Rates

Printable Rates

Table data for New and Used Auto Loans
 Rates effective 07-17-2018
New Auto1 APR as low as2 Payment Per
$1,000 Borrowed
Alert Me
36 months 1.89% $28.60 Apply Receive a notification when this rate changes
48 months 2.59% $21.96 Apply Receive a notification when this rate changes
60 months 2.99% $17.97 Apply Receive a notification when this rate changes
72 months3 3.24% $15.31 Apply Receive a notification when this rate changes
84 months4 4.24% $13.79 Apply Receive a notification when this rate changes
Used Auto1 Alert Me
36 months 2.24% $28.75 Apply Receive a notification when this rate changes
48 months 3.09% $22.18 Apply Receive a notification when this rate changes
60 months 3.24% $18.08 Apply Receive a notification when this rate changes
72 months3 3.74% $15.53 Apply Receive a notification when this rate changes
84 months4 4.74% $14.02 Apply Receive a notification when this rate changes
Late loan payments (10 days after due date) are subject to fee of 5% of payment or $25.00, whichever is greater.
  • 1A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle.
  • 2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Maximum loan amount is $150,000. Loan amount cannot exceed 120% of the MSRP or NADA value of vehicle. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products.
  • 3Term of 72 months requires minimum loan amount of $18,000.
  • 4Term of 84 months requires minimum loan amount of $20,000.

Printable Rates

Table data for New and Used Boat Loans
 Rates effective 07-17-2018
New Boat Loans1 APR as low as2 Payment Per
$1,000 Borrowed
Alert Me
36 months 6.24% $30.54 Apply Receive a notification when this rate changes
48 months 6.74% $23.83 Apply Receive a notification when this rate changes
60 months 7.24% $19.92 Apply Receive a notification when this rate changes
72 months3 7.74% $17.41 Apply Receive a notification when this rate changes
84 months4 8.24% $15.71 Apply Receive a notification when this rate changes
Used Boat Loans1 Alert Me
36 months 7.24% $31.00 Apply Receive a notification when this rate changes
48 months 7.74% $24.30 Apply Receive a notification when this rate changes
60 months 8.24% $20.40 Apply Receive a notification when this rate changes
72 months3 8.74% $17.91 Apply Receive a notification when this rate changes
84 months4 9.24% $16.22 Apply Receive a notification when this rate changes
Late loan payments (10 days after due date) are subject to fee of 5% of payment or $25.00, whichever is greater.
  • 1A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle.
  • 2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or NADA value of vehicle, not to exceed $50,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products.
  • 3Term of 72 months requires minimum loan amount of $18,000.
  • 4Term of 84 months requires minimum loan amount of $20,000.

Printable Rates

Table data for New and Used Motorcycle Loans
 Rates effective 07-17-2018
Harley Davidson
Motorcycles
APR as low as1 Payment Per
$1,000 Borrowed
Alert Me
36 months 5.14% $30.04 Apply Receive a notification when this rate changes
48 months 5.64% $23.33 Apply Receive a notification when this rate changes
60 months 6.14% $19.41 Apply Receive a notification when this rate changes
72 months2 6.64% $16.88 Apply Receive a notification when this rate changes
84 months3 7.14% $15.17 Apply Receive a notification when this rate changes
New Motorcycle Loans
(non Harley Davidson)4
Alert Me
36 months 6.14% $30.49 Apply Receive a notification when this rate changes
48 months 6.64% $23.79 Apply Receive a notification when this rate changes
60 months 7.14% $19.88 Apply Receive a notification when this rate changes
72 months2 7.64% $17.37 Apply Receive a notification when this rate changes
84 months3 8.14% $15.66 Apply Receive a notification when this rate changes
Used Motorcycle Loans
(non Harley Davidson)4
Alert Me
36 months 6.74% $30.77 Apply Receive a notification when this rate changes
48 months 7.24% $24.07 Apply Receive a notification when this rate changes
60 months 7.74% $20.16 Apply Receive a notification when this rate changes
72 months2 8.24% $17.66 Apply Receive a notification when this rate changes
84 months3 8.74% $15.97 Apply Receive a notification when this rate changes
  • 1APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or NADA value of vehicle, not to exceed $50,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products.
  • 2Term of 72 months requires minimum loan amount of $18,000.
  • 3Term of 84 months requires minimum loan amount of $20,000.
  • 4A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle.

