Share Certificates

Watch your savings grow as you earn money with a share certificate.

Important Information For Opening A New Share Certificate

If you would like to open a new Share Certificate account with money not already at Andrews Federal, you must first transfer your new money to your Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.

NEW! 75th Anniversary Farewell Salute Certificate

Earn 5.25 APY* for 7.5 Months

  • With our Black Friday Share Certificate Special, you can earn 5.25% APY* for 7.5 months
  • For a limited time, earn 11x the national savings rate
  • $1,000 minimum balance required to open your account
  • Open your Share Certificate easily in Digital Banking or in a branch

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12-Month Share Certificate

Earn 5.00 APY* for 12 Months

  • Give your money a year to grow on – and earn a great rate! 
  • Earn a market-leading 5.00% APY* on a 12-Month Share Certificate
  • Lock in a great rate and feel confident of your earnings 
  • Easy 12-month term 
  • $1,000 minimum balance required within 10 calendar days after the account is opened online
  • Open your account easily in Digital Banking, or roll over funds from another maturing Share Certificate

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Raise Your Rate Share Certificate

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 message in Digital Banking to request a rate increase 
  • Terms range from two to four years 
  • $1,000 minimum balance required within 10 calendar days after the account is opened online 
  • Open your account easily in Digital Banking

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Fixed Rate Share Certificates

Rates you can depend on

  • $1,000 minimum balance required within 10 calendar days after online account opening 
  • 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 Certificates

When you want to go big, choose this account

  • $10,000 minimum balance required within 10 calendar days after online account opening 
  • Choose a term ranging from three to five years
  • Your dividend rate never changes over the term, delivering consistent yields
  • Start with $10,000 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 Certificates

Add a deeper shade of gold to your retirement years

  • With Traditional 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 

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Jumbo Traditional, Educational and Roth IRA Fixed-Rate Certificates

Make major plans for the future

  • $10,000 minimum balance required within 10 calendar days after online account opening 
  • 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 

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Generator Share Certificates

Flex your savings muscle 

  • The perfect account if you are just starting your savings journey
  • Choose a term ranging from 12 to 36 months - with unlimited deposits
  • The Generator1 option lets you start building your savings with unlimited deposits 

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STILL HAVE QUESTIONS?

When you open a Share Certificate, you can open it with a zero balance. You then have 10 days to fund your account. Click here for more details about the Share Certificate funding process. 

You can send money from another institution to Andrews Federal by logging into your account with the other institution and submitting a request there. You cannot initiate a request from your Andrews Federal account to another institution. Click here for more details about the Share Certificate funding process. 

You have 10 days to fund your Share Certificate. If your account is not funded within 10 days, it will be automatically closed and you will need to restart the process. Click here for more details about Share Certificate funding. 

Rewarding Checking

Kasasa Cash Checking
We’re always looking for ways to give you more. That includes our outstanding checking options powered by Kasasa. With Kasasa Cash Checking, you can earn higher dividends on your checking account balances — up to 6.00% APY. And, you’ll continue to have access to all the best benefits that come standard with Andrews Federal membership, including Early Direct Deposit, mobile check deposits, Digital Banking access and more.