Personal Savings Accounts

Save like never before
  • New options to help you save more
  • Launch your membership in our credit union
  • Competitive savings interest rates make your cash grow
  • Save for holidays, vacations, or special occasions
  • Get a tax break as you build your retirement fund

It all starts with that first deposit. Where it goes from there is up to you.

We're a big believer in the basics. A solid savings account is an important first step on your financial journey. First of all, it gets your foot in the door of our credit union. From there, the options are limitless; save for a house, a car, your own business, or whatever your heart desires.

Online Savings Account

Jumpstart your savings with a higher rate on your first $1,000

  • New special limited time offer now through October 18, 2022
  • Earn high dividends at competitive interest rates during the promotional period
  • No minimum balance to open
  • Compliments the base share savings account as an additional account
  • Must be opened through Digital Banking to qualify for the special rate
  • This is a tiered savings account that offers a higher promotional rate on the first $1,000

View the current rates.

Base Share Savings Account

Become a member

  • Open an account for $5 
  • It's easy to open an account online
  • Your savings account represents your share in Andrews Federal Credit Union
  • Access your accounts online, 24/7. Our mobile banking app is for that.

Planners' Savings Account

Earn dividend payments

  • Must have a Base Share Savings Account to open a Planners' Savings Account
  • An average daily balance of $100 is required to earn dividends in any month
  • Easy access to your account via Online Banking, Mobile App, and ATMs throughout Washington, D.C., Maryland, Northern Virginia, New Jersey and beyond

Individual Retirement Account (IRA)

Trust us, your future self will thank you

  • Get started with as little as $5 in your IRA
  • No account maintenance required - contribute whatever you can afford
  • An average daily balance of $100 is required to earn dividends in any month
  • Access to these accounts is restricted and U.S. Internal Revenue Service withdrawal and contribution limitations apply
  • Funds are insured for $250,000 by the National Credit Union Insurance Fund, an arm of the National Credit Union Administration

Roth IRA Savings Account

Watch your money grow tax-free and take withdrawals without penalty

Start saving for retirement at any age, as long as you have earned income

  • A retirement savings account that provides tax-free growth on your investments
  • Contribute up to $6,000 per year ($7,000 if you are over age 50)
  • Yearly contributions may not be deductible, but you can make withdrawals tax-free
  • Begin making withdrawals after 5 years of having an active Roth IRA and as early as age 59 ½ 
  • Otherwise, access to these accounts is restricted, IRS withdrawal and contribution limits apply
  • Funds are insured for $250,000 by the National Credit Union Insurance Fund, an arm of the National Credit Union Administration

Holiday Club Account

Don't let the holidays surprise you

  • Variable interest rate means your earnings could rise or fall over the course of the year
  • Your money will become available annually on November 1st, just in time for shopping season

Vacation Club Account

Save year-round for your next trip

  • Travel debt free after you've reached your savings goal
  • Schedule automatic transfers to secure your travel funds
  • Your money will become available every year on May 1st


Yes, similar to the way that FDIC insurance protects bank customers' deposits, the NCUA (National Credit Union Administration) protects credit union member deposits up to $250,000 for each individual depositor. For additional information about NCUA's share insurance, visit

Generally, no. However, we do reserve the right to limit the amount, type or frequency of withdrawals or transfers from any of your accounts. If we do impose such a limit, we will disclose such in our Truth in Savings disclosure, and/or at the time you attempt to make your withdrawal or transfer.

Our routing number is 255074111.

You will need two forms of state-issued identification, including one primary form such as a state-issued ID, Passport, and/or Military ID. The second form of identification can be a Social Security card, Student ID, Birth Certificate, Permanent Resident Card, Auto Insurance Card, and/or a Credit Card. If your state-issued identification does not have your current physical address, you will need to show proof of current address with another form of identification, such as current utility bill or current bank or mortgage statement.

You must retain a minimum of $5 in your base share savings account. 

To update your address, phone or email address, log into digital banking go to 'Settings', and then go to 'Manage Contact Info'.

You may visit any of our branch locations to complete the necessary paperwork. You may visit our IRA page under the "Savings" section of this website for an IRA beneficiary form.

To remove a joint owner, close the account and open a new one.

Raise Your Rate Share Certificate

Lock in a great rate (and the next one, too!)

Saving for something special? Let us help you reach your financial goal sooner with a Share Certificate. Earn dividends at a higher rate than a typical savings account. The larger your balance, the more you could earn.