HUD Federal Credit Union is now Andrews Federal Credit Union

Dear Valued Member,

I am thrilled to share an exciting update regarding our merger integration. We have officially begun the system integration and de-conversion process - a major milestone on our journey together!

This step brings us significantly closer to seamlessly welcoming you into the Andrews Federal Credit Union family. Most importantly, it moves us one step closer to giving you full access to our complete suite of products and services, including:

• Expanded Financial Solutions: Enhanced loan rates, premium savings products, and tailored financial tools.
• Modern Digital Banking: Advanced online and mobile banking features designed to make managing your money easier and more secure.
• Broader Convenience: Extended service capabilities and access to our expanded network.

What happens next?

For now, there is nothing you need to do. Your accounts, cards, and daily banking services continue to operate as usual. As we progress through this phase, we will keep you fully informed with clear details and key dates well in advance of any account updates.

Thank you for your continued trust and loyalty during this transition. We are honored to serve you and look forward to offering you the very best of Andrews Federal Credit Union.

Warm regards,

Kenneth Orgeron
President and CEO
Andrews Federal Credit Union

Dear Valued Member,

On behalf of the Board of Directors, leadership team, and staff of Andrews Federal Credit Union, welcome. We are honored to have you as a member of the Andrews Federal family and look forward to serving your financial needs for many years to come.

As we continue the integration of HUD Federal Credit Union into Andrews Federal, we want to provide important information about branch access and the services available during this transition. Our priority is to make the process as seamless and convenient as possible while ensuring you continue to have reliable access to your accounts and the support you expect.

Because HUD Federal and Andrews Federal currently operate on separate core banking systems, access to certain services in some of our branch locations will be temporarily limited until the system conversion is complete. During this period, members will continue to receive full-service banking at our Headquarters Branch located at 5711 Allentown Road, Suitland, Maryland. Once the integration is complete, you will have access to the full suite of Andrews Federal products and services, including our expanded branch network, digital banking platform, and enhanced member benefits. At that time, you will be able to conduct your banking seamlessly across all Andrews Federal branches and digital channels.

During the transition, you may access your accounts and banking services through the following options:

• Interactive Teller Machine (ITM): A new ITM will soon be available at HUD Federal’s current location, 2415 Eisenhower Avenue, Alexandria, Virginia, providing convenient access to everyday banking services, including cash withdrawals, deposits, transfers, and balance inquiries.
• Select Andrews Federal Branches: Our branches in Fort Washington, Upper Marlboro, Henson Ridge, and Manchester Lakes are available to assist with many of your banking needs during the transition.
• Headquarters Branch: Our full-service Headquarters Branch at 5711 Allentown Road, Suitland, Maryland, offers comprehensive teller services, complete account servicing, and personalized financial guidance.
• CO-OP Shared Branch Network: You also have access to thousands of participating credit union branches and surcharge-free ATMs nationwide. To locate a participating branch, text your ZIP Code to 91989 or visit co-opsharedbranch.org.

As part of the integration, branch operations at the former HUD Federal location at 451 7th Street SW, Washington, DC, will close on June 29, 2026 at 12pm. This transition supports the orderly migration of systems, equipment, and operations while minimizing disruption to members. For your continued convenience, the ATM at this location will remain available through September 30, 2026, before the facility is fully vacated.

We will continue to keep you informed throughout the integration and will share updates as additional services become available. For the latest information, including important milestones and frequently asked questions, please visit our Merger Hub at andrewsfcu.org/merger.

Sincerely,

Kenneth Orgeron

President and CEO

Andrews Federal Credit Union

Dear Member,

It is with great excitement that I share an important milestone for both Andrews Federal Credit Union and HUD Federal Credit Union. HUD Federal has officially joined the Andrews Federal family, and we are honored to welcome our newest members.

For more than 77 years, Andrews Federal has been committed to helping our members achieve financial success while building lasting relationships within the communities we serve. That commitment remains at the heart of everything we do, and today we are proud to extend it to the members of HUD Federal Credit Union.

