Share Certificates

Hide your savings from yourself and watch it grow.
  • Maximize your savings 
  • Choose how long your money is deposited  
  • Save for the short-term, college expenses or retirement
  • Deposit $50 or $1,000 to start, depending on account

Treat your money well and it will return the favor when you lock in our Share Certificate savings rates.

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

New! Raise Your Rate Share Certificate Account

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

  • 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 online 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

VIEW RATES

Fixed Rate Share Certificate Account

Rates you can depend on

  • $1,000 minimum deposit required to open this account
  • Choose a term from six months to seven years
  • The unchanging rate delivers consistent returns over the certificate's full term

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Jumbo Fixed Rate Share Certificate Account

When you want to go big, choose this account

  • $10,000 minimum deposit required to open this account
  • Choose a term ranging from three to five years
  • Your dividend rate never changes over the term, delivering consistent yields
  • Start with a minimum $10,000 deposit and watch it flourish over the course of six months, five years, or somewhere in between

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Traditional, Educational and Roth IRA Fixed-Rate Certificate Accounts

Add a deeper shade of gold to your retirement years

  • With Traditional Independent Retirement Account (IRA) Certificates, you won't pay taxes on earnings until you withdraw money
  • Roth 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

  • $10,000 minimum deposit required to open this account
  • Choose a term ranging from three to five years
  • Your dividend rate never changes over the term, delivering consistent yields
  • Save for retirement or education-related expenses 

VIEW RATES

Generator Share Certificate Account

Flex your savings muscle 

  • If you're just starting out, you can open an account with as little as $50
  • Choose a term ranging from 12 to 36 months - with unlimited deposits
  • The Generator1 option lets you start building your savings with unlimited deposits 

VIEW RATES

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.