Special Offers

Balance Transfer

How Much Could You Save?

Transfer your high-rate loan balances to a Visa Platinum Rewards or Simplicity credit card at Andrews Federal for a better way to balance your budget and save money in the New Year. You'll get 5.99% APR* for every balance that you transfer for the life of the balance now through March 15, 2019.  

  • 5.99% APR* Special Balance Transfer Offer†
  • NO Balance Transfer Fee or Annual Fee
  • 5.99% APR* applies for the Life of the Balance
  • Visa Platinum Rewards or Simplicity Credit Card
  • January 1, 2019 through March 15, 2019

Not a member? Not a problem!

There are many ways you can join. Military or federal agency affiliation is not required to become a member and there are many membership eligibility options. You can join if you belong to the American Consumer Council, which is open to all consumers, or if you live, work, attend school, or worship in Washington, DC, and more. 

How Do I Transfer?

After activating your new credit card, log into online banking.

  1. Click the “Credit Card” tab.
  2. Under the “Services” tab, click on “Balance Consolidation”.
  3. Enter the name and address of the credit card company where you are transferring the balance from, your account number there, and the amount you want to transfer.

 

Visa Titanium Signature Rewards

Apply

Introductory Rate Special Offer - 0% APR for 12 months on purchases and balance transfers processed within 90 days of account opening date.

Variable Interest Rate - 7.99% - 18.00% APR*

Rewards

Credit Limits - $10,000 to $50,000

Annual Fees - None

Balance Transfer Fees - 1.50% of the transfer amount or $50; whichever is greater

Foreign Transaction Fees – None

Security - EMV Chip and PIN enabled

Late Charges - $25.00

Payment Options

  • Online Banking – Pay or view your loan in online banking by clicking on the Transfers tab.  You choose when you want to make the payment and can set up automatic, recurring payments.  Rest assured that your payment will be made on time. Log in now to online banking.
  • Online Payments from another bank or credit union – Choose to pay your credit card from another financial institution.  Log in to online banking and click on the Credit Card tab. Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment.
  • Visa Access Online Payments – If you use Visa Access to manage your credit card, you can also pay your credit card online.  Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment. 
  • Mobile App – Pay or view your loan using our Mobile App, which gives you instant, on-the-go access to your accounts.  Download the app now.
  • Payroll deductions – Use your payroll wisely by allocating funds from your payroll to pay your loan automatically every month.  Your loan will be paid every time your payroll is deposited.
  • Pay by check – Mail a check payment to Andrews Federal Credit Union, P.O. Box 3000, Clinton, MD 20735-6001.
  • Visit a branch – Stop by your local branch to make a loan payment.  Click here to find your closest branch.

Can I select my own PIN number (or change it)? - Yes, call 1.888.886.0083

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (2.74%) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate cannot change more than once per year, and it cannot exceed 18.00% APR.

Visa Platinum Rewards

Apply

Variable Interest Rate - 9.99% - 18.00% APR*

Rewards

  • Bonus Points: 5,000 points with first purchase
  • Earn 1 point per $1.00 spent
  • Points can be redeemed for travel, merchandise and more. Click here to learn about CURewards®
  • Travel and protection benefits

Credit Limits - $1,000 to $50,000

Annual Fees – None

Balance Transfer Fees – None

Foreign Transaction Fees – None

Security - EMV Chip and PIN enabled

Late Charges - $25.00

Payment Options

  • Online Banking – Pay or view your loan in online banking by clicking on the Transfers tab.  You choose when you want to make the payment and can set up automatic, recurring payments.  Rest assured that your payment will be made on time. Log in now to online banking.
  • Online Payments from another bank or credit union – Choose to pay your credit card from another financial institution.  Log in to online banking and click on the Credit Card tab. Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment.
  • Visa Access Online PaymentsIf you use Visa Access to manage your credit card, you can also pay your credit card online.  Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment. 
  • Mobile App – Pay or view your loan using our Mobile App, which gives you instant, on-the-go access to your accounts.  Download the app now.
  • Payroll deductions – Use your payroll wisely by allocating funds from your payroll to pay your loan automatically every month.  Your loan will be paid every time your payroll is deposited.
  • Pay by check – Mail a check payment to Andrews Federal Credit Union, P.O. Box 3000, Clinton, MD 20735-6001.
  • Visit a branch – Stop by your local branch to make a loan payment.  Click here to find your closest branch.

