Ready to serve. Ready to solve. Ready for you.
  • Resources to save money and earn money
  • More rewards, more earnings, lower rates and fees
  • Digital tools to make managing finances simpler
  • Support and service on your financial journey

Serving Those Who Serve - Supporting Our Communities

We got our start serving the military. We are proud to serve and support our valiant military families, and we have expanded to provide financial services to our communities in Maryland, Washington, D.C., Virginia and New Jersey.

What Makes Andrews Federal Different?

  • As a not-for-profit credit union, Andrews Federal shares earnings with members. Members received $12 million in direct member benefits last year (higher dividend rates on savings, checking rewards, lower loan rates and lower fees).
  • We give back to our members through sponsorships, college scholarships, Summer Camp Awards Program, and many other charitable activies supporting our military and civilian communities and their families.
  • We are committed to member service and to being a true partner on your financial journey.

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Membership Eligibility

You can qualify and become a member of Andrews Federal if you are at least 18 years old and:

Active Duty or Retired U.S. Military affiliated with Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst

If you are assigned to JBA or JBMDL or are receiving services/benefits from either base, you and your spouse, dependent, dependent survivors qualify for membership.

A Civilian affiliated with Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst

Spouses, dependents and surviving dependents of affiliated civilians can qualify as well.

An immediate family or household member of a current Andrews Federal member

Immediate family means you are a spouse, child, sibling, parent, grandparent, or grandchild of an existing member, or you live in the same household as an existing member.

A person who lives, works, attends school or worships in Washington, D.C.

Anyone connected to the D.C. area is eligible for membership with Andrews Federal. 

A member of an Employer Group

If your employer chooses to provide credit union membership as a benefit of your employment, you can join! View the full list of Employer Groups.

Active Duty or Civilian Personnel where we serve overseas

You must have a work or residential address within Andrews Federal’s assigned geographical territory in the Netherlands, Belgium, or northern and central Germany.

American Consumer Council

You can also join Andrews Federal through membership in the American Consumer Council.

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Join Through the American Consumer Council (ACC)

The American Consumer Council (ACC), a non-profit membership organization dedicated to consumer education, advocacy and financial literacy. Membership in ACC gives you access to membership at Andrews Federal. It' quick and easy to join Andrews Federal online through the American Consumer Council - it takes about 10 minutes to unlock a wealth of financial products and services! Get started: 

  1. Visit the American Consumer Council website to start your ACC membership. Use the code ANDREWS to receive ACC membership for free.
  2. You'll need:
    1. Your Social Security number
    2. Your home address
    3. A driver’s license or government ID
    4. A way to fund your account (banking account and routing number from another institution or a credit/debit card)
  3. Once you receive your membership number from ACC, then you can use it at to complete your Andrews Federal membership.



Our routing number is 255074111.

Members may obtain 1 free Official Check per day. Any additional Official Checks are $5.00 each.

Members may cash in coins at any one of our branch locations.

Our employer groups include:

