Saving for something special? Let us help you reach your goal sooner with a Share Certificate. Earn dividends at a higher rate than a typical account. The larger your balance, the more you could earn.
Treat your money well and it will return the favor when you lock in our Share Certificate savings rates.
Non-Traditional Share Certificates
Flex your savings muscle
- The Non-Traditional Share Certificates1 grow your money over a shorter term when you start with a $1,000 minimum opening deposit
- The Generator2 option lets you start building your savings with a $50 minimum deposit that increases over your selected term - 12, 24 or 36 months - with unlimited deposits
- Choose the Bump It Up Share Certificate3 if you want to take advantage of a higher interest rate during your term, with a term of 24, 36 or 48 months and a $1,000 minimum deposit
- If you're just starting out, you can open an account with as little as $50
Fixed-Rate Share Certificates
Basic doesn't mean boring
- $1,000 minimum deposit required to open this account
- Choose a term from six months to seven years
- The unchanging rate delivers consistent returns over the certificate's full term
Traditional, Educational and Roth IRA Fixed-Rate Certificates
Add a deeper shade of gold to your retirement years
- With Traditional IRA Certificates, you won't pay taxes on earnings until you withdraw money
- Roth IRA Certificates allow deposits and earnings to grow tax-free
- Open an Educational Certificate (Coverdell Education Savings Account) to save specifically for education-related expenses
- Consult your tax advisor for specific details about tax advantages and account requirements
- These various certificates are structured to deliver growth when you plant a minimum $1,000 deposit
Jumbo Share Certificates
When you want to go big, choose this account
- $10,000 minimum deposit required to open this account
- Choose a term ranging from six months to five years
- Your dividend rate never changes over the term, delivering consistent yields
- Start with a minimum $10,000 deposit and watch it flourish over the course of six months, five years or somewhere in between
Jumbo Traditional, Educational and Roth IRA Fixed-Rate Certificates
Make major plans for the future
- $10,000 minimum deposit required to open this account
- Choose a term ranging from six months to five years
- Your dividend rate never changes over the term, delivering consistent yields
- Save for retirement or education-related expenses
1 Non-Traditional Share Certificate offer and stated APY may change at any time. APY effective November 23, 2018, is 2.86%; interest rate is 2.83%. 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 Non-Traditional Share Certificates will automatically renew at the 12-Month share certificate rate and term. Each individual member limited to one Non-Traditional Share Certificate. Available for non-IRA certificates only. IRA Certificates are excluded from this offer.
2 Certificate must be opened with a minimum $50.00 deposit; 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).
3 Bump 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; certificate 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 $1,000 deposit; must maintain a minimum $1,000 balance to earn the advertised APY/bumped APY.
Additional Share Certificate Disclosures
Penalties apply for early withdrawal; fees may reduce earnings on the account.
- With the exception of the Special 55-Month and 84-Month Share Certificates, if your account has an original maturity of less than 24 months, we will charge a penalty equal to 90 days of dividends.
- With the exception of the Special 55-Month and 84-Month Share Certificates, if your account has an original maturity date of 24 months or greater, we will charge a penalty equal to 180 days of dividends.
Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey, as well as overseas locations in Germany, Belgium and the Netherlands.