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5711 Allentown Rd
Suitland, MD 20746

Andrews Federal Credit Union is headquartered in Suitland and is the 7th largest credit union in the state of Maryland. It is also the 218st largest credit union in the nation. It was established in 1948 and as of March of 2014, it had grown to 242 employees and 113,126 members. Andrews Federal Credit Union's money market rates are 14% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Our membership includes Washington, DC, civilian and military personnel of Andrews Air Force Base, McGuire Air Force Base, and military installations in central Germany, Belgium, and The Netherlands; as well as over 200 groups throughout Maryland and New Jersey. You can also become eligible through our partnership with the American Consumer Council (ACC). When you join the ACC, you are eligible for membership at Andrews Federal, too. Membership in the ACC is free. For more information, please call 800.487.5500, option 3. - See Details

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Very difficult to get credit card even with close to 800 credit score and no debt. Application is very difficult to get through with lots of paper work.  After being approved for credit card with very low limit and lots of phone calls and paper work I now need to join. That has now become more hoops to jump thru as it just doesn’t seem to work online. I hope they don't lose all my stuff like the other reviewer.  At this point I still have nothing.   Could have gotten several cards by now from banks but I want their chip and pin card. I am not sure why anyone would really want to join other than a real specific reason because service is no different than a bank, put on hold and waited every time when I called and rates are about the same. My banks don’t have fees as long as you have a savings. So more than ever I don’t get credit unions.  I must be missing something.

Customer Service

It's a great credit union and decent customer service, at long you are the member, not his or her spouse, otherwise you are in trouble! It's sad because I really like Andrews Federal Credit Union. The customer rep was super rude and didn't want to talk to me, only to my husband. Luckly, my husband contact a supervisor and we solved the situation. After that, I remove my salary from there and open an account in other bank.

Worst Credit Union EVER

I joined AFCU after being told they offered Chip and Pin DEBIT cards for use in Europe.  I applied for a checking and savings account online and sent in my money.  After waiting several weeks and not hearing anything I sent a total of three e-mails asking for my account number so I could sign up for online banking.  Finally got the number.  I then asked by e-mail how to apply for the Chip and Pin DEBIT card and was told to apply for the Global Trek CREDIT Card.  I sent another e-mail, being very specific about my wanting a DEBIT card and was assured that was the way to do it.  I attempted to apply online for the Global Trek card and was asked two security questions.  One was a question I had not answered during the application process and I was never able to open the application.  I sent another e-mail to AFCU using another e-mail address and asked if they offered Chip and Pin DEBIT cards and was told they did not.  I sent an actual letter to a specific person in management telling that person of my frustration with their incompetence and never heard back.  I then sent an e-mail to that person complaining about not getting a response to the letter and never heard back from that.

Do yourself a favor and avoid this place.

Great Place To Bank

I joined AFCU after my bank (Community Bank) failed to pay my rent as set up in an automatic withdrawal for three straight months. 


Shortly after I joined I had to depart on a short notice deployment and needed to change an account at the last minute.  It was a weekend and luckily I had the business card with the local manger’s cell phone number. I called her at home and she promised to take care of the issue. My wife was worried that it wouldn’t workout but it did and I will be always grateful for the support I received. Would have never happened at by previous bank.


I have since switch all my banking to AFCU (credit card, auto loan, savings).  I know the employees, they are integral part of our community here overseas and that makes a big difference.  They are always doing something for service members and their families; attend our community meeting and events.


Their World Visa Card has very competitive rates and for a long time it was the only chip card available to Americans here in Europe which is important since most places do not use swipe readers any more.


If you are looking for a new banking facility, particularly if you are going to be overseas I highly recommend Andrews Federal Credit Union.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Andrews Federal Credit Union had $4.55 million in non-current loans and owned real-estate with $163.03 million in equity and loan loss allowances on hand to cover it. This gives Andrews Federal Credit Union a Texas Ratio of 2.79% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Andrews Federal Credit Union experienced no significant changes from 2.98% as of March 31, 2013 to 2.79% as of March 31, 2014, resulting in a positive change of 6.43%.This indicates that the balance sheet and financial strength for Andrews Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Andrews Federal Credit Union has increased its total deposits by $49.51 million, resulting in 6.52% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Andrews Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Andrews Federal Credit Union has $1 billion in assets with $163.03 million in equity, resulting in a capitalization level of 16.23%, which is excellent.

Institution Statistics

NCUA #5754
Year Chartered1948
Primary Regulator
Assets and Liabilities
Assets$1.00 billion
Loans$623.13 million
Deposits$809.32 million
Equity Capital$154.02 million
Loan Loss Allowance$9.01 million
Unbacked Noncurrent Loans$4.55 million
Real Estate Owned$0
Historic Data - March 2013
Assets$943.45 million
Equity Capital$154.59 million
Loan Loss Allowance$9.06 million
Unbacked Noncurrent Loans$4.55 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.22%
Return on Assets0.56%
Return on Equity3.64%
Interest Income$9.79 million

Always verify rates and promotions with the bank or credit union. We are not Andrews Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Andrews Federal Credit Union Savings Account Rates

0.31%$100-Savings Account
0.31%$100-IRA Savings
0.31%$100-CESA Savings

Andrews Federal Credit Union Money Market Rates

0.50%$150k-Money Market Account
0.50%$150k-IRA Money Market
0.50%$150k-Roth IRA Money Market

Andrews Federal Credit Union Checking Account Rates

0.10%$5k-Advantage Share Draft Account

Andrews Federal Credit Union CD Rates

1.81%$1k-60 Month Share Certificate
1.56%$1k-48 Month Share Certificate
1.31%$1k-36 Month Share Certificate
1.00%$1k-18 Month Share Certificate
1.00%$1k-24 Month Share Certificate
0.85%$1k-12 Month Share Certificate
0.55%$1k-6 Month Share Certificate

Andrews Federal Credit Union IRA Rates

1.81%$1k-60 Month IRA Certificate
1.56%$1k-48 Month IRA Certificate
1.31%$1k-36 Month IRA Certificate
1.00%$1k-18 Month IRA Certificate
1.00%$1k-24 Month IRA Certificate
0.85%$1k-12 Month IRA Certificate
0.55%$1k-6 Month IRA Certificate

Andrews Federal Credit Union has 12 locations. Click to view all Andrews Federal Credit Union locations.