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Andrews Federal Credit Union
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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%
 
2APY = Annual Percentage Yield. Rates effective as of September 29, 2023. Raise Your Rate Share Certificate offers up to a maximum of three (3) opportunities to request the Credit Union to “raise your rate” to the rate currently being offered on our Fixed Rate Share Certificate of the same term as published on our website (certificate specials are excluded). Your Raise Your Rate share certificate must be opened for a minimum of six (6) months before you may request your first rate raise. Once raised, your dividend rate and annual percentage yield will reflect the new rate until such time as you are eligible for, and request, another rate raise. You will have an opportunity to request up to a maximum of three (3) rate raises over the term of your share certificate, as long as six (6) months have passed since your last rate raise. If you do not exercise your rate raise option(s) during the term of the certificate, you forfeit your rate raise option(s). The certificate must be opened with a minimum $1,000 deposit; must maintain a minimum $1,000 balance to earn the advertised APY. Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings on the account.  Offered rates are subject to change at any time. 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.

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%
 
3APY = Annual Percentage Yield. Rates effective as of September 29, 2023. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The certificate must be opened with a minimum $1,000 deposit; must maintain a minimum $1,000 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.

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%
 
4APY = Annual Percentage Yield. Rates effective as of September 29, 2023. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Jumbo certificate must be opened with a minimum $10,000.00 deposit; must maintain a minimum $10,000.00 balance to earn the advertised Jumbo APY. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. 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.

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%
 
5APY = Annual Percentage Yield. Rates effective as of September 29, 2023. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The certificate must be opened with a minimum $1,000 deposit; must maintain a minimum $1,000 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.

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%
 
6APY = Annual Percentage Yield. Rates effective as of September 29, 2023. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Jumbo certificate must be opened with a minimum $10,000.00 deposit; must maintain a minimum $10,000.00 balance to earn the advertised Jumbo APY. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. 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.

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%
 
7APY = Annual Percentage Yield. Rates effective as of September 29, 2023. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Certificate must be opened with a minimum $50.00 deposit; must maintain a minimum $50.00 balance to earn the advertised APY. Deposits are allowed in branch, through automatic direct deposits, and online (as transfers from another share). 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.

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

Federally Insured by NCUA. APY = Annual Percentage Yield. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Deposits are insured up to at least $250,000 per individual depositor. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Jumbo certificate must be opened with a minimum $10,000 balance; must maintain a minimum $10,000 balance to earn the advertised Jumbo APY. Click here for more information on share insurance coverage. Must be a member of the credit union to open any deposit account. 

Additional Share Certificate Disclosures - 
With the exception of the 84-Month Share Certificate, if your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends. 
With the exception of the 84-Month Share Certificate, if your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends. 

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.