Share Certificates

New Share Certificate Specials

Open an account today with as little as $1,000 and you'll get our best share certificate rates with these limited time offers. You'll be guaranteed an exact return on your savings as a result of fixed dividend rates. 

9-Month Certificate Special

Don't want to wait all year to see your money grow? With a 2.75% APY1, you won't have to!

55-Month Certificate Special

With an eye towards saving for the future, you're certain to accomplish those goals with a 3.05% APY2

17-Month Certificate Special

 Maintain a saving discipline with this option at 2.25% APY3.

30-Month Certificate Special

At 2.55% APY4, you'll be a savings sleuth in no time.

Start Saving for the Future Today

Not a member? It's easy to join Andrews Federal in just minutes. Already a member? Log into online banking to and click the Options and Extras tab to add a Share Certificate to your account.

Table data for Special Certificate Rates
 Rates Effective 11-19-2018
Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
Special 9-Month Share Certificate1 9 months $1,000.00 2.72% 2.75% Open
Special 55-Month Share Certificate2 55 months $1,000.00 3.02% 3.05% Open
Special 17-Month Share Certificate3 17 months $1,000.00 2.23% 2.25% Open
Special 30-Month Share Certificate4 30 months $1,000.00 2.53% 2.55% Open
The Generator5 12 months $50.00 0.40% 0.40% Open
The Generator5 24 months $50.00 0.45% 0.45% Open
The Generator5 36 months $50.00 0.55% 0.55% Open
Bump It Up Certificate6 24 months $1,000.00 1.00% 1.00% Open
Bump It Up Certificate6 36 months $1,000.00 1.25% 1.26% Open
Bump It Up Certificate6 48 months $1,000.00 1.45% 1.46% Open
  • 1Special 9-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective July 5, 2018, is 2.75%; interest rate is 2.722%. Certificate has a $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 9-Month Certificates will automatically renew at the 12-Month share certificate rate and term. Each individual member limited to one Special 9-Month Certificate during the promotional period. Penalties apply for early withdrawal; fees may reduce earnings on the account. Early withdrawal penalties (a penalty may be imposed for principal withdrawals before maturity): If your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends. If your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends.
  • 2Special 55-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective July 5, 2018, is 3.05%; interest rate is 3.016%. Certificate has a $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 55-Month Certificates will automatically renew at the 60-Month share certificate rate and term. Each individual member limited to one Special 55-Month Certificate during the promotional period. Penalties apply for early withdrawal; fees may reduce earnings on the account. Early withdrawal penalties (a penalty may be imposed for principal withdrawals before maturity): If your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends. If your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 360 days of dividends.
  • 3Special 17-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective April 30, 2018, is 2.25%; interest rate is 2.231%. Certificate has a $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 17-Month Certificates will automatically renew at the 12-Month share certificate rate and term. Each individual member limited to one Special 17-Month Certificate during the promotional period.
  • 4Special 30-Month Certificate offer and stated APY also available for a limited time only and may change at any time. APY effective April 30, 2018, is 2.55% interest rate is 2.526%. Certificate has $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 30-Month Certificates will automatically renew at the 24-Month share certificate rate and term. Each individual member limited to one Special 30-Month Certificate during the promotional period.
  • 5Certificate must be opened with a minimum $50.00 balance; must maintain a minimum $50.00 balance to earn the advertised APY. Deposits are allowed in branch, through automatic direct deposits, and online (as transfers from another share). Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings.Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.
  • 6Bump It Up offer allows a one-time election to bump up your existing Bump It Up certificate rate to that of the currently advertised Fixed Rate Certificate of the same term; CD specials are excluded. Must exercise bump option prior to the maturity date of the certificate, otherwise bump option is forfeited. Certificate must be opened with a minimum $1000 balance; must maintain a minimum $1000 balance to earn the advertised APY/bumped APY. Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.

Penalties apply for early withdrawal; fees may reduce earnings on the account. Early withdrawal penalties (a penalty may be imposed for principal withdrawals before maturity):

  • If your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends.
  • If your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends.

Federally Insured by NCUA. APY = Annual Percentage Yield. Deposits are allowed in branch, through automatic direct deposits, and online (as transfers from another share account). Must be funded with new money OR the member must have a checking account, debit card, and direct deposit of $750 or more per month. Penalties apply for early withdrawal. Fees may reduce earnings. Deposits are insured up to at least $250,000 per individual depositor. Must be a member of the credit union to open any deposit account. Our field of membership includes Active Duty or Retired Military personnel (or their spouses, dependents or dependent survivors) of Joint Base Andrews, Joint Base McGuire-Dix-Lakehurst, 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.

