow or manage a business.
• Apply for employment at Andrews Federal. We serve personnel at Andrews and McGuire Air Force Bases; Military installations in central Germany, Belgium, and the Netherlands; and civilian members in Maryland, Washington, DC, and New Jersey.

• Breaking your lease. Tell your landlord right away about your move; a clause in your lease may allow you to break it under such circumstances, although 30 days written notice may be required.
• Making shipping arrangements. Check with your local Transportation Office for how much you can ship, which depends on your rank and number of dependents. Movers won’t ship combustible materials, explosives, perishables, or plants. Watch your weight limit closely because you’ll pay if you exceed your allowance.

• Visit our “Home Buying Coach.” for an interactive guide that walks you through finding and buying your dream home.
• CU Members Mortgage. CU Members Mortgage will help you find the right conventional or adjustable rate mortgage, VA or FHA loan, with a variety of terms and options to fit your budget. Call CU Members, 800.635.7128, for more information.
• SMARTMOVE® Relocation Services. SMARTMOVE provides real estate agents to Andrews Federal members all over the U.S., and gives you a cash rebate when buying or selling a home. For more information or to enroll, call 800.645.6560 or 703.359.1831, or go to www.smartmove.com/andrewsfcu. (Some restrictions apply. Program void where prohibited by law.)
• Home equity loans. Use our home equity loan to consolidate bills, add to or remodel your home, pay for tuition, and more, at a typically lower rate than with other loans. Home equity loan interest may be 100% tax deductible. (See your tax advisor on tax deductibility of interest.) Apply online, call 800.487.5500 or visit a branch.

• Auto Buying Coach. Our interactive guide offers you strategies for getting the best deal on a new or used vehicle. 
• New and used auto loans. Finance your vehicle with our great fixed–rate loans. Borrow up to 100% of the purchase price on a new can, van, or truck, or up to 100% of the NADA retail value on a used vehicle. Apply today.

Financial education resources
Find valuable educational-based financial information at our Education Center, including interactive tools on saving money, managing debt, protecting assets, planning for the future and more. And remember that Balance® Financial Fitness counselors, experts in personal finance and credit, are available to help you with money management, debt management, credit report review and housing education. To speak with a Balance counselor, call 888.456.2227, Mon.–Thur., 5am–8pm; Fri., 5am–5pm; and Sat., 8am–5pm, PST. Or email info@balancepro.org. Members outside the U.S. can call 0.800.187.5305.