Personal Savings Accounts

Kick-start your financial future.
  • Launch your membership in our credit union
  • Competitive 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.

Base Share Savings

Become a member

  • Open an account for $5 at one of our branches or online
  • Your savings account represents your share in Andrews Federal
  • Download our app for 24/7 access to your accounts
  • Only six electronic withdrawals permitted per month on your account (unlimited access through in-person visits at our branches)

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
  • Only six electronic withdrawals permitted per month on account (unlimited access through in-person visits at our branches)

IRA Savings Account

Trust us, your future self will thank you

  • Get started with as little as $5
  • 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

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, Regulation D (Reg D) is a federal regulation that limits transactions from Savings and/or Money Market accounts to 6 transactions per month. 

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

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 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

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