Lock In This Great Rate Today

Earn 4.15% APY* for 13 months — locked in.

Open a Special Share Certificate with as little as $500, or go up to $250,000. No early withdrawal penalty. Limited time only.

Choose a Competitive, High-Yield Return

Our limited-time 13-Month Special Share Certificate holds a fixed 4.15% APY* for the full term. Open with as little as $500, up to a maximum of $250,000. And unlike most certificates, there's no penalty if you need your money early.

A share certificate is the credit union version of a bank CD: you set your savings aside for a fixed term, and we guarantee the rate for all 13 months.

Important Information on Funding Your Account

Before you open your account, read this important information on account funding.

Read Now

Share Certificate and CD: What's the Difference?

CD or Share Certificate? Learn how these savings options compare, what makes them similar, and how a Share Certificate can help your money grow.

Term	Minimum to Open	Dividend Rate	Annual Percentage Yield (APY)
13 - month	$500	4.087%	4.15%

Term

13 - month

Minimum to Open

$500

Dividend Rate

4.087%

Annual Percentage Yield (APY)

4.15%

13-Month Special Share Certificate - Offered rate is available as of for a limited time only. This certificate may be opened online or in a branch. Minimum of $500 to open and maintain the account as well as earn the advertised APY. Maximum balance allowed is $250,000. The 13 – Month Special Share Certificate must be opened with existing maturing Andrews Federal share certificate funds or must be new money, not currently vested within the Credit Union. Members are not restricted and may open multiple 13 – Month Special Share Certificates. The Credit Union reserves the right to change rates offered at any time. No penalties apply for early withdrawal. Fees may reduce earnings. Dividends will be compounded quarterly and will be credited quarterly. At maturity, all 13 - Month Share Certificates will automatically renew to a 12 - Month share certificate with that certificate term and current rate. Andrews Federal Credit Union is Federally Insured by the NCUA.

Membership Has Its Benefits

Why Join Andrews Federal Credit Union?

Credit union members have access to support and resources, so they can achieve their financial goals.

Financial Benefits

Member households save an average of $576 annually through:

Lower rates on loans
Higher earnings on deposits
Lower fees

Easy Membership Options

Membership is required, and there are many ways to join, including:

Military personnel and their families
Employees of Select Employer Groups
Residents of Washington, D.C.
Free membership through our partner, American Consumer Council

Digitally Driven Convenience

Access your accounts anytime, anywhere with:

Digital and Mobile Banking tools for account management
Convenient money transfer services, like Bill Pay, Euro Bill Pay, Zelle, and Wise
30,000+ surcharge-free ATMs

Committed to Excellence

Award-Winning Service. Award-Winning Commitment.

See why Andrews Federal is honored and trusted by members, industry partners, and our community.

America’s Best In State Credit Unions for 2026

Distinguished Army Credit Union of the Year

2020, 2022, 2023, 2024 and 2026

Distinguished Air Force Credit Union of the Year

2020

Certified six-time winner

Member of the Defense Credit Union Council

Your Questions. Answered.

Frequently Asked Questions about Share Certificates

Learn more about this dependable savings option.

How long do I have to fund a Share Certificate after opening?

You have 10 days to fund your Share Certificate. If your account is not funded within 10 days, it will be automatically closed and you will need to restart the process. Click here for more details about Share Certificate funding.

Can I send money from my other bank to Andrews Federal to fund my Share Certificate?

You can send money from another institution to Andrews Federal by logging into your account with the other institution and submitting a request there. You cannot initiate a request from your Andrews Federal account to another institution. Click here for more details about the Share Certificate funding process.

Do I have to fund my Share Certificate when I open it?

When you open a Share Certificate, you can open it with a zero balance. You then have 10 days to fund your account. Click here for more details about the Share Certificate funding process.

How do I request an increase to my Raise Your Rate Share Certificate?

You can send a secure message in Digital Banking to request that your rate be raised to the current offering for your product term. You can boost your rate once every six months.

What if I need to access my Share Certificate funds?

There is an early withdrawal penalty for removing funds before your Share Certificate's maturity date. Check your certificate disclosure or the Truth-in-Savings disclosure for details.

*APY = Annual Percentage Yield.