Share Certificates

Our fixed-rate Share Certificates are your best option for earning higher dividends on your money. With a wide variety of Special Share Certificates and other certificate options, you can create a custom savings plan that meets your specific short or long-term savings goals.

Share Certificate Specials

  • 8-Month Share Certificate with 2.86% APY1
  • 17-Month Share Certificate with 2.95% APY2
  • 55-Month Share Certificate with 3.05% APY3
  • 84-Month Share Certificate with 3.45% APY4
  • Generator Share Certificate - Open with only a $50 minimum
  • Bump It Up Share Certificate - Inflate your rate one time during the term

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Not a member? It's easy to join Andrews Federal in just minutes. Already a member? Log into online banking to and click the Options and Extras tab to add a Share Certificate to your account.

Table data for Special Certificate Rates
 Rates Effective 06-18-2019
Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
Special 8-Month Share Certificate1 8 months $1,000.00 2.83% 2.86% Open
Special 17-Month Share Certificate2 17 months $1,000.00 2.92% 2.95% Open
Special 55-Month Share Certificate3 55 months $1,000.00 3.02% 3.05% Open
Special 84-Month Share Certificate4 84 months $1,000.00 3.41% 3.45% 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 APYmay change at any time. APY effective November 23, 2018, is 2.86%; interest rate is 2.83%. 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 April 15, 2019, is 2.92%; interest rate is 2.95%. 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 July 5, 2018, is 3.05%; interest rate is 3.016%. 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 November 23, 2018, is 3.45 %; interest rate is 3.41%. 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.

Table data for Share Certificate
 Rates Effective 06-18-2019
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 06-18-2019
Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
6-month $1,000 0.55% 0.55% Receive a notification when this rate changes
12-month $1,000 1.40% 1.41% Receive a notification when this rate changes
24-month $1,000 1.44% 1.45% Receive a notification when this rate changes
36-month $1,000 1.49% 1.50% Receive a notification when this rate changes
48-month $1,000 1.60% 1.61% Receive a notification when this rate changes
60-month $1,000 1.90% 1.91% Receive a notification when this rate changes
72-month $1,000 2.08% 2.10% Receive a notification when this rate changes
84-month $1,000 2.18% 2.20% 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 06-18-2019
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 06-18-2019
Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
6-month $10,000 0.60% 0.60% Receive a notification when this rate changes
12-month $10,000 1.44% 1.45% Receive a notification when this rate changes
24-month $10,000 1.49% 1.50% Receive a notification when this rate changes
36-month $10,000 1.54% 1.55% Receive a notification when this rate changes
48-month $10,000 1.75% 1.76% Receive a notification when this rate changes
60-month $10,000 2.00% 2.02% 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.


Additional Share Certificate Disclosures - 

Penalties apply for early withdrawal; fees may reduce earnings on the account. 

  • With the exception of the Special 55-Month and 84-Month Share Certificates, 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 Special 55-Month and 84-Month Share Certificates, if your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends. 

Federally Insured by NCUA. APY = Annual Percentage Yield. Dividends are compounded and credited quarterly. Deposits are insured up to at least $250,000 per individual depositor. Click here for more information on share insurance coverage.  Must be a member of the credit union to open any deposit account.  

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.

About Datatrac - Datatrac is an independent, unbiased research firm that has monitored deposit and loan rates, fees and product features for over 25 years on more than 213,870 financial institutions in America. Datatrac Great Rate Awards® certify that deposit and loan rates outperform the market average for comparable products. To learn more, please visit www.GreatRateAward.com. Datatrac Great Rate Awards® and data contained in this report are subject to a licensing agreement which may be viewed at www.datatrac.net/eula. Any other use is strictly prohibited. The analysis presented herein is the sole opinion of Datatrac and is based upon independent research conducted by Datatrac and its partners. Research is conducted on a reasonable efforts basis and may or may not represent all institutions or products in a market. Datatrac Great Rate Award® is a registered trademark of Datatrac. Copyright © 2019 Datatrac.

Based upon an analysis of 127,935 banking locations in the United States as of 02/25/2019, 21% is the difference between the percent earned in interest between Andrews Federal Credit Union's rate at 1.55% APR compared to 1.28% APR for the National market average over the life of a 3 year certificate of deposit (CD) at $100,000 over 36 months.