Special Offers

Hurry to take advantage of these limited-time only Share Certificate Specials. Open an account today with as little as $1,000, and you'll get our best share certificate rates. You'll be guaranteed an exact return on your savings as a result of fixed dividend rates. 

9-Month Certificate Special

Don't want to wait all year to see your money grow? With a 2.75% APY1, you won't have to!

55-Month Certificate Special

With an eye towards saving for the future, you're certain to accomplish those goals with a 3.05% APY2

17-Month Certificate Special

 Maintain a saving discipline with this option at 2.25% APY3.

30-Month Certificate Special

At 2.55% APY4, you'll be a savings sleuth in no time.

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 10-20-2018
Certificate Name Term Minimum to Open Dividend Rate Annual Percentage Yield (APY) Alert Me
Special 9-Month Share Certificate1 9 months $1,000.00 2.72% 2.75% Open
Special 55-Month Share Certificate2 55 months $1,000.00 3.02% 3.05% 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
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 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.
  • 2Special 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.
  • 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.
  • 5Certificate 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.
  • 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; 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.

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). 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.

About Datatrac - 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 100,000 banking locations 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 © 2018 Datatrac. Based upon an analysis of 126,643 banking locations in the United States as of 7/23/2018, Andrews Federal Credit Union’s 30 month share certificate at $10,000 outperformed the National average by 214%. 214% is the difference between the percent earned in interest between Andrews Federal Credit Union’s rate at 2.55% APY compared to 0.81% APY for the National market average over the life of a 30 month share certificate or certificate of deposit (CD) at $10,000 over 30 months. 

The Andrews Federal Magic Minute SweepstakesThousands of items. Grab ALL you can during the Andrews Federal Magic Minute Shopping Spree Sweepstakes!

One lucky Andrews Federal member has won an all expense paid trip to Chicago and a 60-second shopping spree in a Rewards warehouse. The winner will be announced shortly.  Check back for new updates!

CONSUMER DISCLOSURES: NO PURCHASE, ENTRY FEE OR CASH ADVANCE NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.No entrant has yet won. Sweepstakes ends 9/9/18. Open to eligible credit cardholders who are legal residents of the 50 U.S., D.C. or Puerto Rico 21 or older who are enrolled in a participating Andrews Federal CURewards® Program. Sweepstakes is void in U.S. military bases outside the U.S. Sweepstakes is not open to Andrews Federal and PSCU employees and their family members. For complete Official Rules available from 6/4/18  visit CUMagicMinute.com/Andrews.

Eligible Andrews Federal cardholders who register their contact information on the CURewards® website at www.CURewards.com will receive one (1) entry for making a minimum of three (3) qualified purchases (Transactions routed to the issuer’s processor as signature transactions only), net of returns, charged to any of their participating credit union credit accounts during the Sweepstakes Period and will be entered into the Random Drawing. For each week of the Sweepstakes Period, if a cardholder makes a minimum of three transactions using their CURewards® program credit card, they will automatically earn an entry into the Random Drawing. For alternate entry, eligible cardholders will register their contact information online at: www.CURewards.com and will be required to answer the questions listed on the form regarding use of their credit union’s products and services. Survey questions are located on the Magic Minute website at: www.CUMagicMinute.com/Andrews. Limit fourteen (14) Entries per person regardless of method of entry. Void where prohibited. One (1) Grand Prize with an approximate retail value (“ARV”) of $9,000. Odds of winning are dependent on the total number of eligible entries received. SPONSORS: Andrews Federal Credit Union, 5711 Allentown Road, Suitland, MD 20746 and PSCU, 560 Carillon Parkway, St. Petersburg, FL 33716. OPT-OUT: If you do not wish to receive future sweepstakes mailings from PSCU, please phone 1-800-654-7728 or write to PSCU P. O. Box 31216 Tampa, FL 33631. If you do not wish to receive future sweepstakes mailings from Andrews Federal Credit Union, please phone 1-800-487-5500 or write to Andrews Federal Credit Union, 5711 Allentown Road, Suitland, MD 20746.

Federally Insured by NCUA. We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account. For all loans, additional rates and terms are available for qualified applicants; rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change without notice. Subject to credit and collateral approval. For current rates, click here.

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.

International Credit Union DayThis year's International Credit Union Day on October 18 gives our members two reasons to celebrate the difference that Andrews Federal has made over the years to our members and their families.  This year's International Credit Union Day, on October 18, we're not only celebrating International Credit Union Day, but also our 70th Year Anniversary.   

Credit unions all over the world will be celebrating the history and the success of the “People-not-Profit” philosophy on this day. This year’s theme, "Find Your Platinum Lining", emphasizes the credit union movement’s loyalty to its members and mission to provide them financial support and guidance.  Since the start of the movement in the 1840s, credit unions have grown tremendously and now serve over 235 million people on 6 continents.

