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Savings Rates

Strengthen your financing foundation with solid rates.

Build for the future

Whether you’re saving for the short term or the long run, our savings account rates can help you reach your magic number. Find the account that fits your needs and create something great.

Base Share Savings2

Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY)
$5 $100 0.050% 0.05%
 
2APY = Annual Percentage Yield. Rates effective as of September 21, 2022. 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 Savings3

Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY)
$0 $100 0.050% 0.05%
 
3APY = Annual Percentage Yield. Rates effective as of September 21, 2022. 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 Savings4

Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY)
$0 $100 0.050% 0.05%
 
4APY = Annual Percentage Yield. Rates effective as of September 21, 2022. 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 Club5

Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY)
$0 $0 0.050% 0.05%
 
5APY = Annual Percentage Yield. Rates effective as of September 21, 2022. 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 Club6

Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY)
$0 $0 0.050% 0.05%
 
6APY = Annual Percentage Yield. Rates effective as of September 21, 2022. 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.

Rates to strengthen your savings

Special Limited-Time Only Online Savings Account1

Compliments the base share savings account as an additional account.

Dividend Rate Tiers Dividend Rate Annual Percentage Yield (APY)
$.01 - 1,000.00 4.906% 5.00%
$1,000.01 and greater 0.050% 4.91% - 0.07%

1The Online Savings is no longer offered to new accounts and is a tiered, variable rate account. Rates may change at any time after the account is opened. 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 maintain this account. Maximum balance is $250,000. Fees may reduce earnings on this account. Offered rates are subject to change at any time. This product was offered through October 18, 2022; however, the Credit Union reserved 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.

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Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey, as well as overseas locations in the Netherlands, Belgium and Germany.