We understand that change can bring questions. Most importantly, I want to assure you that our focus remains unchanged: providing exceptional service, trusted financial guidance, and products designed to help you reach your goals. We are committed to making this transition as smooth and seamless as possible for every member.

By bringing our two credit union communities together, we create new opportunities to strengthen the value we provide. This partnership allows us to invest in enhanced technology, expanded financial solutions, and an even stronger member experience, while preserving the personal service and member-first philosophy that define both organizations.

Whether you have been a member for decades or are joining us for the first time, you are an important part of the Andrews Federal family. We are grateful for the trust you place in us and excited about the future we will build together.

Thank you for your membership. We look forward to serving you for many years to come and sharing updates as we continue this exciting journey.

Sincerely,

Kenneth Orgeron
President and CEO
Andrews Federal Credit Union

Dear Member,

On behalf of the Board of Directors, it is my pleasure to welcome you to Andrews Federal Credit Union. We are honored to have the members of HUD Federal Credit Union join the Andrews Federal family and look forward to serving you in this next chapter. 

We understand that your relationship with your credit union is personal and built on trust. During times of change, that trust matters even more. Our commitment is to make this transition as seamless as possible while continuing to provide the service, care, and support you deserve. 

For more than 77 years, Andrews Federal has been dedicated to helping members achieve financial well-being while supporting the communities we serve. We are proud to now extend that commitment to you and your family. In the near future, when we combine our systems, you will have access to an expanded range of products, services, and resources designed to support your financial goals today and in the future. 

We also recognize and value the strong relationships and history built through HUD Federal Credit Union. That legacy is important, and we are committed to building upon it with the same focus on people, service, and community that has always been at the heart of the credit union experience. 

Thank you for placing your trust in Andrews Federal during this transition. We are truly excited to welcome you and look forward to serving you for many years to come. 

Warm regards, 

Kenneth McKinney 
Chair, Board of Directors 
Andrews Federal Credit Union

Andrews Federal Credit Union is pleased to announce the successful completion of its merger with HUD Federal Credit Union, effective April 30, 2026. This strategic partnership brings together two institutions with a shared commitment to member-first service and community empowerment.

The merger integration, led by a comprehensive framework, ensures a seamless transition for HUD Federal members, who in the near future, will have access to Andrews Federal’s extensive global network, including branches across Maryland, D.C., Virginia, New Jersey, and overseas locations in Germany, Belgium, and The Netherlands.

“We are honored to welcome HUD Federal members and employees into our organization,” said Kenneth Orgeron, President and CEO of Andrews Federal Credit Union. “This merger is about more than just growth; it’s about providing our new members with the tools, technology, and financial stability they need to thrive in today’s economy while maintaining the familiar, personalized service they expect.”

Key Highlights for Members:

• Continuity of Service: Members will continue to be served by the same dedicated staff at existing locations.
•  Expanded Resources: Immediate access to an enhanced ITM/ATM network and upcoming integration with Andrews Federal’s award-winning digital banking suite.
• Community Impact: Continued investment in local financial literacy programs and community development initiatives.

“Our priority throughout this transition is a smooth, transparent experience for every member and employee,” added Damita Robinson, Chief Operating Officer of Andrews Federal. “We have built a dedicated integration team to support our new colleagues and ensure that 'Day One' is the start of a rewarding new chapter for everyone involved.”

Dear Member,

We are writing to share an important milestone in our history. To ensure you continue to receive the high level of service you deserve, HUD Federal Credit Union has officially merged into Andrews Federal Credit Union, effective today.

We chose Andrews Federal because they are a well-regarded institution that shares the same member-focused values that HUD Federal has upheld for years.

What does this mean for you right now?

There are no changes to your accounts, loans, or banking routines at this time. You may continue to use your accounts, visit your local branch, and work with the same dedicated staff you know and trust.

Looking Ahead

As you transition, Andrews Federal will provide you with expanded digital tools, a broader range of products, and a larger network of branches and ATMs. They are fully committed to maintaining the personalized service you expect. Steps have already been taken to ensure this transition is seamless and your service remains uninterrupted.