My Platinum Life with Andrews Federal Credit Union: International Credit Union Day Drawing

Show us how you are living your Platinum Life with Andrews Federal and you could win one of seventy (70) $70 gift cards in our Platinum Life International Credit Union Day Drawing on Facebook!

How to Enter

Download our Platinum Life Poster, print it out, and fill it in to let us know how you are living the Platinum Life with Andrews Federal.  Take a photo of yourself with the poster and post it to our Facebook page on October 18 between 12:00 am through 12:00 pm and use hashtags #platinumlining, #AndrewsFederal, or #ICUDayPhoto for a chance to win!

*Do not include any personal information on your poster!  If you have questions about your submission, please email Marketing directly.


Official Rules

My Platinum Life with Andrews Federal Credit Union: International Credit Union Day Drawing

These are the Specific Contest Terms and Conditions for the “My Platinum Life with Andrews Federal Credit Union: International Credit Union Day Drawing” (“Contest”) running on the Andrews Federal Credit Union (“Sponsor”) Facebook page on Thursday, October 18, 2018.

ELIGIBILITY:

No purchase necessary to enter or to win. You must be a member of Andrews Federal Credit Union (“Sponsor”) as of Wednesday, October 17, 2018 to participate; membership is obtained by opening an account with Andrews Federal Credit Union with at least a Base Share Savings account with a $5.00 balance.   Participants (“Entrants”) must be at least eighteen (18) years of age at the time of entry or have approval from parent or legal guardian. Participants must be legal residents of the United States. Limit one prize per eligible person. Employees or contractors of Sponsor, any person directly or indirectly involved with Sponsor or the running of the competition, or their direct family members are not eligible for any of the Contest prizes, but may take part in the activity by uploading photos to the Sponsor’s Facebook page. By participating, you agree to all decisions of Sponsor and the Official Rules. Sponsor reserves the right to amend or modify the rules at any time. Each winner agrees to permit Sponsor to utilize his/her name and likeness in promotional and other Sponsor’s materials related to the Contest, without additional compensation or permission, except where prohibited by law. By entering the Contest, you agree for Sponsor to share and re-publish your photo on the Sponsor’s Facebook page. This might be via the Timeline or within a Photo Album.

  1. ENTRY PERIOD:

Promotional period begins on Thursday, October 18, 2018 at 12:01 AM Eastern Standard Time (EST) and ends 11:59 PM EST on that same day (“Entry Period”) (or as otherwise indicated in the “How to Enter” section, below). Winners will be notified via Facebook, email or phone by 5:30 PM EST Monday, October 22, 2018 or such later date if additional time is needed to determine or locate the winner(s) in the sole discretion of Sponsor.

  1. HOW TO ENTER:

All entries submitted in compliance with these Official Rules and not disqualified are considered “Eligible Entries” or “Eligible Submissions” as applicable. All entries become the property of Sponsor and will not be acknowledged or returned. Eligible Entries and Eligible Submissions will collectively be referred to herein as “Eligible Entries”. Only fully completed entries are eligible.

Eligible entries are submitted to Sponsor and are not submitted to Facebook. 

To enter, Entrants must visit the Sponsor’s Facebook page at Facebook.com/AndrewsFederal (“Sponsor’s Page”) and post their photo utilizing the “Andrews Federal helped me find my platinum life _____________________” flyer provided by the Sponsor (it may be accessed and printed from this link: https://www.andrewsfcu.org/international-credit-union-day-70th-anniversary-celebration.html. Entrant completes the blank in the sentence with a brief description of how banking with Andrews Federal Credit Union has improved their life.   Entry must be submitted using the following hashtags:  #platinumlining, #AndrewsFederal, and #ICUDayPhoto.  Entrant must not include any personal information about themselves in the photo or the photo posting; Entrant must send the Sponsor a subsequent private message including a copy of their photo and the Entrant’s name and phone number so that the Sponsor may properly identify the Entrant.  Both the photo post and private message must be received between 12:01 AM EST and 11:59 PM EST on October 18th to be considered eligible.  Only one photo entry per individual Entrant.  Entrant earns one entry into the drawing for their eligible submission.

All contents of Entrants’ entries, including but not limited to, content, text, images, graphics, photographs, captions and descriptions, hereinafter referred to as “Submission” (or collectively referred to as “Submissions”), must be completely original to entrant and must not have been taken or composed, in whole or in part, from any other source other than Entrant.

