Share Certificate Rates

Share Certificates offer you more value and savings for your future.
  • Sometimes life's decisions are hard. Not in this case. 
  • Choose from Share Certificates that offer a variety of rates and terms.
  • Earn our best rate this summer with 5.00% APY on a 12-Month Share Certificate

The recipe for a nice payoff? Time + Money.

Some people have trouble making decisions. But with Share Certificates, there's no second-guessing needed, because you can't go wrong. Whether you choose to save for 6 months, 60 months, or somewhere in between, you're sure to come out way ahead with our above-average rates.

Raise Your Rate Share Certificate2

Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
24 - month $1,000 4.232% 4.30%
36 - Month $1,000 4.135% 4.20%
48 - Month $1,000 3.893% 3.95%

Fixed Rate Share Certificates3

Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
6-month $1,000 3.260% 3.30%
12-month $1,000 4.909% 5.00%
24-month $1,000 4.232% 4.30%
36-month $1,000 4.135% 4.20%
48-month $1,000 3.893% 3.95%
60-month $1,000 3.844% 3.90%
84-month $1,000 0.300% 0.30%

Jumbo Fixed Rate Share Certificates4

Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
6-month $10,000 3.309% 3.35%
12-month $10,000 4.957% 5.05%
24-month $10,000 4.281% 4.35%
36-month $10,000 4.184% 4.25%
48-month $10,000 3.941% 4.00%
60-month $10,000 3.893% 3.95%

Traditional, Educational, and Roth IRA Share Certificates5

Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
12-month $1,000 4.909% 5.00%
24-month $1,000 4.232% 4.30%
36-month $1,000 4.135% 4.20%
48-month $1,000 3.893% 3.95%
60-month $1,000 3.844% 3.90%
84-month $1,000 3.309% 3.35%

Jumbo Traditional, Educational, and Roth IRA Share Certificates6

Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
12-month $10,000 4.957% 5.05%
24-month $10,000 4.281% 4.35%
36-month $10,000 4.184% 4.25%
48-month $10,000 3.941% 4.00%
60-month $10,000 3.893% 3.95%

Generator Share Certificates7

Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.

Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
The Generator 12 months $50 0.897% 0.90%
The Generator 24 months $50 0.947% 0.95%
The Generator 36 months $50 0.996% 1.00%

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