Andrews Federal Current Rates

Kasasa Cash Checking -  Rates are current as of  . Rates stated are variable and may change at any time. Must be a member of the credit union to open any deposit account. Membership eligibility required. To earn the 5.25% APY on balances up to $25,000, account qualifications must be met during the monthly cycle. Balances of $25,000.01 and over will earn 0.50% APY if all account qualifications are met during the monthly cycle. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. These transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card purchases processed by merchants and received by our credit union as Bill Payment transactions. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or maintain this account. A Kasasa Cash or Kasasa Cash Back account is first required in order to open a Kasasa Saver account. To automate transfer of checking account rewards for automatic savings, a linked Kasasa Saver account is required. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

To earn your monthly rewards, you must have met all the following qualifications for the month. View the QUALIFICATION PERIOD AND STATEMENT CYCLES.

High Yield Savings Account - Rates are current as of  . Rates stated are variable and may change at any time. Dividends are compounded and credited monthly. Rates may change at any time after account is opened. Must be a member of the credit union to open any deposit account. Membership eligibility required. No minimum balance, recurring monthly maintenance charges or fees to open or close this account. Maximum balance is $250,000. Excess transaction fee applies if you make more than six transfers or withdrawals from your High-Yield Savings Account in a calendar month. Only one (1) High-Yield Savings Account allowed per membership. Fees may reduce earnings. The Credit Union reserves the right to end this promotion early at its own discretion. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage

Online Savings Account - Rates are current as of  . Rates stated are variable and may change at any time. The Online Savings is a tiered, variable rate account. Rates may change at any time after the account is opened. Account is only offered to be opened through online or mobile banking. Dividends are credited and compounded monthly. If the average daily balance of the account exceeds $1,000, the remaining balance will be paid at the variable rate stated for the second tier. There is no minimum balance to open or maintain this account. Maximum balance is $250,000. Fees may reduce earnings on this account. Offered rates are subject to change at any time. The Credit Union reserves the right to end this promotion early at its own discretion. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Kasasa Saver Account - Rates are current as of  . Rates stated are variable and may change at any time. Must be a member of the credit union to open any deposit account. Membership eligibility required. Advertised 1.75% APY* available for balances up to $100,000. Balances below cap will earn 0.05% APY. A Kasasa Cash or Kasasa Cash Back account is first required in order to open a Kasasa Saver account. A Kasasa Saver account can be linked to a Kasasa Cash or Kasasa Cash Back account, to automate transfer of checking account rewards for automatic savings. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, and enrollment in online banking and e-statements are required for this account. These transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card purchases processed by merchants and received by our credit union as Bill Payment transactions. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

To earn your monthly rewards, you must have met all the following qualifications for the month. View the QUALIFICATION PERIOD AND STATEMENT CYCLES.

Base Share Savings - Rates effective as of  . Rates offered are subject to change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The Base Share Savings Account must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn the advertised APY. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Planner Savings Account - Rates effective as of  . Rates offered are subject to change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The Planners Savings Account must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn the advertised APY. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

IRA Savings Account - Rates effective as of  . Rates offered are subject to change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The IRA Savings Account must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn the advertised APY. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Holiday Club Account - Rates effective as of  . Rates offered are subject to change at any time. Fees may reduce earnings on the account. Holiday Club is a variable rate account with an annual maturity date of November 1st; your actual term will vary depending on open date of account. Upon maturity, funds will transfer automatically into your Base Share Savings account. No minimum balance to open or maintain account, and no minimum balance is required to earn the APY. Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage. 

Vacation Club Account - Rates effective as of  . Vacation Club is a variable rate account with an annual maturity date of May 1st; your actual term will vary depending on open date of account. Upon maturity, funds will transfer automatically into your Base Share Savings account. No minimum balance to open or maintain account, and no minimum balance is required to earn the APY. Dividends are compounded and credited quarterly. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Raise Your Rate Share Certificate - Rates effective as of  . Raise Your Rate Share Certificate offers up to a maximum of three (3) opportunities to request the Credit Union to “raise your rate” to the rate currently being offered on our Fixed Rate Share Certificate of the same term as published on our website (certificate specials are excluded). Your Raise Your Rate share certificate must be opened for a minimum of six (6) months before you may request your first rate raise. Once raised, your dividend rate and annual percentage yield will reflect the new rate until such time as you are eligible for, and request, another rate raise. You will have an opportunity to request up to a maximum of three (3) rate raises over the term of your share certificate, as long as six (6) months have passed since your last rate raise. If you do not exercise your rate raise option(s) during the term of the certificate, you forfeit your rate raise option(s). The certificate must be opened with a minimum $1,000 deposit; must maintain a minimum $1,000 balance to earn the advertised APY. Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings on the account.  Offered rates are subject to change at any time. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Fixed Rate Share Certificates - Rates effective as of  . APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The certificate must be opened with a minimum $1,000 deposit; must maintain a minimum $1,000 balance to earn the advertised APY. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Jumbo Fixed Rate Share Certificates - Rates effective as of  . APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Jumbo certificate must be opened with a minimum $10,000.00 deposit; must maintain a minimum $10,000.00 balance to earn the advertised Jumbo APY. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Traditional, Educational, and Roth IRA Share Certificates - Rates effective as of  . APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The certificate must be opened with a minimum $1,000 deposit; must maintain a minimum $1,000 balance to earn the advertised APY. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Jumbo Traditional, Educational, and Roth IRA Share Certificates - Rates effective as of  . APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Jumbo certificate must be opened with a minimum $10,000.00 deposit; must maintain a minimum $10,000.00 balance to earn the advertised Jumbo APY. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Generator Share Certificate - Rates effective as of  . APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Certificate must be opened with a minimum $50.00 deposit; must maintain a minimum $50.00 balance to earn the advertised APY. Deposits are allowed in branch, through automatic direct deposits, and online (as transfers from another share). Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Premium Money Market Account Rates - Rates are current as of December 18, 2025. Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly. Excess transaction fee applies if you make more than six transfers or withdrawals from your money market account in a calendar month.

