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Share Certificate Specials

Save now with a Share Certificate from Andrews Federal and you'll get a guaranteed return on your savings as a result of fixed dividend rates. Open an account today! 

  • 8-Month Share Certificate with 2.05% APY1
  • 17-Month Share Certificate with 2.25% APY2
  • 55-Month Share Certificate with 2.60% APY3
  • 84-Month Share Certificate with 3.05% APY4 

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Not a member? It's easy to join Andrews Federal in just minutes. Already a member? Log in to online banking to open your new Share Certificate.

Table data for Special Certificate Rates
 Rates Effective 09-21-2019
Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
Special 8-Month Share Certificate1 8 months $1,000.00 2.03% 2.05% Open
Special 17-Month Share Certificate2 17 months $1,000.00 2.23% 2.25% Open
Special 55-Month Share Certificate3 55 months $1,000.00 2.575% 2.60% Open
Special 84-Month Share Certificate4 84 months $1,000.00 3.02% 3.05% 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 8-Month Certificate offer and stated APY may change at any time. APY effective August 14, 2019, is 2.05%; interest rate is 2.03%. 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 8-Month Certificates will automatically renew at the 12-Month share certificate rate and term. Each individual member limited to one Special 8-Month Certificate. Available for non-IRA certificates only. IRA Certificates are excluded from this offer.
  • 2Special 17-Month Certificate offer and stated APY may change at any time. APY effective August 14, 2019, is 2.25%; interest rate is 2.23%. 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.
  • 3Special 55-Month Certificate offer and stated APY may change at any time. APY effective August 14, 2019, is 2.60%; interest rate is 2.575%. 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. The Special 55-Month Certificate has a penalty equal to 360 days of dividends.
  • 4Special 84-Month Certificate offer and stated APY may change at any time. APY effective August 14, 2019, is 3.05%; interest rate is 3.02%. 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 84-Month Certificates will automatically renew at the 84 -Month share certificate rate and term. Each individual member limited to one Special 84-Month Certificate. The Special 84-Month Certificate has a penalty equal to 360 days of dividends.
  • 5Certificate must be opened with a minimum $50.00 deposit; 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).
  • 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; certificate 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 $1,000 deposit; must maintain a minimum $1,000 balance to earn the advertised APY/bumped APY.


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. 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.