About Datatrac - Datatrac is an independent, unbiased research firm that has monitored deposit and loan rates, fees and product features for over 25 years on more than 100,000 banking locations in America. Datatrac Great Rate Awards® certify that deposit and loan rates outperform the market average for comparable products. To learn more, please visit www.GreatRateAward.com. Datatrac Great Rate Awards® and data contained in this report are subject to a licensing agreement which may be viewed at www.datatrac.net/eula. Any other use is strictly prohibited. The analysis presented herein is the sole opinion of Datatrac and is based upon independent research conducted by Datatrac and its partners. Research is conducted on a reasonable efforts basis and may or may not represent all institutions or products in a market. Datatrac Great Rate Award® is a registered trademark of Datatrac. Copyright © 2018 Datatrac. Based upon an analysis of 126,643 banking locations in the United States as of 7/23/2018, Andrews Federal Credit Union’s 30 month share certificate at $10,000 outperformed the National average by 214%. 214% is the difference between the percent earned in interest between Andrews Federal Credit Union’s rate at 2.55% APY compared to 0.81% APY for the National market average over the life of a 30 month share certificate or certificate of deposit (CD) at $10,000 over 30 months.

 

Table data for Share Certificate
 Rates Effective 11-19-2018
Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
6-month $1,000 .55% .55% Open Receive a notification when this rate changes
12-month $1,000 1.40% 1.41% Open Receive a notification when this rate changes
24-month $1,000 1.44% 1.45% Open Receive a notification when this rate changes
36-month $1,000 1.49% 1.50% Open Receive a notification when this rate changes
48-month $1,000 1.60% 1.61% Open Receive a notification when this rate changes
60-month $1,000 1.90% 1.91% Open Receive a notification when this rate changes
84-month $1,000 2.18% 2.20% Open Receive a notification when this rate changes
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. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.

Table data for IRA Fixed-Rate Certificates
 Rates Effective 11-19-2018
Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
6-month $1,000 0.55% 0.55% Open Receive a notification when this rate changes
12-month $1,000 1.40% 1.41% Open Receive a notification when this rate changes
24-month $1,000 1.44% 1.45% Open Receive a notification when this rate changes
36-month $1,000 1.49% 1.50% Open Receive a notification when this rate changes
48-month $1,000 1.60% 1.61% Open Receive a notification when this rate changes
60-month $1,000 1.90% 1.91% Open Receive a notification when this rate changes
72-month $1,000 2.08% 2.10% Open Receive a notification when this rate changes
84-month $1,000 2.18% 2.20% Open Receive a notification when this rate changes
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. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.

Table data for Jumbo Share Certificates
 Rates Effective 11-19-2018
Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
6-month $10,000 0.60% 0.60% Open Receive a notification when this rate changes
12-month $10,000 1.44% 1.45% Open Receive a notification when this rate changes
24-month $10,000 1.49% 1.50% Open Receive a notification when this rate changes
36-month $10,000 1.54% 1.55% Open Receive a notification when this rate changes
48-month $10,000 1.75% 1.76% Open Receive a notification when this rate changes
60-month $10,000 2.00% 2.02% Open Receive a notification when this rate changes
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. Jumbo certificate must be opened with a minimum $10,000 balance; must maintain a minimum $10,000 balance to earn the advertised Jumbo APY. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Must be a member of the credit union to open any share certificate. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.

Table data for Jumbo IRA Fixed-Rate Certificates
 Rates Effective 11-19-2018
Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
6-month $10,000 0.60% 0.60% Open Receive a notification when this rate changes
12-month $10,000 1.44% 1.45% Open Receive a notification when this rate changes
24-month $10,000 1.49% 1.50% Open Receive a notification when this rate changes
36-month $10,000 1.54% 1.55% Open Receive a notification when this rate changes
48-month $10,000 1.75% 1.76% Open Receive a notification when this rate changes
60-month $10,000 2.00% 2.02% Open Receive a notification when this rate changes
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. Jumbo certificate must be opened with a minimum $10,000 balance; must maintain a minimum $10,000 balance to earn the advertised Jumbo APY. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Must be a member of the credit union to open any share certificate. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.