Printable Rates

Table data for New and Used Recreational Vehicle Loans
 Rates effective 07-17-2018
New Recreational Vehicles1 APR as low as2 Payment Per
$1,000 Borrowed
Alert Me
36 months 6.74% $30.77 Apply Receive a notification when this rate changes
48 months 7.24% $24.07 Apply Receive a notification when this rate changes
60 months 7.74% $20.16 Apply Receive a notification when this rate changes
72 months3 8.24% $17.66 Apply Receive a notification when this rate changes
84 months4 8.74% $15.97 Apply Receive a notification when this rate changes
Used Recreational Vehicles1 Alert Me
36 months 7.24% $31.00 Apply Receive a notification when this rate changes
48 months 7.74% $24.30 Apply Receive a notification when this rate changes
60 months 8.24% $20.40 Apply Receive a notification when this rate changes
72 months3 8.74% 417.91 Apply Receive a notification when this rate changes
84 months4 9.24% $16.22 Apply Receive a notification when this rate changes
Late loan payments (10 days after due date) are subject to fee of 5% of payment or $25.00, whichever is greater.
  • 1A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle.
  • 2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 100% of the MSRP or NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products.
  • 3Term of 72 months requires minimum loan amount of $18,000.
  • 4Term of 84 months requires minimum loan amount of $20,000.

Printable Rates

Table data for Mortgage Rates
Conventional Loans
Rate
APR
Points
5/5 ARM 3.750% 4.223% 1.000%
5/1 ARM 3.500% 3.812% 1.000%
7/1 ARM 3.625% 3.842% 1.000%
10/1 ARM 3.875% 3.980% 1.000%
30 Year Fixed Rate 4.375% 4.555% 1.250%
15 Year Fixed Rate 3.875% 4.148% 1.000%
Jumbo Loans
Rate
APR
Points
Andrews Jumbo 30 Year 4.625% 4.776% 1.500%
Andrews Jumbo 15 Year 4.125% 4.309% 1.000%
Jumbo 5/5 ARM 4.500% 4.361% 0.000%

Table data for Home Equity Lines of Credit - Variable Rate
 Rates Effective 07-17-2018
Line Amount APR Maximum Loan to Value Alert Me
$25,000 - $350,000 As low as WSJ Prime 95% Apply
*Upon expiration of the introductory rate, all balances will accrue interest at the variable APR (Annual Percentage Rate) in effect for your account. Variable rate is based on The Wall Street Journal Prime Rate plus a margin, adjusted quarterly. The minimum APR is 4.00% with a maximum APR of 18.00%. Subject to credit and property approval. Minimum loan amount is $25,000. Maximum loan amount will be based on the amount of equity available, based on the appraised value of your home. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Property insurance is, and flood insurance may be, required. Consult your tax advisor regarding the deductibility of interest. Additional restrictions may apply. Rates and APRs are subject to change without notice.

Table data for Home Equity Loans (Owner Occupied) Rates
 Rates Effective 07-17-2018
Term APR (as low as) Mimimun Loan Amount Monthly Payment Per Every $1,000 Borrowed Maximum Loan to Value Alert Me
84 months 4.50% $25,000 $13.91 95% Apply Receive a notification when this rate changes
120 months 4.75% $25,000 $10.49 95% Apply Receive a notification when this rate changes
144 months 5.00% $25,000 $9.26 95% Apply Receive a notification when this rate changes
180 months 5.25% $25,000 $8.05 95% Apply Receive a notification when this rate changes
Additional rates and terms are available; rates, terms and conditions may vary based on creditworthiness and qualifications and are subject to change. Subject to credit and property approval. Maximum loan amount will be based on the amount of equity available, based on the appraised value of the property. Appraisal is required – fee is paid upfront and is non-refundable. Closing costs vary and will depend on the location of the property and the amount of the loan. Property insurance is, and flood insurance may be, required. Consult your tax advisor regarding the deductibility of interest. Additional restrictions may apply. Payment examples do not include taxes or insurance premiums, your actual payment may be higher. Escrow account may be required. Rates and APRs are subject to change without notice.

