One Great Rate. Pick Your Term.
In today’s unpredictable financial landscape, it can feel overwhelming to make financial decisions. Staring at a rate chart and trying to predict what the economy will look like in the future - that’s almost impossible.
That’s why Andrews Federal created the One Great Rate, Pick Your Term option.
Moving your money to a Share Certificate could be a great financial decision. And, we’ve made it even easier by simplifying your options. All you need to do is choose to move your money from another institution over to Andrews Federal - we give you one great rate regardless of which Certificate term you choose.
A Rate You Can Count On
A share certificate provides certainty even when the financial outlook is unclear. A Share Certificate locks in a competitive rate for the entire Certificate term, instead of fluctuating with the market.
You get a strong return from day one, and great value for your money. While the national savings rate is averaging 0.39% APY in April 2026, you can earn more with a Share Certificate from Andrews Federal. The rate is guaranteed for the term you select, so even if rates drop, you’ll still continue to receive exceptional returns - as high as 3.60% APY.
Flexibility That Fits Your Life
Picking your term is the key to flexibility with our Share Certificates.
Instead of trying to outguess the market, you can pick a term based on your savings goals. Putting aside some money for a vacation next spring break? A 12-month Share Certificate could give it a little time to grow. Trying to save up for a house down payment? You can lock in a great rate for a longer term, so your funds keep growing strong while you keep an eye on the housing market.
This flexibility allows you to stay in control while still benefiting from higher earnings than a typical savings account.
Low Risk, High Confidence
If market volatility has made you hesitant about saving and investing, Share Certificates can be a very reassuring alternative. Instead of worrying about the ups and downs of the stock market, you can watch your funds grow at a steady, guaranteed rate.
That dependability can mean a lot, especially when you’re working toward achieving a big financial goal.
Take Advantage While Rates Are Strong
If you have money sitting in a savings account at another financial institution, you could make it do more by moving it to Andrews Federal and opening a Share Certificate. Lock in a great rate, choose the term you want, and ensure you’re getting great value for your money.
Need help getting started? You can open your Share Certificate through Digital Banking, or work with a representative at your local branch.
