Share Certificate Rates

Share Certificates offer you more value and savings for your future.
  • Give yourself the option to earn more
  • Lock in a great rate for a time period that works for you
  • Save for the short-term, college expenses or retirement
  • Earn a market-leading 5.00% APY* on a 12-Month Share Certificate

The Earnings You Want. The Timeframes that Work for You.

Share Certificates give you great returns on your earnings. They offer a low-risk, convenient way to save for a goal, grow your emergency fund or plan for the future. With great rates on a variety of terms – starting as short as 6 months – you can give yourself a great option to start saving more with a Share Certificate.

 

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 4.038% 4.10%
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 4.038% 4.10%
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 4.087% 4.15%
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 4.038% 4.10%
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 4.087% 4.15%
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%

Rewarding Checking

Kasasa Cash Checking
We’re always looking for ways to give you more. That includes our outstanding checking options powered by Kasasa. With Kasasa Cash Checking, you can earn higher dividends on your checking account balances — up to 6.00% APY. And, you’ll continue to have access to all the best benefits that come standard with Andrews Federal membership, including Early Direct Deposit, mobile check deposits, Digital Banking access and more.

Now offering members the option to choose high yield or cash back with new checking accounts powered by Kasasa.