Share Certificate Rates

Our rates ensure you'll get more than a fair share.

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, 60 months, or somewhere in between, you're sure to come out ahead.

Rates to strengthen your savings

Limited-Time Special Offers

Certificate Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
Special 8-Month Share Certificate1 8 months $1,000 2.03% 2.05%
Special 13-Month Share Certificate2 13 months $1,000 2.13% 2.15%
Special 17-Month Share Certificate3 17 months $1,000 2.23% 2.25%
Special 55-Month Share Certificate4 55 months $1,000 2.57% 2.60%
Special 84-Month Share Certificate5 84 months $1,000 3.02% 3.05%

Share Certificates

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
6-month $1,000 .55% .55%
12-month $1,000 1.40% 1.41%
24-month $1,000 1.44% 1.45%
36-month $1,000 1.49% 1.50%
48-month $1,000 1.60% 1.61%
60-month $1,000 1.90% 1.91%

IRA Share Certificates

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
6-month $1,000 0.55% 0.55%
12-month $1,000 1.40% 1.41%
24-month $1,000 1.44% 1.45%
36-month $1,000 1.49% 1.50%
48-month $1,000 1.60% 1.61%
60-month $1,000 1.90% 1.91%
72-month $1,000 2.08% 2.10%
84-month $1,000 2.18% 2.20%

Jumbo Share Certificates

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
6-month $10,000 0.60% 0.60%
12-month $10,000 1.44% 1.45%
24-month $10,000 1.49% 1.50%
36-month $10,000 1.54% 1.55%
48-month $10,000 1.75% 1.76%
60-month $10,000 2.00% 2.02%

Jumbo IRA Share Certificates

Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
6-month $10,000 0.60% 0.60%
12-month $10,000 1.44% 1.45%
24-month $10,000 1.49% 1.50%
36-month $10,000 1.54% 1.55%
48-month $10,000 1.75% 1.76%
60-month $10,000 2.00% 2.02%

Non-Traditional Share Certificates

Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY)
The Generator6 12 months $50 0.40% 0.40%
The Generator6 24 months $50 0.45% 0.45%
The Generator6 36 months $50 0.55% 0.55%
Bump It Up Certificate7 24 months $1,000 1.00% 1.00%
Bump It Up Certificate7 36 months $1,000 1.25% 1.26%
Bump It Up Certificate7 48 months $1,000 1.45% 1.46%

Seminars

Elevate your financial know-how.

Class is in session.

Andrews Federal members received over $19 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.