Can I select my own PIN number (or change it)? - Yes, call 1.888.886.0083

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (4.74%, 8.74%, 11.74% or more depending on your credit) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate cannot change more than once per year, and it cannot exceed 18.00% APR.

Visa Simplicity

Apply

Variable Interest Rate - 8.99% - 18.00% APR*

Credit Limits - $1,000 to $50,000

Annual Fees – None

Balance Transfer Fees - 3% of the balance transfer amount or $50, whichever is greater

Foreign Transaction Fees – None

Security - EMV Chip and PIN enabled

Late Charges - Up to $25.00

Payment Options

  • Online BankingPay or view your loan in online banking by clicking on the Transfers tab.  You choose when you want to make the payment and can set up automatic, recurring payments.  Rest assured that your payment will be made on time. Log in now to online banking.
  • Online Payments from another bank or credit union – Choose to pay your credit card from another financial institution.  Log in to online banking and click on the Credit Card tab. Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment.
  • Visa Access Online Payments – If you use Visa Access to manage your credit card, you can also pay your credit card online.  Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment. 
  • Mobile App – Pay or view your loan using our Mobile App, which gives you instant, on-the-go access to your accounts.  Download the app now.
  • Payroll deductions – Use your payroll wisely by allocating funds from your payroll to pay your loan automatically every month.  Your loan will be paid every time your payroll is deposited.
  • Pay by check – Mail a check payment to Andrews Federal Credit Union, P.O. Box 3000, Clinton, MD 20735-6001.
  • Visit a branch – Stop by your local branch to make a loan payment.  Click here to find your closest branch.

Can I select my own PIN number (or change it)? - Yes, call 1.888.886.0083

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year. We take the published Prime Rate and add your variable rate margin (3.74%, 7.74%, 10.74%, or more depending on your credit) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January). If the Prime Rate has not changed, your rate will not change. Your rate cannot change more than once per year, and it cannot exceed 18.00%.

Visa Business Rewards

Contact Us

Introductory Interest Rate - 3.25% APR for the first 12 months

Variable Interest Rate – 11.25% - 18.00% APR*

Rewards

Credit Limits - $1,000 to $50,000

Annual Fees - $99.00, waived for the first year

Balance Transfer Fees – None

Foreign Transaction Fees - 1.00% of each transaction (in US Dollars)

Security – Not EMV Chip and PIN Enabled

Late Charges - $35.00
Additionally, if the account goes past due 60 days or more, a penalty rate of 17.99% APR will apply to the outstanding balance, until 6 consecutive payments are made on time.

Payment Options

  • Online Banking – Pay or view your loan in online banking by clicking on the Transfers tab.  You choose when you want to make the payment and can set up automatic, recurring payments.  Rest assured that your payment will be made on time. Log in now to online banking.
  • Online Payments from another bank or credit union – Choose to pay your credit card from another financial institution.  Log in to online banking and click on the Credit Card tab. Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment.
  • Visa Access Online Payments If you use Visa Access to manage your credit card, you can also pay your credit card online.  Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment. 
  • Mobile App – Pay or view your loan using our Mobile App, which gives you instant, on-the-go access to your accounts.  Download the app now.
  • Payroll deductions – Use your payroll wisely by allocating funds from your payroll to pay your loan automatically every month.  Your loan will be paid every time your payroll is deposited.
  • Pay by check – Mail a check payment to Andrews Federal Credit Union, P.O. Box 3000, Clinton, MD 20735-6001.
  • Visit a branch – Stop by your local branch to make a loan payment.  Click here to find your closest branch.

