Ready to serve. Ready to solve. Ready for you.
  • An experience that is about more than just money
  • We're here to support you regardless of where you are in your financial journey
  • Pay less for money you borrow and earn more on your savings
  • Committed to keeping fees minimal so you have more money in your pocket

What we do for our members is never routine.

We're not your average "big bank." Unlike many others, we’re not out to make money for ourselves. In fact, we’re a not-for-profit cooperative whose goal is to provide world-class service to our members and the communities in which they live.

Reasons to Join

We're here to help you along your financial journey at every turn.

  • We're a not-for-profit, so earnings are returned to members as lower loan rates, higher interest paid on deposits, and reduced fees.
  • When you join us, you become a part-owner with an equal vote to elect members of the Board of Directors that governs us.
  • Become part of a service-oriented community institution. We sponsor, host, and volunteer at many events, including the Annual Cherry Blossom Ten-Mile Run, and the S.H.A.P.E. International Basketball Tournament.
  • We annually donate $20,000 to scholarship winners and $5,000 to summer camp scholarships.
  • Take advantage of free financial education webinars to help you make informed decisions about the next steps in your life.

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Eligibility Requirements

You are eligible to join us if you are at least 18 years of age1, and one of the following applies to you:

  1. You are employed by or a member of one of our Employer Groups.
  2. You live, work, attend school, or worship in Washington, D.C.
  3. You are or wish to be a member of the American Consumer Council.
  4. You are an immediate family or household member2 of an existing Andrews Federal member.
  5. You are U.S. Active Duty or U.S. Retired Military Personnel (or their spouses, dependents or dependent survivors) assigned to, or eligible to and are currently receiving benefits or services on a regular basis from Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst.
  6. Civilian personnel of U.S. Military units (or their dependents or dependent survivors) who work at or are assigned to Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst.
  7. Active Duty U.S. Military or Civilian personnel (or their dependents or dependent survivors) of the Department of Defense who have a valid Uniformed Services Identification and Privilege Card and who are authorized logistical support in accordance with the appropriate host nation Status of Forces Agreement, and who have a work or residential address within Andrews' assigned geographical territory, consisting of areas in: the Netherlands, Belgium, and northern and central Germany.
  8. You qualify based on your affiliation with specific Military Installations.

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American Consumer Council Information

Become a member by joining the American Consumer Council (ACC)

The good news is that you can become a member of Andrews Federal even if you don’t live or work in Washington, D.C., or are stationed at or employed by Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst. Here’s how to join:

  • Join the American Consumer Council (ACC), a non-profit membership organization dedicated to consumer education, advocacy and financial literacy.
  • Visit the American Consumer Council website to start your ACC membership
  • Remember to use the membership code "Andrews" to receive a free ACC membership
  • After you have joined the ACC, and received an ACC membership number, you're eligible to join Andrews Federal.
  • Return to to complete your Andrews Federal membership.
  • You'll need your ACC membership number to open a new account.



Our routing number is 255074111.

Go here to learn more about our eligibility requirements.

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.

Yes, Privilege Pay is our overdraft program that is offered at our discretion and allows you to withdraw more than your account balance for a short period of time in order to cover unexpected emergencies. In essence, we advance you the money you need to pay for the items by allowing your account balance to go temporarily negative.  We charge you a $32.00 fee for each item cleared in this manner, although there is a cap to how much your account will be charged in Privilege Pay fees ($224.00/day and $750/month). We also offer an Overdraft Line of Credit, which is a loan product that is linked to your checking account and will automatically transfer available funds to cover any insufficient funds items that are presented for payment.  Each such transfer to your checking is an advance against your Line of Credit and increases your loan balance.  While there are no fees for the transfers themselves, you will pay interest on any outstanding Line of Credit balances.  If you pay off the Line of Credit balance on the same day that it is advanced, you will not be charged any interest.

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.

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.

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.

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.