On behalf of the HUD Federal Credit Union Board of Directors, thank you for the trust you placed in us. It has been our distinct privilege to serve you. Please look for a formal welcome communication directly from Andrews Federal Credit Union. They are excited to begin their journey with you.

With appreciation,

Otis Collins
Former Board Chairman
HUD Federal Credit Union

We will notify you of any required actions through official communications, including email, mail, website updates, and other established channels. You will receive clear instructions and advance notice if any action is required on your part.

• Expanded branch access 
• Improved digital banking capabilities 
• Enhanced lending products 
• Additional financial tools and services 
• Personalized financial guidance from an on-site Financial Advisor
• Greater capacity to serve you

Do not provide personal or account information in response to unsolicited emails, texts, or phone calls. If you receive a communication that appears suspicious or claims to be related to the merger, contact Andrews Federal Credit Union directly to verify its authenticity. Andrews Federal Credit Union will never proactively ask for your PIN, secure access code, password, or other sensitive login credentials. Visit our Security Center to learn how to protect yourself from fraud https://www.andrewsfcu.org/resources/security.

For the latest merger updates, please visit the website and review official emails and mailed communications. Members may also visit a branch or call the Contact Center with questions. https://www.andrewsfcu.org/merger

HUD Federal Credit Union and Andrews Federal Credit Union are merging to bring together two organizations with similar values, cultures, and member-focused missions. Andrews was selected as the merger partner because of this strong alignment and shared commitment to serving members. By combining resources, the merged organization will be better positioned to provide enhanced products, expanded services, improved technology, and greater convenience, ultimately delivering more value to you.

Yes. You will continue to have access to your current products and services throughout the system conversion process. Following the system conversion, you will gain access to Andrews Federal Credit Union’s broader range of products, services, and financial solutions, providing you with additional options and enhanced banking capabilities. We will keep you updated.

Yes. Your accounts will remain federally insured by the National Credit Union Share Insurance Fund (NCUSIF).

If you recently applied for a loan, your application will continue through the normal review and approval process. We will contact you directly if any additional information is needed.

If you recently opened an account, you will continue to have access to your accounts and services without interruption. Your accounts will remain active and operate as usual.

Yes. Your automatic payments and recurring transactions will continue to be processed normally.

Yes. Your business accounts will remain active.

You can continue using the same contact numbers you use today. Any future updates will be communicated through official credit union channels. 

Yes. Your existing cards will continue to work as they do today.

Yes. Our goal is to ensure all direct deposits and ACH transactions continue without interruption.

No. Your existing loan terms and agreements will remain unchanged. There will be no changes to your interest rate, payment amount, payment due date, loan maturity, collateral requirements, or any other terms and conditions of your existing loan. All current loan agreements will continue to be honored as originally established, and you should continue making your loan payments as you do today. 

You will continue using your current routing number for now. If any updates are required, we will provide advance notice and clear instructions.

You can continue using online banking, mobile banking, bill pay, and mobile deposit services as you do today. Bill payments and mobile deposits will continue without interruption. You may continue using your current digital banking username and password at this time. If updates are required, we will notify you well in advance and provide clear instructions to ensure a smooth transition.

Yes. You will continue to have access to the Shared Branching network, allowing you to conduct transactions and receive in-person service at participating credit union locations nationwide. Additionally, Shared Branching services are available at Andrews Federal branches located in Suitland, MD; Fort Washington, MD; Upper Marlboro, MD; Washington, DC (SE); and Alexandria, VA, providing you with even more convenient options to access your accounts and complete your banking transactions.

You can visit our Headquarters Branch at 5711 Allentown Road, Suitland, MD 20746 for assistance with your account. The branch is open Monday–Friday, 9:00 a.m.–5:00 p.m., and beginning in August, we will also offer Saturday hours from 9:00 a.m.–12:00 p.m. Members may also use Shared Branching locations, including Andrews Federal branches in Suitland, Fort Washington, Upper Marlboro, SE Washington, DC, and Alexandria, VA.

Please mail loan payments and other correspondence to HUD FCU, PO Box 3000, Clinton Maryland, 20735-6001.

Yes. You can continue using ATMs as you do today without interruption. Currently, there are no changes to the current ATM fee structure.