Submissions must not include or depict any of the following: obscenity, inappropriate language, nudity, explicit sexual activity, illegal drug or alcohol use, violence, commercial products, unauthorized copyrighted or trademarked properties, including brand names and logos (other than trademarked properties), private property, unless entrant has obtained a property release specific for uses specified herein, material that is hateful, tortuous, defamatory, disparaging, slanderous, libelous, or otherwise unlawful, material that violates or infringes another’s rights, including but not limited to, rights of privacy or publicity or any other intellectual property rights, material that promotes bigotry, racism, hatred or harm against any group or individual, or promotes discrimination based on race, ethnicity, sex, religion, nationality, disability, sexual orientation or age, personal identifiable information, including but not limited to, license plates, phone numbers, personal addresses, and any other content, including but not limited to, text, images, graphics, photographs, captions and descriptions, that could be considered inappropriate or offensive, as determined by Sponsor in its sole discretion.

By entering Contest, each Entrant represents and warrants that: (a) it has all rights to the contents of Submission and all components thereof, and that Entrant has obtained all rights, consents, and permissions, including, but not limited to, those of any persons that may have participated in Submission, necessary to grant the rights granted herein; (b) that the Submission was created specifically for the Contest; (c) that the Submission, in whole or in part, has not been released commercially; (d) the Submission does not and will not violate any law, statute, ordinance or regulation; (e) the Submission is free and clear of any and all liens or claims with respect to the use of the Submission in the manner authorized herein, and will not give rise to any claims of infringement, invasion of privacy or publicity, or infringe on any rights or interests of any third party, or give rise to any claims for any payment whatsoever; and (f) the Submission is not and will not be defamatory, libelous, pornographic or obscene.

All Entrants, whether a winner or not, agree that in consideration for being considered to enter this Contest, they are granting the Sponsor, its representatives, affiliates, licensees, successors and assigns, (a) the right, but not the obligation, to edit, adapt, reformat, rearrange, modify, combine with other material, add to and/or customize Submission; and (b) the non-exclusive, irrevocable, royalty free, right and license to exhibit, display, broadcast, copy, reproduce, encode, compress, encrypt, incorporate data into, rebroadcast, transmit, record, publicly perform, create derivatives works of, distribute and synchronize in timed relation to visual elements, and or otherwise exploit, the Submissions, and/or any portions or excerpts thereof, in any manner, including advertising, promoting and publicizing the Sponsor, an unlimited number of times, in any and all media, now known or hereafter devised, in perpetuity, throughout the world, without any additional liability, obligation or additional payment of any kind to entrant or any third party.

Select Submissions deemed suitable by Sponsor, in its sole discretion, may be posted on www.andrewsfcu.org. Entrants agree that Sponsor may post the Submissions, in whole or in part on www.andrewsfcu.org. Sponsor is not obligated to use, publish, display or broadcast any Submission.

All Submission materials become the sole and exclusive property of Sponsor. Submissions will not be returned and receipt of Submissions will not be acknowledged.

  1. PRIZES/ODDS:

Each eligible Submission earns one (1) entry into a drawing for one of seventy (70) VISA Gift Cards, each valued at $70.00.  Winning Submissions will be selected randomly from the total eligible submissions; each Entrant is only eligible to win one (1) prize.  If the total number of entries received during the Entry Period is less than 70, the Sponsor reserves the right to only issue a number of prizes equaling the total number of entries received. 

Winner is responsible for any taxes related to the prize.  Odds of winning are based on the number of entries received. No assignment or transfer of Prize is permitted.  Substitution of prize is at the Sponsor’s sole discretion.

  1. GENERAL CONDITIONS:

The Andrews Federal Credit Union or Andrews Federal Credit Union Contest General Terms and Conditions (“General Terms”) of Sponsor are incorporated herein by this reference. Except as modified by these Specific Contest Terms and Conditions, all General Terms apply to the Contest, and together with these Specific Contest Terms and Conditions constitute the Contest’s Official Rules.

Sponsor is not responsible for any loss and/or damage, which may occur in connection with the contest. Entrant agrees to hold the Sponsor harmless from any liability arising from participation in the contest/events.

Sponsor and each of its officers, directors, employees, members, and representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of Entrants and/or winners. Sponsor reserves the right to disqualify Entrants who fail to follow these Official Rules and Regulations or who make any misrepresentations relative to the contest.

All issues and questions concerning the validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and Sponsor in connection with the contest, shall be governed by, and construed in accordance with, the substantive laws of the State of Maryland, United States of America, without regard to choice of law rules.

  1. WINNERS:

Winner will be notified by Facebook post, email, or phone from Sponsor and will be subject to eligibility verification. Potential winner must respond to notification within 2 days or an alternate winner will be chosen from the pool of Entrants.

Entrants will be required to provide a valid United States Postal Service (USPS) address.  Prizes are non-assignable and nontransferable. Substitutions are at the sole discretion of the Sponsor.  Winner(s) assume all responsibility for any taxes or fees related to a gift or prize, if applicable.

Sponsor: Andrews Federal Credit Union, 5711 Allentown Road, Suitland, MD 20746.