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Beware of Fraud Scams

We’re aware of a new fraud attempt going out on pink postcards being mailed to Andrews Federal Credit Union members. The postcard states that there is an issue with your mortgage and to call a toll-free number. This communication is not from Andrews Federal. If you receive any communications that appears to be from Andrews Federal Credit Union asking for sensitive account information – IT IS A SCAM! Visit our Security Center for more guidance on how to protect yourself.

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Skip-A-Pay

No loan payment this month? No worries.
  • Skip up to two loan payments per year
  • Low fee of $25 per skipped payment
  • Part of your fee goes to charity

Sometimes money can be tight. So we've loosened our rules.

We don't always earn the same amount every month, or have the exact same expenses. When your income is running a little low or your costs a little high, you can make ends meet by skipping one of your Andrews Federal loan payments a couple times a year.

You come out way ahead.

See if you qualify to skip a loan payment:

  • Log into Digital Banking
  • Go to Loan Services
  • Select Skip a Payment

Here are some rules you should be aware of:

  1. You must make at least six months of payments before your loan becomes eligible. 
  2. Interest will continue to accrue on your loan.
  3. Only two payments per year may be skipped. And there must be six months between each skip.
  4. No more than six payments may be skipped over the life of a loan.
  5. Some auto loans may have additional restrictions based on your loan contract and optional GAP coverage.  
  6. Mortgage loans, home equity loans, lines of credit, and cash-to-go are not eligible.
  7. Members with a charge-off share or loan, negative share balance, delinquent loan, or are currently in Bankruptcy status are not eligible.
  8. Loan payments currently due or paid ahead more than a month are not eligible.

STILL HAVE QUESTIONS?

Log in to Digital Banking and go to Main Menu/Card Services, then Card Management, and select the image of your card, then toggle the Enable/Disable Card option.

Yes, similar to the way that FDIC insurance protects bank customers' deposits, the NCUA (National Credit Union Administration) protects credit union member deposits up to $250,000 for each individual depositor. For additional information about NCUA's share insurance, visit mycreditunion.gov. 

If you purchased GAP from your dealership, you should contact them directly to file your claim. If you purchased from us or RateGenius.com, we will file the claim on your behalf. To do so we will need documentation from your insurance provider including the market valuation report, the total loss settlement statement, settlement check, cause of loss letter (if purchase from us) and the police report if applicable. This info can be faxed to 301-702-5323 or emailed to [email protected]. Make sure that you have a valid email address on file with us so that our communications can be received.

We have loan options for members with limited or no credit history including Share and Certificate Secured Loans, a Share and Certificate secured Visa and the Cash to Go loan.

Please allow 10 days for your title to be released once your loan is paid in full. The title documents will be released to the address we have on file. The timeframe to receive your title will vary depending on whether you have an electronic or paper title.

If you have misplaced your released title, you may request a Lien Release Letter from us. You will take the Lien Release Letter to the DMV and request a duplicate title from them. You can request this letter in your online banking secure messages, in a branch, or by calling 800-487-5500, ext 5711.

If you are a third party requesting a Vehicle Lien Release Letter, please fax us your request along with the borrower's signed authorization to release information to 301-702-5323.

Unfortunately, you cannot pay your escrow short online. Mail a check with “Mortgage Escrow Shortage” written in the Memo line, to:
Andrews Federal Credit Union
ATTN: Mortgage Department
P.O. Box 3000
Clinton, MD 20735-6001

No, you are welcome to pay your loan off early at any time without penalty.

You can apply for a loan online by selecting the "Apply for a Loan" option which is listed at a "Common Task" under the "Borrow" section of this website.

You may make a single loan payment up to $2,500. If you need to make a larger payment, we suggest making multiple payments, not exceeding the total loan amount. If your mortgage payment is more than $2,500, you will need to make multiple payments.

You can pay any type of loan. However, the loan must not be past due by 45 days, or more.

There are no fees when making a payment online. However, payments made over the phone are subject to a $14.95 processing fee.

Anyone with a Loan or Visa with Andrews Federal can create a login and password. You may also choose not to create a login or password. Instead, you may make a one time payment; the system will not store your information.

A confirmation email will be sent when you make a loan payment online. 

