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Andrews Federal Credit Union

Popular Accounts at this Credit Union

1.91%5-year CD60 Month Share Certificate
1.61%4-year CD48 Month Share Certificate
1.50%3-year CD36 Month Share Certificate

Overview / Commentary
5711 Allentown Rd
Suitland, MD 20746

Founded in 1948 by just eight people with $5 apiece, Andrews Federal Credit Union now provides a variety of financial products and services to over 120,000 members throughout Washington, DC, Maryland, New Jersey, and Virginia. It also serves members at select military outposts in Germany, Belgium, and the Netherlands.

There are a variety of personal depository banking products available from the credit union. These include savings accounts, checking accounts, Certificates of Deposit (CDs), and money market accounts. Andrews Federal Credit Union requires a basic savings account for membership, but it also offers Individual Retirement Account (IRA) savings accounts, as well as holiday savings accounts, vacation savings accounts, and youth savings accounts. As for checking accounts, the credit union provides both non-interest-bearing and interest-bearing options, depending upon the account balance. Standard CDs are available, as well as Traditional, Educational, and Roth IRAs available as CDs. CD terms range from 6 months to 84 months, and higher interest rates are available for larger “jumbo” CD balances. The credit union also offers personal loans, credit, insurance, and investment services.

Andrews Federal Credit Union also provides business savings accounts and business checking accounts. The latter vary by account balance and number of transactions. In addition to these deposit account products, business loans and other business services – such as payroll and merchant processing – are also available.

Field of Membership Restrictions

Membership in Andrews Federal Credit Union is open to anyone through the American Consumer Council. Membership is also open to those who live, work, worship, or attend school in Washington, D.C.; military and civilian personnel from Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst; and other military-related qualifications.
See current membership details

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Andrews Federal Credit Union / IRA CD Rates

Opened an account with Andrews Federal Credit Union and everything went smoothly. has one of the best rates in the industry, 3% for 84month IRA CD....great. Thanks for the ease of setting up the account.

Just Opened 7-Yr 3% IRA CD's Remotely

Posted by: kaimen | Mar 29, 2016

As a remote customer not related to Andrews I'd say the service is pretty good and the process went smoothly.

The steps include -
1. Joining ACC online
2. Joining AFCU online (both instantaneous, pay $5 each with credit card)
3. Print/fill out and priority mail Trustee-to-Trustee fund transfer request form (form 302 from website) to AFCU (2-day)
4. AFCU mails request form to Fidelity (2-day)
5. Fidelity wires fund to AFCU (free from Fidelity and no charge for inbound from AFCU).
6. In the meantime print/fill out an IRA application form (form 98 from website) then scan/email to AFCU before the arrival of the fund.
7. Rate is locked once fund is received.

I Don't Use Them Much, Just For A CD. Have Other Issues

Posted by: EricJ | Dec 18, 2017

I opened a CD at Andrews maybe a year ago. At the time their rates were among the best and being a CD account haven't had much dealings with them and when I have have had no real issues....
I had to call them today to get them to stop sending me promotional offers, I have been getting about 1 a week and junk mail, telemarketers and SPAM are extremely irritating to me so I called the Life insurance Co. in the promotion and Andrews to get them to stop.

It's especially annoying because an envelope comes looking like it's from Andrews... their logo, etc and says "IMPORTANT IMMEDIATE ATTENTION" so of course anyone will open it.

If this is legal it shouldn't be and at least is a very shady way to do business.

Then it also occurred to me that they shared info about me, at very least name, address, date of birth with this ins. company (and surely others) who I know nothing about. This also seems it should be illegal. I don't know anything about this insurance company and even if I trusted and liked them places get hacked all the time so the more places have your info the more exposed you are.

So, I doubt I will be doing any more business with them, I have almost 20 other banks I deal with and don't get these promotions mailed to me by them, although who knows what they share?

I will read privacy policies carefully from now on and also look into privacy laws if there are any left.

Absolutely Atrocious And Incompetent Service

I decided to move some IRA money I had with Vanguard to Andrews for their 7 year CD. Here's what happened: person #1 said send in the two forms completed and I will take care of everything; I did that and then person #2 said no-we won't contact Vanguard, you have to; person #3 instead of sending me the completed forms back to me, they sent me blank forms so I had to get another notary certification; person #4 said that I had not sent in the transfer form request and I had to send in another one; person #5 said no person #4 was wrong and that I had to send in the application form again. Forewarned is forearmed.



Health Grade Components

NCUA #5754
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3.29%
Annual Interest Income$56.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.53B$1.46B
LoansQ4 2017vs Q4 2016$1.23B$875.8MM
DepositsQ4 2017vs Q4 2016$1.34B$1.22B
Equity CapitalQ4 2017vs Q4 2016$173.5MM$168.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$12.0MM$9.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$6.1MM$5.7MM
Real Estate OwnedQ4 2017vs Q4 2016$0$95.00K
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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 cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Andrews Federal Credit Union Savings Account Rates

0.40%--Holiday Club Account
0.40%--Vacation Club
0.31%$100-IRA Savings
0.31%$100-Base Share Savings
0.31%$100-Planner Saving
0.31%$100-Business Base Share Savings
0.10%$100-Business Planning Savings

Andrews Federal Credit Union Money Market Rates

0.60%*$100k*-Money Market Account
OTHER TIERS: 0.25% Up to $1k | 0.35% $1k - $10k | 0.40% $10k - $50k | 0.50% $50k - $100k
0.60%*$100k*-IRA Money Market
OTHER TIERS: 0.25% Up to $1k | 0.35% $1k - $10k | 0.40% $10k - $50k | 0.50% $50k - $100k

Andrews Federal Credit Union Checking Account Rates

0.20%$1,500-Advantage Share Draft Account
0.05%$5k-Business Partnership Checking

Andrews Federal Credit Union CD Rates

2.20%$1k-84 Month Share Certificate
2.02%$10k-60 Month Jumbo Share Certificate
1.91%$1k-60 Month Share Certificate
1.76%$10k-48 Month Jumbo Share Certificate
1.61%$1k-48 Month Share Certificate
1.55%$10k-36 Month Jumbo Share Certificate
1.50%$1k-36 Month Share Certificate
1.50%$10k-24 Month Jumbo Share Certificate
1.46%$1k-48 Month Bump Up CD Special
1.45%$1k-24 Month Share Certificate
1.45%$10k-12 Month Jumbo Share Certificate
1.41%$1k-12 Month Share Certificate
1.26%$1k-36 Month Bump Up CD Special
1.00%$1k-24 Month Bump Up CD Special
0.60%$10k-6 Month Jumbo Share Certificate
0.55%$1k-6 Month Share Certificate
0.55%$50-36 Month The Generator CD Special
0.45%$50-24 Month The Generator CD Special
0.40%$50-12 Month The Generator CD Special

Andrews Federal Credit Union IRA Rates

2.20%$1k-84 Month IRA Certificate
2.10%$1k-72 Month IRA Certificate
2.02%$10k-60 Month Jumbo IRA Certificate
1.91%$1k-60 Month IRA Certificate
1.76%$10k-48 Month Jumbo IRA Certificate
1.61%$1k-48 Month IRA Certificate
1.55%$10k-36 Month Jumbo IRA Certificate
1.50%$1k-36 Month IRA Certificate
1.50%$10k-24 Month Jumbo IRA Certificate
1.45%$1k-24 Month IRA Certificate
1.45%$10k-12 Month Jumbo IRA Certificate
1.41%$1k-12 Month IRA Certificate
0.60%$10k-6 Month Jumbo IRA Certificate
0.55%$1k-6 Month IRA Certificate


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