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Increased Deposit Rates

We've increased our Money Market and Share Certificate (CD) rates to help you save more. View the new rates and open an account today.

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Andrews Federal Credit Union
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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%

6Certificate 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). 

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%

7Soar to Save Share Certificate Special: Must be opened at an Andrews branch location and is available for eligible military members. Share Certificate must be funded with New Money (i.e. funds not already on deposit at the credit union) to qualify for the special rate. Limit one certificate special per primary account holder. Penalties apply for early withdrawal. Fees may reduce earnings. Soar to Save Share Certificate offer and stated APY available for a limited time only and may change at any time. Offer effective April 1, 2022 and must be opened prior to May 31, 2022 to be eligible. Certificate has a $1,000 minimum to open and a $10,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all Soar to Save Share Certificates will automatically renew at the 6 Month share certificate rate and term. IRA Certificates are excluded from this offer. Must be a member of the credit union to open any deposit account. 

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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.

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 (link to https://www.mycreditunion.gov/share-insurance) 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.