Banking and Digital Tools, Fraud Prevention
Protect Your Account with Push Authorization
Team Andrews
January 23, 2026
Support When You Need It
Financial Assistance Options
Andrews Federal is here to help with options tailored to your situation.
Facing unexpected financial challenges?
It is our honor and our mission to serve our members through all seasons of life. When members face unexpected or challenging financial situations—such as a potential government shutdown, a change in employment, unexpected illness or expenses, or the aftermath of a natural disaster—our credit union team is ready to help you find the best solution for your personal situation. We offer resources designed to help bridge financial gaps and provide stability during uncertain times.
Additional Guidance through free Financial Counseling with our partner, Greenpath
Unforeseen circumstances can impact your finances, and make it hard to decide which step to take next. We offer members free financial guidance and assistance through a partnership with Greenpath™ Financial Counseling.
For a confidential consultation to create a personalized financial plan, contact Greenpath’s trained counselors at 877.337.3399 (U.S.) or at www.greenpath.com.
Still Have Questions?
Need more help with your late Andrews Federal payment?
Review answers to some of our most frequently asked questions below. If you have any additional questions about your account status, please don’t hesitate to contact us at njcollect@andrewsfcu.org
What if I cannot afford to make my payment?
We understand that financial hardships happen, contact us to discuss hardship programs or other arrangements.
Can I change my due dates on my loans?
Depending on the loan product, we may be able to adjust your payment due date to align with your financial schedule.
Do you offer any assistance programs?
Yes, we may be able to provide reduced payment plans for eligible members. Programs are tailored to our members’ individual needs.
Will I be charged late fees and interest?
Yes, late fees are applied once the loan exceeds its grace period, which varies depending on the loan type. Interest accrues daily depending on the loan type. Mortgage loans follow an amortization schedule and Credit Cards use an Average Daily Balance (ADB) method.
Average Daily Balance Method
- The average balance of your credit card is calculated by adding up the balance at the end of each day during the billing cycle and dividing it by the number of days in the billing cycle.
- The interest is calculated by multiplying the average daily balance by the daily periodic rate, then multiplying that by the number of days in the billing cycle.
What happens if I ignore my obligations?
Ignoring the debt may result in further collection efforts including reporting late payments to the credit reporting agencies, repossession, foreclosure and/or assigning the account to a collection attorney or agency. Do not hesitate to contact one of our experienced counselors for assistance.
When does Andrews report late payments to the credit bureaus?
We report accounts as late to the credit bureaus after the loan payment is more than 30 days past due.
How can I make a principal only payment?
Interest on accounts accumulates daily so if you are making an additional payment towards your loan, you will need to make the payment on the day your minimum payment is due.
What tools does Andrews offer to help me stay on track with my payments?
- Enrolling in automatic ACH from an outside financial institution
- Setting up Bill Pay with your primary financial institution
- Setting up alerts in Online Banking to let you know when you have a payment due
The Andrews Connection
Explore helpful articles on The Andrews Connection, our central information hub for the latest news, blogs, events, and updates.
Current News and Press Releases
Andrews Federal Named to Yahoo Finance Best Credit Unions List
Team Andrews
January 20, 2026
Banking and Digital Tools, Tips and Lifestyle
Send Money Online to Make the Holiday Season Easier
Team Andrews
December 18, 2025
Membership eligibility required. A membership account with a minimum $5 deposit into a Base Share Savings account must be established prior to funding the loan. View membership eligibility requirements here.
1Financial Assistance Loan: APR = Annual Percentage Rate. Offer effective as of January 27, 2026, and subject to change. Must be a member of the credit union to open any loan account. Terms and conditions vary based on creditworthiness and qualifications. Subject to credit approval. Additional restrictions may apply. Your actual payment will be based on your loan amount, payment frequency, and term. Sample Payment: $5,000 for 24 months at a fixed interest rate of 6.00% = payment of $222.71. A previous government paystub or furlough notice must be provided. This offer is available to members directly impacted by a hardship or layoff. Deferred payment is a period of time during which a borrower is permitted to temporarily postpone making regular monthly payments. The debt is not forgiven; however regular payments are suspended until a later time. Interest continues to accrue at your contractual interest rate. Excluded from deferred payment option: Credit Cards, Overdraft Line of Credit, Premier Line of Credit, Cash To Go, Business Line of Credit, Business New Auto, Business Used Auto, Business Signature Loan and Business Credit Card.
2Penalty free Share Certificate withdrawal: A 2025 W2, government paystub, or furlough notice must be provided. This offer is available to members directly impacted by a hardship or layoff.