Printable Rates

Table data for Personal Loan Rates
 Rates effective 07-17-2018
Unsecured, Bill Consolidation, Signature1 APR as low as2 Payment Per
$1,000 Borrowed
Alert Me
36 months 6.99% $30.88 Apply Receive a notification when this rate changes
48 months 7.39% $24.14 Apply Receive a notification when this rate changes
60 months 8.99% $20.77 Apply Receive a notification when this rate changes
72 months 9.49% $18.28 Apply Receive a notification when this rate changes
84 months 9.99% $16.61 Apply Receive a notification when this rate changes
Late loan payments (10 days after due date) are subject to fee of 5% of payment or $25.00, whichever is greater.
  • 1Minimum loan amount of $1000. Maximum loan amount of $50,000. For loan amounts less than $5000, there is a 48 month maximum term. Personal loan terms greater than 60 months requires a minimum loan amount of $10,000.
  • 2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Additional restrictions may apply. Subject to credit approval. Payments per $1000 examples are based on a sample loan balance of $10,000 at the rate and term shown. Existing Andrews Federal personal loans cannot be refinanced at the rates and terms shown unless you are financing an additional amount of $1000 or more plus the existing loan balance.

Printable Rates

Table data for Premier Line of Credit
 
Credit Limit APR as low as Alert Me
$50,0001 11.50% (Variable)2 Apply Receive a notification when this rate changes
  • 1Minimum line amount for Overdraft Line of Credit is $1000. Minimum line amount for Premier Line of Credit is $5000.
  • 2APR (Annual Percentage Rate) is variable and based on the Wall Street Journal Prime Rate plus a margin, adjusted quarterly. The rate margin for the Overdraft Line of Credit is Prime plus 10.75%. The rate margin for the Premier Line of Credit is Prime plus 6.75%. Maximum APR is 18.00% for both the Overdraft and Premier Lines of Credit. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Additional restrictions may apply. Rates and APRs are subject to change without notice.

Table data for Visa Rewards Credit Cards
 Rates Effective 07-17-2018
Credit Limit APR Alert Me
Titanium Up to $50,000 6.99% (variable)1 Apply
Platinum Up to $50,000 8.99% (variable)2 Apply
Platinum Secured Up to $10,000 15.50% (variable)3 Apply
Business Up to $50,000 10.25% (variable) Contact Us
  • 1APR = Annual Percentage Rate. The variable rate margin is the prime rate plus 2.74%. Maximum APR is 18%. The Prime Rate Index used to determine your APR is the rate published in the Wall Street Journal on the 1st day of December and changes are effective as of the 1st day of your next billing cycle.
  • 2APR = Annual Percentage Rate. The variable rate margin is the prime rate plus 4.74%, 8.74%, 11.74% or 18% depending on your credit history. Maximum APR is 18%. The Prime Rate Index used to determine your APR is the rate published in the Wall Street Journal on the 1st day of December and changes are effective as of the 1st day of your next billing cycle.
  • 3APR = Annual Percentage Rate. The variable rate margin is the prime rate plus 11.25%. Maximum APR is 18%. The Prime Rate Index used to determine your APR is the rate published in the Wall Street Journal on the 1st day of December and changes are effective as of the 1st day of your next billing cycle.

Printable Rates

Table data for Advantage Checking
 Rates Effective 07-17-2018
Minimum to Earn APY1 Dividend Rate Annual Percentage Yield (APY) Alert Me
$1500 0.20% 0.20% Open
  • 1Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly. A monthly service fee applies if Advantage Checking balance falls below $1,500.

Table data for Base Share Savings
 Rates Effective 07-17-2018
Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$5 $100 0.31% 0.31% Open
Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly.

Table data for Planners Savings
 Rates Effective 07-17-2018
Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$0 $100 0.31% 0.31% Open
Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly.