  • Active Military; Joint Base MDL
  • Active Military; Overseas (Netherlands, Belgium, Germany)
  • Adams-Burch Inc.; Tuxedo MD
  • Agape Christian Fellowship Church; Burlington NJ
  • Allentown Apartment Employees
  • Allstate Invest
  • American Consumer Council (ACC)
  • American Legion #248
  • American Legion #259
  • Andrews Federal Board Member/Volunteer
  • Andrews Federal Employees
  • Andrews Federal Tenants; Suitland MD
  • Andy Stern's Office Mart; Rockville MD
  • Antenna Research Associates; Rockville, MD
  • Atlantic Mechanical Systems; Cinnaminson NJ
  • Atlantic Medical Imaging; Mt.Laurel NJ
  • Attends school in D.C. (DC Charter)
  • B & B Security Consultants; Washington DC
  • Bendix
  • Benelli USA; Accokeek MD
  • Beretta USA Corporation; Accokeek MD
  • Beulah Baptist Church; Washington DC
  • Beverly National Cemetery; Beverly NJ
  • BOD/Volunteer Family Member
  • Boy Scouts of America
  • Brown & Company; Arlington VA
  • Burlington Coat Factory; Burlington NJ
  • Burlington Coat Factory; Washington, D.C.
  • Burlington County Municipal; Burlington NJ
  • Burlington Military Affairs Committee; Mt. Holly NJ
  • Burlington OB/GYN Association
  • Car Center of Waldorf; Waldorf MD
  • Car-Life Enterprises Inc; LaPlata MD
  • Chaney Enterprises; Waldorf MD
  • Checkmart
  • Cherry Hill Chamber of Commerce; Cherry Hill NJ
  • Christ Kingdom Church; Bowie MD
  • Christ Redeemer Catholic Church; Mt. Holly NJ
  • Christian Unity Baptist Church; Waldorf MD
  • Church of the Great Commission; Camp Springs MD
  • City of Newark Employees; Newark NJ
  • City of Seat Pleasant; Seat Pleasant, MD
  • Civilian Family
  • Civilian or DoD; Joint Base MDL
  • Clinton Healthcare; Clinton, MD
  • Colony South Hotel; Clinton MD
  • Comcast; Captiol Heights MD
  • Comcast; Lanham MD
  • Comcast; Largo MD
  • Comcast; Silver Spring MD
  • Comcast; Waldorf MD
  • Cream O'land Dairy; Florence NJ
  • Cutting Edge Barber Shop; Brown Mills NJ
  • D.R. White Realtors; Haddon Heights, NJ
  • Darcars
  • Disabled American Veterans
  • Doctors On Sight; Waldorf MD
  • Ebenezer AME Church; Fort Washington MD
  • Epilepsy Foundation of NJ; Trenton NJ
  • EXIT Buyers Plus Realty; Burlington NJ.
  • Facilities Plus
  • Fairfax Medical Laboratories Inc; Fairfax VA
  • Family Member (of current member, DC branches)
  • Family Member (of current member, MD branches)
  • Family Member (of current member, NJ branches)
  • First Light Home Care; Springfield, VA
  • First Priority Tours Inc; District Heights MD
  • Forestville Health & Rehabilitation Center; Forestville MD
  • Fort Washington Health & Rehabilitation Center; Fort Washington MD
  • Freedom Way Missionary Baptist Church; Capitol Heights MD
  • Fulcrum International Inc.; Landover MD
  • Gardner Shugart Middle School PTSA; Temple Hills MD
  • Gaylord National Resort & Convention Center; Oxon Hill MD
  • Goodwin House; Alexandria VA
  • Goodyear Auto
  • Gospel of Christ Ministries Inc; Mt Holly NJ
  • Government Movers; Brentwood MD
  • Graham Packaging Company; Bordentown NJ
  • Greater Mt. Nebo AME Church; Bowie MD
  • Greater Trenton Community Mental Health Center; Trenton NJ
  • Heads Up; Washington DC
  • Henson Valley Montessori School; Temple Hills MD
  • Hope Christian Church; Bowie MD
  • IKON  Office Solutions; Alexandria VA
  • Impressions Physical Therapy; Camp Springs, MD
  • In Programs of Mercer County; Lawrence Township NJ
  • International Free Pentecostal Church; Willingboro NJ
  • International House of Pancakes; Forestville MD
  • International House of Pancakes; Temple Hills MD
  • International House of Pancakes; Waldorf MD
  • IOF
  • J & E Associates Inc; Silver Spring MD
  • Janjer Enterprises Inc; Silver Spring MD
  • JC Penney; Springfield VA
  • Jerusalem AME Church; Clinton MD
  • John Koons III Inc; Marlow Heights MD
  • Joseph Philips Green; Fort Washington MD
  • Kelly H.V.A.C. Inc; Upper Marlboro MD
  • Ken Dixon Chevrolet-Buick; Waldorf MD
  • Knights Protective Service; Capitol Heights MD
  • Kohl's Department Store; Bowie MD
  • Kohl's Department Store; Severna Park MD
  • Kohl's Department Store; Waldorf MD
  • Kohl's Department Store; Westhampton NJ
  • Laurel Lincoln Mercury
  • Liberty Square Plaza; Burlington NJ
  • Liberty Tax Service;Waldorf, MD
  • Lincoln Tech
  • Lives in D.C. (DC Charter)
  • Living Word Bible Fellowship; Upper Marlboro MD
  • Marine Corps Aviation Association; Quantico VA
  • Marion Catholic Club; Cherry Hill NJ
  • Marlboro Meadows Baptist Church; Upper Marlboro MD
  • Marshall's Funeral Home
  • Maryland Orthopedic Rehab Service
  • Mature Focus
  • Maximus; Landover MD
  • MBS, Inc.; Forestville, MD
  • Military
  • Military - Enlisted
  • Military - Officers
  • Military Travel Corp
  • Miller Ford/Subaru; Mt. Holly NJ
  • Montgomery Wards
  • Morgan Bus Tours Inc; Upper Marlboro MD
  • Mount Holly Sewage Authority; Mt. Holly NJ
  • Mt. Victory Baptist Church; Seat Pleasant MD
