Share Certificates

Fight rising inflation costs with a competitive interest rate Share Certificate Account

Important Information For Opening A New Share Certificate

Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal Credit Union checking or savings account. Learn more about important information for new members, existing members, and transfer options.

17-Month Winter Share Certificate Special Offer

Extend the life of your savings with a 17-Month Winter Share Certificate Special Offer

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Raise Your Rate Share Certificate Account

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

  • Read this first! Learn more about important information for new members, existing members and transfer options.
  • Get today’s best dividend rate on the Raise Your Rate Share Certificate
  • Boost your rate once every six months; if rates go up, your earnings can too! 
  • You can raise your rate 3x during the term of this Share Certificate
  • Send us a secure message in Digital Banking to request a rate increase 
  • Terms range from two to four years 
  • $1,000 minimum balance required to open your account 
  • Open your account easily in Digital Banking

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Fixed Rate Share Certificate Accounts

Rates you can depend on

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Jumbo Fixed Rate Share Certificate Accounts

When you want to go big, choose this account

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Traditional, Educational and Roth IRA Fixed-Rate Certificate Accounts

Add a deeper shade of gold to your retirement years

  • Read this first! Learn more about important information for new members, existing members and transfer options.
  • With Traditional Individual Retirement Account (IRA) Certificates, you won't pay taxes on earnings until you withdraw money
  • Roth Individual Retirement Account (IRA) Certificates allow deposits and earnings to grow tax-free
  • Open an Educational Certificate (Coverdell Education Savings Account) to save specifically for education-related expenses 
  • Consult your local Washington, D.C., Maryland, Virginia or New Jersey tax advisor for specific details about tax advantages and account requirements
  • These various certificates are structured to deliver growth when you plant a minimum $1,000 deposit

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Jumbo Traditional, Educational and Roth IRA Fixed-Rate Certificate Accounts

Make major plans for the future

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Generator Share Certificate Accounts

Flex your savings muscle 

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17-Month Winter Share Certificate Special Offer

Move your money and earn more!

Move your money to a Share Certificate and you'll earn more on your money with higher dividend rates. Our Winter Share Certificate special offer gives you 4.05% APY* for 17-months with $1,000 minimum to open the account.