Share Certificate Rates

New increased rates offer you more value and savings for your future.
  • Maximize your savings 
  • Choose how long your money is deposited  
  • Save for the short-term, college expenses or retirement
  • Deposit $50 or $1,000 to start, depending on account

The recipe for a nice payoff? Time + Money.

Some people have trouble making decisions. But with Share Certificates, there's no second-guessing, because you can't go wrong. Whether you choose to save for 6 months, 84 months, or somewhere in between, you're sure to come out ahead.

Share Certificates

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
6-month $1,000 0.50% 0.50%
12-month $1,000 0.65% 0.65%
24-month $1,000 1.30% 1.30%
36-month $1,000 1.35% 1.35%
48-month $1,000 1.45% 1.45%
60-month $1,000 1.55% 1.55%
84-month $1,000 0.30% 0.30%

IRA Share Certificates

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
36-month $1,000 1.35% 1.35%
48-month $1,000 1.45% 1.45%
60-month $1,000 1.55% 1.55%
72-month $1,000 0.25% 0.25%
84-month $1,000 0.30% 0.30%

Jumbo Share Certificates

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
6-month $10,000 0.50% 0.50%
12-month $10,000 0.65% 0.65%
24-month $10,000 1.30% 1.30%
36-month $10,000 1.35% 1.35%
48-month $10,000 1.45% 1.45%
60-month $10,000 1.55% 1.55%

Jumbo IRA Share Certificates

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
36-month $10,000 1.35% 1.35%
48-month $10,000 1.45% 1.45%
60-month $10,000 1.55% 1.55%

Generator Share Certificates

Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
The Generator6 12 months $50 0.05% 0.05%
The Generator6 24 months $50 0.05% 0.05%
The Generator6 36 months $50 0.10% 0.10%

Military Soar to Save Share Certificate7

Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
Military Soar to Save Share Certificate 3 months $1,000 3.941% 4.00%

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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.