  • Nation Auto of Marlow Heights; Temple Hills MD
  • National Association of Pediatric Nurse Practitioners; Cherry Hil l NJ
  • Naval Communication Unit
  • New Chapel Baptist Church & Christian Academy;Camp Springs MD
  • New Jersey Air National Guard
  • New Jersey Army National Guard
  • New Jersey Association of Corrections; Trenton NJ
  • New Jersey Department of Defense; Fort Dix NJ
  • New Jersey Mature Focus
  • New Jersey State Employees (Lisbon); New Lisbon NJ
  • New Jersey State Employees (Mercer Co.); Mercer County NJ
  • New Lisbon Development Center, New Jersey
  • Northern Virginia Temp
  • Noslot Cleaning Service; Waldorf MD
  • Nova Medical Specialties/B. Braun Med; Cherry Hill NJ
  • Old Navy; Waldorf MD
  • Orange Hunt Estates Civic Assoc; Springfield, VA
  • Ourisman Inc.
  • Passport Nissan
  • Pepsi Cola; Cheverly MD
  • Petco Waldorf; Waldorf MD
  • Prince George's County Bar Association
  • Prince Georges Chamber of Commerce; Lanham MD
  • Prince Georges County Association of Realtors; Landover MD
  • Princeton Elementary School; Camp Springs MD
  • Quality Child Care Inc; Oxon Hill MD
  • Radio Tech Commission
  • Retired Military;  Overseas (Netherlands, Belgium, Germany)
  • Retired Military; Joint Base MDL
  • Rimtec Corporation; Burlington NJ
  • Rogers Refrigeration; Marlow Heights MD
  • Sally Beauty Supply
  • Sam's Club, Landvoer
  • Sam's Club; Delran NJ
  • Sam's Club; Waldorf MD
  • Sanford-Brown Institute; Landover MD
  • Sawyer Realty Holdings; College Park, MD
  • Seed of Righteousness Child Care Development Ctr; Camp Springs MD
  • ServiceMaster NCR; Alexandria, VA
  • Shalom Ministries Christian Center; Fort Washington MD
  • Sheehy Ford; Suitland, MD
  • Singleton & Bardowski; Washington DC
  • So Others Might Eat; Washington DC
  • Social Security Administration; Camp Springs MD
  • Somerset Prep; Washington, DC
  • Southern Management Corporation; Vienna VA
  • Southern Maryland Association of Realtors
  • Southern Maryland Hospital; Clinton MD
  • Spirit of God Deliverance Church; Temple Hills MD
  • St. Ann's Infant and Maternity Home; Hyattsville MD
  • St. Lawrence Rehabilitation Center; Lawrenceville NJ
  • St. Luke Institute
  • Starlight Medical
  • Tech Education Center
  • The Association of  the Severely Handicapped (TASH); Washington DC
  • The Sanctuary at Kingdom Square; Capitol Heights MD
  • Time Bridge Tech
  • Trenton Psychiatric Hospital; Trenton NJ
  • Trentonian Inc; Tenton NJ
  • Tri-County Youth Services Bureau Inc; Waldorf MD
  • Trifax Corporation
  • U.S. Bankruptcy Court; Trenton NJ
  • U.S. Postal Service; Burlington NJ
  • Union Bethel AME Church Bethel House & Focus; Brandywine, MD
  • United Association of Cosmotological Enterprises; Suitland MD
  • United Cerebral Palsy Associations of NJ; Trenton NJ
  • United Janitorial Service
  • United States Soldiers and Airmen Home; Washington DC
  • US Department of Defense
  • Vinson Hall Corporation; McLean VA
  • Visions Hair Salon; Mt Laurel, NJ
  • Wal-Mart; Clinton MD
  • Waldorf Dodge; Waldorf MD
  • Waldorf Ford; Waldorf MD
  • Waldorf Toyota
  • Washington Homes; Landover MD
  • Washington Sports & Entertainment; Landover MD
  • Way of Life Church
  • White Plains Community
  • Whitehall Square Apartments
  • Works in D.C. (DC Charter)
  • Worships in D.C. (DC Charter)
  • YMCA of Burlington County; Mt. Laurel NJ
  • Zip Mailing Services; Landover MD
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. 

Yes, at our Maryland branch locations only.

Yes, through the CO-OP Shared Branch Network, Andrews Federal members will be able to complete some of the same transactions as if they were at an Andrews Federal branch. Guest members from other credit unions may access their accounts at our military base locations only. We have suspended service for non-Andrews credit union members at all other branch locations.

Credit unions and banks are both financial institutions but there are significant differences in how they are operated. Banks are owned by shareholders. Their Boards of Directors are paid employees. They are for-profit institutions. Credit Unions are owned by their members and their Boards are volunteer. They are non-profit which means any profits made are returned back to the member in the form of lower rates and fees.

We award ten $2,000 college scholarships and ten $500 Summer Camp Awards annually. Applications for these programs are typically accepted in the first quarter of each year.

We exchange foreign currency at our overseas locations.

You may visit any of our branches, along with proof of name change. Such as marriage certificate, SSN card, or government issued document. You may also send a secure message through digital banking and a representative will review and follow up with you shortly.

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Andrews Federal members received over $12 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.