Table data for IRA Savings
 Rates Effective 07-17-2018
Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
N/A $100 0.310% 0.310% Open

Table data for Holiday Club
 
Minimum to Open Minimum to Earn APY Dividend Rate APY Alert Me
$0 $0 0.40% 0.40% Open
Holiday Club is a variable rate account with an annual maturity date of November 1st; your actual term will vary depending on open date of account. Upon maturity, funds will transfer automatically into your Base Share Savings account. No minimum balance to open or maintain account, and no minimum balance is required to earn the APY. Dividends are compounded and credited quarterly. Fees may reduce earnings on the account. Penalties apply for early withdrawal.

Table data for Vacation Club
 
Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$0 $0 0.40% 0.40% Open
Vacation Club is a variable rate account with an annual maturity date of May 1st; your actual term will vary depending on open date of account. Upon maturity, funds will transfer automatically into your Base Share Savings account. No minimum balance to open or maintain account, and no minimum balance is required to earn the APY. Dividends are compounded and credited quarterly. Fees may reduce earnings on the account. Penalties apply for early withdrawal.

Printable Rates

Table data for Share Certificate
 Rates Effective 07-17-2018
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 07-17-2018
Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
6-month $1,000 0.55% 0.55% 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
72-month $1,000 2.08% 2.10% 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 Jumbo Share Certificates
 Rates Effective 07-17-2018
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 07-17-2018
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.

Printable Rates

Table data for Money Market
 Rates Effective 07-17-2018
Dividend Rate Tiers Dividend Rate Annual Percentage Yield (APY) Alert Me
$.01 - 999.99 0.25% 0.25% Open Receive a notification when this rate changes
$1,000 - 9,999.99 0.35% 0.35% Open Receive a notification when this rate changes
$10,000 - 24,999.99 0.40% 0.40% Open Receive a notification when this rate changes
$25,000 - 49,999.99 0.40% 0.40% Open Receive a notification when this rate changes
$50,000 - 74,999.99 0.50% 0.50% Open Receive a notification when this rate changes
$75,000 - 99,999.99 0.50% 0.50% Open Receive a notification when this rate changes
$100,000 - 149,999.99 0.60% 0.60% Open Receive a notification when this rate changes
$150,000 and more 0.60% 0.60% Open Receive a notification when this rate changes
Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly. Minimum balance to open and maintain account is $1000; low balance fee applies if account balance falls below $1000. Excess transaction fee applies if you make more than six transfers or withdrawals from your money market account in a calendar month.

Table data for IRA Money Market
 Rates Effective 07-17-2018
Dividend Rate Tiers Dividend Rate Annual Percentage Yield (APY) Alert Me
$.01 - 999.99 0.25% 0.25% Open Receive a notification when this rate changes
$1,000 - 9,999.99 0.35% 0.35% Open Receive a notification when this rate changes
$10,000 - 24,999.99 0.40% 0.40% Open Receive a notification when this rate changes
$25,000 - 49,999.99 0.40% 0.40% Open Receive a notification when this rate changes
$50,000 - 74,999.99 0.50% 0.50% Open Receive a notification when this rate changes
$75,000 - 99,999.99 0.50% 0.50% Open Receive a notification when this rate changes
$100,000 - $149,999.99 0.60% 0.60% Open Receive a notification when this rate changes
$150,000 and more 0.60% 0.60% Open Receive a notification when this rate changes
Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly. Minimum balance to open and maintain account is $1000; low balance fee applies if account balance falls below $1000. Excess transaction fee applies if you make more than six transfers or withdrawals from your money market account in a calendar month.

Printable Rates

Table data for Base Share Savings
 Rates Effective 07-17-2018
Minimum to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$5 $100 0.31% 0.31% Open
Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly.

Table data for Business Planning Savings
 Effective 07-17-2018
Annual Percentage Yield Minimum to Earn APY Alert Me
Business Planning Savings .10% $100

Table data for Business Partnership Checking
 Effective 07-17-2018
Minimum to Earn APY Annual Percentage Yield Alert Me
$5,000 .05%