Belong to a Credit Union that Works Hard for You
Andrews Federal Credit Union Membership
Learn about Andrews Federal Credit Union membership and join today.
Account Opening
Opening an account is easy
Are You a Member?
Log in to Online Banking
Not a Member Yet?
Join in less than 5 minutes to bank at Andrews Federal
Earn More. Save More. Do More with Andrews Federal
When you're an Andrews Federal member, you have access to exclusive member benefits that help you save more, earn more, and do more with your money.
- Earn more and save more than the national average
- Enjoy more rewards, lower rates, and fewer fees
- Simplify your finances with digital and mobile banking
- Get expert support to reach your financial goals
- Belong to a credit union that invests in its community
- Refer a friend, and you both could get $50*!
Joining Made Simple
Our partner, the American Consumer Council, offers immediate membership eligibility, so you can join for free in less than five minutes.
Are you located in the United States?
Are you a Department of Defense civilian or contractor?
Are you a member of the American Consumer Council?
Learn more about eligibility options with the American Consumer Council.
Are you a Military or Department of Defense dependent?
Are you active duty or reserve military?
Are you Active Duty U.S. Military or Civilian personnel (or their dependents or dependent survivors) of the Department of Defense who have a valid Uniformed Services Identification and Privilege Card and who are authorized logistical support in accordance with the appropriate host nation Status of Forces Agreement, and who have a work or residential address within Andrews' assigned geographical territory, consisting of areas in: the Netherlands, Belgium, and northern and central Germany.
Are you assigned to and/or currently receiving benefits and services from Joint Base Andrews or Joint Base Mcguire-Dix-Lakehurst?
Are you located in Belgium, the Netherlands, Germany, Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst?
Are you located in Belgium?
Are you located in Germany or the Netherlands?
Are you retired military?
Are you US Active-Duty or Retired Military Personnel?
Are you a military spouse, dependent or dependent survivor?
Are you assigned to and/or currently receiving benefits and services from Joint Base Andrews or Joint Base Mcguire-Dix-Lakehurst?
Do you have any other military/DoD affiliations?
Do you live, work, attend school, or worship in Washington, D.C.?
Is someone in your household or immediate family a member of Andrews Federal Credit Union?
Some companies have requested that their employees and members have access to Andrews Federal Credit Union membership benefits. If your employer or organization is on that list, you are eligible to join!
Are you US Active-Duty or Retired Military Personnel?
Are you a military spouse, dependent or dependent survivor?
Are you assigned to and/or currently receiving benefits and services from Joint Base Andrews or Joint Base Mcguire-Dix-Lakehurst?
If you answered “yes” to any of these questions, choose Yes below.
Do you work for one of our Select Employee Groups? Click here to view a list of all eligible Select Employee Groups.
Some companies have requested that their employees and members have access to Andrews Federal Credit Union membership benefits. If your employer or organization is on that list, you are eligible to join!
Are you civilian personnel of U.S. Military units, or their dependents or dependent survivors, who work at or are assigned to Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst.
Based on the information you shared, you are not currently eligible for membership.
However, you can become eligible by joining the American Consumer Council.
Once you join (takes about 5-10 minutes), you will be eligible for Andrews Federal membership.
Congratulations!
You are eligible to join Andrews Federal Credit Union. Opening your new account should take less than 10 minutes. Ready to get started?
Eligibility
You are not eligible for membership due to the SOFA agreement in each respective country.
Qualify
To qualify for membership in Belgium, you must have a Department of Defense CAC with individual logistical support (ILS) or be a Military Retiree.
Qualify
To qualify for membership in Germany and The Netherlands, you must have a Department of Defense CAC with individual logistical support (ILS).
Your Questions. Answered.
Frequently Asked Questions about Membership
Learn more about how and why to join Andrews Federal.
What do I need to open an account?
You will need two forms of state-issued identification, including one primary form such as a state-issued ID, passport, and/or military ID.
The second form of identification can be a Social Security card, Student ID, Birth Certificate, Permanent Resident Card, Auto Insurance Card, and/or a Credit Card.
If your state-issued identification does not have your current physical address, you will need to show proof of current address with another form of identification, such as current utility bill or current bank or mortgage statement.
Why is membership required?
Credit unions are member-owned financial cooperatives, which means you need to be a member to access products and services. As a member, you are an owner of the credit union. Because credit unions are owned by their members, profits are reinvested into the membership, generally through providing members with lower loan rates, fewer fees, and higher deposit earnings.
Am I eligible for Andrews Federal membership through my employer?
We work with many employers to provide Andrews Federal membership as an employee benefit. You can learn more about this program and see whether your employer is on the list.
I am stationed in Europe. How can I qualify for membership?
If you live in Germany or the Netherlands, you or someone in your household must have an active DoD CAC ID card with privileges to qualify for membership. In Belgium, you may have an active DoD CAC ID card or may show proof that you are a military retiree. If you are elsewhere in Europe, you may qualify through membership in the American Consumer Council.
Can I open an account online?
Yes, we have worked to make our online membership process as easy and efficient as possible. You can get started here and should be able to complete the process in less than five minutes.
Can I open an account in a branch?
Yes, you are welcome to visit the branch and open an account. We encourage you to schedule an appointment so we can dedicate time to serve you and ensure all your questions are answered.
Is there a minimum deposit required for membership?
You must retain a minimum of $5 in your base share savings account.
The Andrews Connection
Explore helpful articles on The Andrews Connection, our central information hub for the latest news, blogs, events, and updates.
Fraud Prevention
Too Good To Be True: Predatory Lending
Team Andrews
November 24, 2025
Ways to Save
10 Money-Saving Tips for Veterans and Service Members
Team Andrews
November 3, 2025
Credit Cards, Financial Knowledge, Loans and Mortgages
Understanding and Accessing Your FICO® Score
Team Andrews
October 21, 2025
We offer minor account options for our younger members, with an eligible adult. For more information regarding minor accounts, visit our Youth Savings Accounts page.
Immediate family means that you are a spouse, child, sibling, parent, grandparent, or grandchild of an existing member, or you live in the same household as an existing member.
*Refer a Friend Program - Refer a Friend $50 Offer is available as of January 1, 2025. The Credit Union reserves the right to change or end this offer at any time. To be eligible, the referring member (“Referrer”) must be an existing member of Andrews Federal Credit Union (“Andrews,” “Credit Union”) with an account in good standing. The referred person (“The Referred”) must not have any existing account with the Credit Union as of 02/02/2022 and must: open any new checking account, obtain a VISA Debit Card, enroll in online and mobile banking services (“Digital Banking Services”), and make three (3) or more purchases with the VISA Debit Card to be eligible for the referral credit. Some checking account types have a Direct Deposit requirement as a term of the account; to see the features and terms of all of our checking account types visit AndrewsFCU.org/Bank/Spending/Personal-Checking. The Referred must be eligible for membership to join the Credit Union; establishing membership requires a Base Share Savings account with a $5.00 opening deposit, which must be done before the new Checking account may be opened. New account may be opened at any Andrews branch location; offer is not available online. New account must remain open for at least 90 days to be eligible for the referral credit. A $50 credit will be made to the Referrer’s and the Referred’s Base Share Savings account after the 90 day period has ended. If either the Referrer’s or the Referred’s account is closed before the referral credit is given, or the account is not in good standing, the referral credit is forfeited. There is a $25.00 fee if an account is closed within sixty (60) days of it being opened. Employees, Directors or contractors of the Credit Union, or their direct family members are not eligible for referral offer.