Premium High-Yield Money Market Account Rates - Rates are current as of December 18, 2025. Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly. Excess transaction fee applies if you make more than six transfers or withdrawals from your money market account in a calendar month. 

All balances accrue interest at the variable APR (Annual Percentage Rate) in effect for your account. Variable rate is based on The Wall Street Journal Prime Rate plus a margin, adjusted quarterly. The annual percentage rate will not fall below 5.00% APR during the term of the line of credit. Subject to credit and property approval. Minimum loan amount is $5,000. Maximum loan amount will be based on the amount of equity available, based on the appraised value of your home, up to a maximum of $350,000. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Property insurance is, and flood insurance may be, required. Additional restrictions may apply. Rates and APRs are subject to change without notice.

*APR=Annual Percentage Rate.

We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Subject to credit and property approval. Closing costs vary and will depend on the location of the property and the amount of the loan. Property insurance is, and flood insurance may be, required. Additional restrictions may apply.

A new vehicle is defined as an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, for which you are the original owner. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles.

Financing is available for up to 120% of the J.D. Power/NADA value, including tags, title, taxes, and fees. Andrews Federal Credit Union does not finance commercial-use vehicles, including vehicles over one ton, flatbeds, or cab-and-chassis trucks. In addition, vehicles with salvage, bonded, or branded titles; lemon law buybacks; unknown or inaccurate mileage; odometer rollback or rollover; or a history of water, flood, or significant structural damage are not eligible for financing. Grey market vehicles, delivery vehicles, limousines, taxis, and other for-hire vehicles are also ineligible. Additional restrictions may apply. Andrews Federal Credit Union reserves the right to decline collateral based on internal evaluation criteria.

The minimum loan amount is $5,000, and the maximum loan amount is $150,000. Vehicles more than 10 model years old are not eligible for financing. The minimum loan amount is $15,000 for *72-month terms and $20,000 for **84-month terms. Vehicle weight and mileage restrictions apply. Payment examples exclude optional insurance products.

Existing Andrews Federal auto loans are not eligible for refinance at these rates or terms unless you borrow an additional $5,000 or more above the current loan balance.

A new vehicle is defined as an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, for which you are the original owner. Used vehicles include all pre-owned vehicles or vehicles with more than 7,500 miles.

Financing is available for up to 120% of the J.D. Power/NADA value, including tags, title, taxes, and fees. Andrews Federal Credit Union does not finance commercial-use vehicles, including vehicles over one ton, flatbeds, or cab-and-chassis trucks. In addition, vehicles with salvage, bonded, or branded titles; lemon law buybacks; unknown or inaccurate mileage; odometer rollback or rollover; or a history of water, flood, or significant structural damage are not eligible for financing. Grey market vehicles, delivery vehicles, limousines, taxis, and other for-hire vehicles are also ineligible. Additional restrictions may apply. Andrews Federal Credit Union reserves the right to decline collateral based on internal evaluation criteria.

The minimum loan amount is $5,000, and the maximum loan amount is $150,000. Vehicles more than 10 model years old are not eligible for financing. The minimum loan amount is $15,000 for *72-month terms and $20,000 for **84-month terms. Vehicle weight and mileage restrictions apply. Payment examples exclude optional insurance products.

Existing Andrews Federal auto loans are not eligible for refinance at these rates or terms unless you borrow an additional $5,000 or more above the current loan balance.

Harley Davidson Motorcycle Loans - A new Harley-Davidson motorcycle is defined as an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles and you as the original owner. Payment examples exclude optional insurance products. Minimum loan amount is $5,000; maximum is $150,000. Financing is available up to 120% of the MSRP or JD Power/NADA value, inclusive of tags, title, taxes, and fees. All loans are subject to credit and collateral approval. Payments per $1,000 are based on a sample loan balance requires a minimum loan amount of $20,000. $25,000 at the rate and term shown. Andrews Federal does not finance motorcycles more than 10 model years old. Minimum loan amounts are $15,000 for *72-month terms and $20,000 for **84-month terms.