Can I select my own PIN number (or change it)? - Yes, call 1.888.886.0083

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (6.00%) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate cannot change more than once per year, and it cannot exceed 18.00% APR.


Insured by NCUA. We do business in accordance with the Equal Credit Opportunity Act. The special offers are effective as of 01/01/2019 and are subject to change. *APR=Annual Percentage Rate. Rates, terms and conditions are determined based on the credit card type selected and vary based on creditworthiness and other qualifications and are subject to change. Subject to credit approval. Additional restrictions may apply.

†5.99% APR and No Fee Balance Transfer Offer - Offer valid for new and existing qualified Visa Platinum Rewards and Visa Simplicity cardholders during the promotional period of January 1, 2019 through March 15, 2019. Visa Titanium Signature Rewards, Visa Secured Platinum and Visa Business Rewards are not eligible. The credit card must be approved, opened and disbursed between 01/01/2019 and 03/15/2019 (“promotional period”) in order to obtain the 5.99% APR which will apply to any balance transfers made during the promotional period until the balance is paid in full. Rates, terms and conditions are determined based on the credit card type selected and vary based upon creditworthiness and other qualifications and are subject to change.  This offer is non-transferable. Special rates are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. You must transfer balances before March 15, 2019 for the promotional APR to apply. If you transfer a balance after that date, we may still honor the balance transfer but you will not receive the promotional APR. Instead, the standard APR for cash advances will apply. Balance transfers or cash advances do not earn CURewards points. To the extent your payments exceed the minimum payment due each billing period, we will apply them to the balances with higher rates prior to the balances with lower rates. Balance transfers are treated as and considered cash advances as described in your Credit Card Agreement, will begin to accrue finance charges from the date it is posted to your account, and is subject to credit availability. No grace period on cash advances and balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. It may take up to three (3) weeks to post the balance transfer transaction. You should continue to make all required payments until you confirm that the balance transfer was made. Andrews Federal Credit Union will not be responsible for any finance charges or late fees incurred due to your nonpayment. If you transfer your entire balance in order to close an external account, you must contact the issuer directly. We will not close your accounts with other financial institutions.

To receive any loan product, you must be a member of Andrews Federal Credit Union. 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.

Special Share Certificates

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.  Get our best share certificate rates now with these limited time offers. Open an account today! 

  • 8-Month Share Certificate with 2.86% APY1
  • 9-Month Share Certificate with 2.75% APY2
  • 17-Month Share Certificate with 2.25% APY3
  • 30-Month Share Certificate with 2.55% APY4
  • 55-Month Share Certificate with 3.05% APY5
  • 84-Month Share Certificate with 3.45% APY6 

