Andrews Federal Credit Union

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New membership? New opportunities to save more and earn more
  • Earn a market-leading 5.00% APY* on a 12-Month Share Certificate1
  • Get your paycheck one day early with a checking account2
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Start by joining the credit union dedicated to making members’ lives better and helping them reach their financial goals.

At Andrews Federal, we proudly provide our military and civilian members with the resources they need to achieve their financial goals, including valuable deposit products, competitive loan options, and convenient technology. We’ve been serving members for 75 years, helping them save time and save money through the products and services we offers. Find out now how you can join!

12 Month
Share Certificate
Lock in a great rate when you choose our 12-month Share Certificate at 5.00% APY*.

5.00%APY*

Why Choose a Share Certificate?

Ready to get started?

Here’s how you can start taking advantage of all the benefits of Andrews Federal membership. 

  • Establish your Andrews Federal membership by opening a Share Savings Account
  • Once your membership is established, you can choose to open a Share Certificate through your Digital Banking account or in-person at a branch location. 
  • When you open a new Share Certificate, you can transfer money during the account opening process. If you need to transfer large sums of money, please transfer your new money to an Andrews Federal checking or savings account. Learn more about important funding information for new Share Certificates.

If you’re already an Andrews member, you can open your Share Certificate by logging in to Digital Banking and choosing “Open Account” from the left menu. Or use our mobile banking app.

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Membership Opportunities
Just for you

Explore the easy options to join Andrews Federal

Lock in Our Best Rate & Term

Earn 5.00% APY* for 12 Months1

  • Give your money a year to grow on – and earn a great rate! 
  • Earn a market-leading 5.00% APY* on a 12-Month Share Certificate
  • Lock in a great rate and feel confident of your earnings 
  • Easy 12-month term 
  • $1,000 minimum balance required to open your account 
  • Open your account easily in Digital Banking, or roll over funds from another maturing Share Certificate

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Early Direct Deposit

Get Your Paycheck One Day Early2

  • Access your paycheck before it’s available at traditional banks.2
  • Get paid one day early
  • Avoid the hassle of depositing a check
  • Save time with fewer trips to the credit union
  • Reduce the risk of loss or theft 
  • Opt in for a checking account that fits you - choose from Payback Checking, Boost Checking, Online Checking, and Forces Checking

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Federally Insured by the NCUA. 

112-Month Share Certificate - APY = Annual Percentage Yield. Rates effective as of July 03, 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.

2Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be one day earlier than the payer’s scheduled payment date.

Our field of membership includes U.S. Active Duty or Retired Military personnel (or their spouses, dependents or dependent survivors) of Joint Base Andrews, Joint Base McGuire and military installations in central Germany, Belgium, and The Netherlands; as well as over 200 employer groups throughout Maryland, Virginia and New Jersey. We also have nationwide membership eligibility through the American Consumer Council and anyone who lives, works, attends school, or worships in Washington, D.C.

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.