New members can open a 6-month, 12-month, and/or 24-month share certificate during the membership application process. All other share certificates may be opened in Digital Banking after opening your membership account. Existing members can open share certificate accounts directly in Digital Banking. Need to enroll? Enroll now.
Important Information about the Account Opening Process
Raise Your Rate Share Certificate2
Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.
| Term | Minimum to Open | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 24 - month | $1,000 | 4.232% | 4.30% |
| 36 - Month | $1,000 | 4.038% | 4.10% |
| 48 - Month | $1,000 | 3.893% | 3.95% |
Fixed Rate Share Certificates3
Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.
| Term | Minimum to Open | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 6-month | $1,000 | 3.016% | 3.05% |
| 12-month | $1,000 | 4.571% | 4.65% |
| 24-month | $1,000 | 3.990% | 4.05% |
| 36-month | $1,000 | 3.796% | 3.85% |
| 48-month | $1,000 | 3.650% | 3.70% |
| 60-month | $1,000 | 3.601% | 3.65% |
| 84-month | $1,000 | 3.065% | 3.10% |
Jumbo Fixed Rate Share Certificates4
Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.
| Term | Minimum to Open | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 6-month | $10,000 | 3.065% | 3.10% |
| 12-month | $10,000 | 4.668% | 4.70% |
| 24-month | $10,000 | 4.038% | 4.10% |
| 36-month | $10,000 | 3.844% | 3.90% |
| 48-month | $10,000 | 3.698% | 3.75% |
| 60-month | $10,000 | 3.650% | 3.70% |
| 84-month | $10,000 | 3.065% | 3.10% |
Traditional, Educational, and Roth IRA Share Certificates5
Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.
| Term | Minimum to Open | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 12-month | $1,000 | 4.571% | 4.65% |
| 24-month | $1,000 | 3.990% | 4.05% |
| 36-month | $1,000 | 3.796% | 3.85% |
| 48-month | $1,000 | 3.650% | 3.70% |
| 60-month | $1,000 | 3.601% | 3.65% |
| 84-month | $1,000 | 3.065% | 3.10% |
Jumbo Traditional, Educational, and Roth IRA Share Certificates6
Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.
| Term | Minimum to Open | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 12-month | $10,000 | 4.668% | 4.70% |
| 24-month | $10,000 | 4.038% | 4.10% |
| 36-month | $10,000 | 3.844% | 3.90% |
| 48-month | $10,000 | 3.698% | 3.75% |
| 60-month | $10,000 | 3.650% | 3.70% |
Generator Share Certificates7
Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important online account funding information for new Share Certificates.
| Certificate Name | Term | Minimum to Open | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| The Generator | 12 months | $50 | 0.897% | 0.90% |
| The Generator | 24 months | $50 | 0.947% | 0.95% |
| The Generator | 36 months | $50 | 0.996% | 1.00% |
Rewarding Checking
Kasasa Cash Checking
We’re always looking for ways to give you more. That includes our outstanding checking options powered by Kasasa. With Kasasa Cash Checking, you can earn higher dividends on your checking account balances — up to 6.00% APY. And, you’ll continue to have access to all the best benefits that come standard with Andrews Federal membership, including Early Direct Deposit, mobile check deposits, Digital Banking access and more.
Now offering members the option to choose high yield or cash back with new checking accounts powered by Kasasa.
Federally Insured by NCUA. APY = Annual Percentage Yield. 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. 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*. Click here for more information on share insurance coverage. Must be a member of the credit union to open any deposit account.
Additional Share Certificate Disclosures:
With the exception of the 84-Month Share Certificate, if your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends. With the exception of the 84-Month Share Certificate, if your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends.
Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey, as well as overseas locations in the Netherlands, Belgium and Germany.