Start Saving for the Future Today

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

Table data for Special Certificate Rates
 Rates Effective 02-18-2019
Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
Special 8-Month Share Certificate1 8 months $1,000.00 2.820% 2.86% Open
Special 9-Month Share Certificate2 9 months $1,000.00 2.72% 2.75% Open
Special 17-Month Share Certificate3 17 months $1,000.00 2.23% 2.25% Open
Special 30-Month Share Certificate4 30 months $1,000.00 2.53% 2.55% Open
Special 55-Month Share Certificate5 55 months $1,000.00 3.02% 3.05% Open
Special 84-Month Share Certificate6 84 months $1,000.00 3.392% 3.45% Open
The Generator7 12 months $50.00 0.40% 0.40% Open
The Generator7 24 months $50.00 0.45% 0.45% Open
The Generator7 36 months $50.00 0.55% 0.55% Open
Bump It Up Certificate8 24 months $1,000.00 1.00% 1.00% Open
Bump It Up Certificate8 36 months $1,000.00 1.25% 1.26% Open
Bump It Up Certificate9 48 months $1,000.00 1.45% 1.46% Open
  • 1Special 8-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective November 23, 2018, is 2.86%; interest rate is 2.820%. 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 during the promotional period. Available for non-IRA certificates only.
  • 2Special 9-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective July 5, 2018, is 2.75%; interest rate is 2.722%. 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 9-Month Certificates will automatically renew at the 12-Month share certificate rate and term. Each individual member limited to one Special 9-Month Certificate during the promotional period. Penalties apply for early withdrawal; fees may reduce earnings on the account. Early withdrawal penalties (a penalty may be imposed for principal withdrawals before maturity): If your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends. If your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends. Available for only non-IRA certificates.
  • 3Special 17-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective April 30, 2018, is 2.25%; interest rate is 2.231%. 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 during the promotional period.
  • 4Special 30-Month Certificate offer and stated APY also available for a limited time only and may change at any time. APY effective April 30, 2018, is 2.55% interest rate is 2.526%. Certificate has $1,000 minimum and a $250,000 maximum balance. Must maintain a minimum $1,000 balance to earn the advertised APY. At maturity, all 30-Month Certificates will automatically renew at the 24-Month share certificate rate and term. Each individual member limited to one Special 30-Month Certificate during the promotional period.
  • 5Special 55-Month Certificate offer and stated APY available for a limited time only and 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 during the promotional period. Penalties apply for early withdrawal; fees may reduce earnings on the account. Early withdrawal penalties (a penalty may be imposed for principal withdrawals before maturity): If your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends. If your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 360 days of dividends.
  • 6Special 84-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective November 23, 2018, is 3.45 %; interest rate is 3.392%. 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 during the promotional period.
  • 7Certificate must be opened with a minimum $50.00 balance; 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). Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings.Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.
  • 8Bump 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; CD 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 $1000 balance; must maintain a minimum $1000 balance to earn the advertised APY/bumped APY. Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Click here for more information on share insurance coverage.
  • 92Special 84-Month Certificate offer and stated APY available for a limited time only and may change at any time. APY effective November 23, 2018, is 3.45 %; interest rate is 3.392%. 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 during the promotional period.

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.

 

Military Saves WeekSpecial 6 Month 3.25% APY* Share Certificate Available During Military Saves Week  

Every year, military installations and organizations around the world join forces to motivate, support, and encourage service members and military families to save money, reduce debt, and build wealth through a week of financial focus and education. Andrews Federal Credit Union is a proud partner of the Military Saves Campaign.

In celebration of Military Saves Week, we encourage you to:

  • Open a limited-time only Special 6 Month Share Certificate with 3.25% APY* during the week of February 25 through March 2
  • Take the Military Saves Pledge to "Set a Goal. Make a Plan. Save Automatically."
  • Join us for a free seminar focusing on 2019 Tax Planning Strategies, Thursday, February 28th @ 6 pm @ our Allentown Road location. Learn about recent tax reform, maximizing your 2018 return, proactive strategies for 2019, and special tips for service members. Enroll today

Open a 6 Month Share Certificate Between February 25 - March 2

Not a member? Not a problem!

There are many ways you can join. Military or federal agency affiliation is not required to become a member and there are many membership eligibility options. You can join if you belong to the American Consumer Council, which is open to all consumers, or if you live, work, attend school, or worship in Washington, DC, and more. 


Federally Insured by NCUA. *APY = Annual Percentage Yield. Deposits are allowed in branch, through automatic direct deposits, and online (as transfers from another share account). Penalties apply for early withdrawal. Fees may reduce earnings. Deposits are insured up to at least $250,000 per individual depositor. 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. Special 6-Month Certificate offer and stated APY available February 25 through March 2, 2019 and may change at any time. APY effective February 25, 2019 is 3.25%; interest rate is 3.21%. Certificate has a $1,000 minimum to earn the advertised APY and a $250,000 maximum balance. At maturity, all Special 6-Month Certificates will automatically renew at the regular 6-Month share certificate rate and term. Each individual member limited to one Special 6-Month Certificate during the promotional period. 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.