Share Certificates

If you have a little more to invest and can commit funds for a fixed period, you’ll earn higher dividends with our fixed-rate Share Certificates. For those seeking other investment options, we offer the Generator Share Certificate that can be opened with just $50, or our Bump It Up Share Certificate that allows you to inflate your rate one time during your term.  We have various terms ranging from 6 months all the way to 60 months, so you can create a custom savings plan to meet very specific goals.

New Share Certificate Specials

Hurry to take advantage of these limited-time only Share Certificate Specials. Open an account today with as little as $1,000, and you'll get our best share certificate rates. You'll be guaranteed an exact return on your savings as a result of fixed dividend rates. 

17-Month Certificate Special - Looking for a quicker return? Then select this great option with 2.25% APY1.

30-Month Certificate Special - Choose this certificate if you are saving for a longer term with a higher rate of 2.55% APY2.

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 open your new Share Certificate.

Table data for Share Certificate
 Rates Effective 05-20-2018
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 05-20-2018
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 05-20-2018
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 05-20-2018
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 Special Certificate Rates
 Rates Effective 05-20-2018
Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
Special 17-Month Share Certificate1 17 months $1,000.00 2.23% 2.25% Open
Special 30-Month Share Certificate2 30 months $1,000.00 2.53% 2.55% Open
The Generator3 12 months $50.00 0.40% 0.40% Open
The Generator3 24 months $50.00 0.45% 0.45% Open
The Generator3 36 months $50.00 0.55% 0.55% Open
Bump It Up Certificate4 24 months $1,000.00 1.00% 1.00% Open
Bump It Up Certificate4 36 months $1,000.00 1.25% 1.26% Open
Bump It Up Certificate5 48 months $1,000.00 1.45% 1.46% Open
  • 1Special 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.
  • 2Special 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.
  • 3Certificate 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.
  • 4Bump 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.
  • 5Special 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.