It is a requirement of Andrews Federal Credit Union that while your vehicle is financed with the Credit Union, you carry full coverage insurance on that vehicle. Should you fail to maintain the required insurance throughout the life of the loan, the Credit Union may purchase a policy for its own protection and pass the cost of the policy on to you, the borrower.

Please refer to the following primary insurance requirements:

  • Continuous insurance coverage with no lapses
  • Andrews Federal Credit Union, PO BOX 924539 Fort Worth, TX 76124 named as lien holder or loss payee
  • Comprehensive and collision coverage (or physical damage) with deductibles not greater than $1000
  • Proper collateral listed (VIN, Make, Model must all match what is listed on the loan documentation)
  • No restricted drivers

Please have your insurance company fax a declaration page showing the above coverage to 877-845-4631 or you may upload insurance directly to myloaninsurance.com/andrewsfcu.org

You may also call our insurance department directly with questions at 877-576-7640.

If you are planning to store your vehicle, approval is needed. Please contact us through your online banking secure messaging, in branch, or by calling 800-487-5500 for the requirements and necessary documentation.

It is a requirement of Andrews Federal Credit Union that while your vehicle is financed with the Credit Union, you carry full coverage insurance on that vehicle. Should you fail to maintain the required insurance throughout the life of the loan, the Credit Union may purchase a           policy for its own protection and pass the cost of the policy on to you, the borrower. Please refer to the following primary insurance requirements:

  • Continuous insurance coverage with no lapses
  • Andrews Federal Credit Union, PO BOX 924539 Fort Worth, TX 76124 named as lien holder or loss payee
  • Comprehensive and collision coverage (or physical damage) with deductibles not greater than $1000
  • Proper collateral listed (VIN, Make, Model must all match what is listed on the loan documentation)
  • No restricted drivers

Please have your insurance company fax a declaration page showing the above coverage to 877-845-4631 or you may upload insurance directly to myloaninsurance.com/andrewsfcu.org.

You may also call our insurance department directly with questions at 877-576-7640.

If you are planning to store your vehicle, approval is needed. Please contact us through your online banking secure messaging, in branch, or by calling 800-487-5500 for the requirements and necessary documentation.

Please note that full coverage is still required while your vehicle is being shipped.

Andrews Federal will call you if your payment was returned. Returned payments are subject to Non-Sufficient Fund Fees/ACH. Please see Account Fee's for more information.  

Shipping letters may be requested through Digital Banking secure messaging, in a branch, or by calling 800-487-5500, ext 5711. Please be sure to provide the following information when requesting a shipping letter.

  • Shipping destination
  • Shipping date

*Please note that full coverage is still required while your vehicle is being shipped.

Principal Only Payments are available on mortgage loan products only. Consumer loans are not eligible for principal only payments. On consumer loans, interest accrues daily. Each time you make a payment, the payment will first satisfy interest for the amount of days it has been since the last payment (or date of loan origination, if no first payment has been made.)

Follow the instructions below for an easy way to calculate the interest on your loan.

  1. Multiply the unpaid balance times the interest rate.
  2. Multiply the answer obtained in step one times the exact number of days between the loan disbursement (if the 1st payment) or payments.
  3. Divide the answer obtained in step two by 365 (number of days in a year) and this will equal the interest charged as reflected on your statement.

Good News: You may pay more than the amount due each month. Paying more than your required monthly payment can reduce the amount of interest you pay, and shorten the overall length of your loan. You may make additional payments to the loan at any time, however they will first satisfy any interest accrued and then they will go to any fees and then the principal.

You may make a loan payment up to 30 days in advance. 

You may pay any amount, up to the maximum of $2,500 per transaction.

No. Loans cannot be paid in advance. A payment is required to be made on your loan(s) each month, as stated in your loan closing documents.   

Log into digital banking and go to 'Loan Services', then go to 'Make a Loan Payment', and choose the frequency of the payment and start date.

Your username is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set your account back up.

Yes, you can only make a total of four (4) online loan payment transactions. 

You do not have the ability to cancel your own transactions through the payment system. For same day, or postdated payments, you may contact us for assistance. Or respond to your confirmation email and we can cancel the payment for you (must email before 5:00 PM EST, or call before 7:00 PM EST).

We do not encourage you to use the online loan payment system to pay off your loan. Please contact us to get your exact payoff amount to avoid any shortage in payment. 

See All FAQs

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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.