New Motorcycle Loans (non Harley Davidson) - A new motorcycle is defined as an untitled, current- or prior-model-year motorcycle with fewer than 7,500 miles and you as the original owner. Payment examples exclude optional insurance products. Minimum loan amount is $5,000; maximum is $150,000. Financing is available up to 120% of the MSRP or JD Power/NADA value. All loans are subject to credit and collateral approval. Payments per $1,000 are based on a sample loan balance of $25,000 at the rate and term shown. Andrews Federal does not finance motorcycles more than 10 model years old. Minimum loan amounts are $15,000 for *72-month terms and $20,000 for **84-month terms.

Used Motorcycle Loans (non Harley Davidson) - Financing is available up to 120% of the MSRP or JD Power/NADA value, inclusive of tags, title, taxes, and fees. Payment examples exclude optional insurance products. Minimum loan amount is $5,000; maximum is $150,000. Existing Andrews Federal vehicle loans are not eligible for refinance at these rates or terms unless you are borrowing an additional $5,000 or more above the current loan balance. All loans are subject to credit and collateral approval. Payments per $1,000 are based on a sample loan balance of $25,000 at the rate and term shown. Andrews Federal does not finance motorcycles more than 10 model years old. Minimum loan amounts are $15,000 for *72-month terms and $20,000 for **84-month terms

New Recreational Vehicle Loans - Maximum financing is 120% of MSRP or JD Power or NADA retail value for eligible collateral, including new and used boats, motorcycles, all terrain vehicles, campers, travel trailers, and motor homes. Andrews Federal does not finance recreational vehicles more than 10 model years old. 

Definitions

•  Recreational Vehicles: Recreational boats, motor and trailer packages, motorcycles, all terrain vehicles eligible for Department of Motor Vehicle registration, campers, and travel trailers. 
•  Motor Homes: Must be self contained with climate control and include a built in stove, bed, toilet, and bath or shower. Collateral cannot be the borrower’s dwelling, household, or primary residence. Andrews Federal does not finance motor homes more than 10 model years old. 

Loan Terms

• Minimum loan amount: $5,000
• Maximum loan amount: $150,000 (motor homes financed up to 100% of MSRP or NADA value)
• Term: Minimum 60 months; maximum 144 months, based on amount financed

Used Recreational Vehicle Loans - Maximum financing is 120% of MSRP or JD Power or NADA retail value for eligible collateral, including new and used boats, motorcycles, all terrain vehicles, campers, travel trailers, and motor homes. Andrews Federal does not finance vehicles more than 10 model years old. 

Definitions

•  Recreational Vehicles: Recreational boats, motor and trailer packages, motorcycles, all terrain vehicles eligible for Department of Motor Vehicle registration, campers, and travel trailers. 
•  Motor Homes: A recreational vehicle must be self contained with climate control and include a built in stove, bed, toilet, and bath or shower. The collateral cannot be the borrower’s dwelling, household, or primary residence. 

Loan Terms

• Minimum loan amount: $5,000
• Maximum loan amount: $150,000 (motor homes financed up to 100% of MSRP or NADA value)
• Loan terms (motor homes): Minimum 60 months; maximum 144 months, based on amount financed

Personal Loan Rates - APRs listed are representative of what is currently offered as November 09, 2025. Other rates and terms are available. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Additional restrictions may apply. Subject to credit approval. Payments per $1000 examples are based on a sample loan balance of $10,000 at the rate and term shown. Existing Andrews Federal personal loans cannot be refinanced at the rates and terms shown unless you are financing an additional amount of $1000 or more plus the existing loan balance. Minimum personal loan amount of $500. Maximum personal loan amount of $50,000. For loan amounts less than $5,000, there is a 48-month maximum term. Personal loan terms greater than 72 months require a minimum loan amount of $10,000. For the lines of credit offered, the credit limit stated is the maximum credit limit offered.  Line of credit rates are variable and can change after opening.  

Overdraft Line of Credit - APRs listed are representative of what is currently offered as November 09, 2025. Other rates and terms are available. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Additional restrictions may apply. Subject to credit approval. For the lines of credit offered, the credit limit stated is the maximum credit limit offered.  Line of credit rates are variable and can change after opening.  

Premier Line of Credit - APRs listed are representative of what is currently offered as November 09, 2025. Other rates and terms are available. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Additional restrictions may apply. Subject to credit approval. For the lines of credit offered, the credit limit stated is the maximum credit limit offered.  Line of credit rates are variable and can change after opening.  

*APR=Annual Percentage Rate. We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account.

Additional Disclosures:

•  Titanium Rewards Disclosure 
•  Credit Card Agreement and Disclosure Statement 
•  SUPREME/TITANIUM REWARDS SIGNATURE SUPREME REWARDS SUPREME REWARDS SIGNATURE PLATINUM REWARDS SECURED Application and Solicitation Disclosure 
•  Visa Card Guide to Benefits Standard Protection Package 

Business Planning Savings Rates - Rates effective as of  . Rates offered are subject to change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The Business Planning Savings Account must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn the advertised APY. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.

Rates effective as of December 9, 2025.