We got our start serving the military. We are proud to serve and support our valiant military families, and we have expanded to provide financial services to our communities in Maryland, Washington, D.C., Virginia and New Jersey.
Serving Those Who Serve - Supporting Our Communities
Answer a few questions (typically takes less than 3 minutes) and find out whether you are eligible to become a member at Andrews Federal.
Are you located in the United States?
Do you work for one of our employer groups? Click here to view a list of all eligible employer groups.
Some companies have requested that their employees and members have access to Andrews Federal Credit Union membership benefits. If your employer or organization is on that list, you are eligible to join!
Are you US Active-Duty or Retired Military Personnel?
Are you a military spouse, dependent or dependent survivor?
Are you assigned to and/or currently receiving benefits and services from Joint Base Andrews or Joint Base Mcguire-Dix-Lakehurst?
If you answered “yes” to any of these questions, choose Yes below.
Do you live, work, attend school, or worship in Washington, D.C.?
Is someone in your household or immediate family a member of Andrews Federal Credit Union?
Are you a member of the American Consumer Council?
Are you civilian personnel of U.S. Military units, or their dependents or dependent survivors, who work at or are assigned to Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst.
Are you retired military?
Are you located in Germany or the Netherlands?
Are you located in Belgium?
Are you a Department of Defense civilain or contractor?
Are you a Military or Department of Defense dependent?
However, you can become eligible by joining the American Consumer Council.
Once you join (takes about 5-10 minutes), you will be eligible for Andrews Federal membership.
Reasons to Join
We're here to help you along your financial journey at every turn.
We're a not-for-profit.
So earnings are returned to members as lower loan rates, higher interest paid on deposits, and reduced fees.
You're part owner.
When you join us, you become a part-owner with an equal vote to elect members of the Board of Directors that governs us.
A service-oriented community institution.
Become part of a service-oriented community institution. We sponsor, host, and volunteer at many events.
Committed to giving back.
We annually donate $20,000 to scholarship winners and $5,000 to summer camp scholarships.
Providing helpful resources.
Take advantage of free financial education webinars to help you make informed decisions about the next steps in your life.
STILL HAVE QUESTIONS?
To expedite the process, be sure to have the following items ready:
- Identification (e.g. driver's license, passport, or other government issued ID)
- Routing and account number of external account to fund your new membership
- Proof of address (only applicable if current address differs from your Identification's address)
Yes, we offer Major Mechanical Protection (MMP). The cost varies depending on the plan type and vehicle.
To reset your username or password once you have already logged into online banking, click on the About Me tab. If you do not remember your username or password and are unable to log into online banking, contact us at 800.487.5500.
Our routing number is 255074111.
There are a variety of ways to qualify for membership at Andrews Federal. To see the full list of eligibility requirements, click on "Membership" at the top or bottom of the home page.
Yes, Privilege Pay is our overdraft program that is offered at our discretion and allows you to withdraw more than your account balance for a short period of time in order to cover unexpected emergencies. In essence, we advance you the money you need to pay for the items by allowing your account balance to go temporarily negative. We charge you a $32.00 fee for each item cleared in this manner, although there is a cap to how much your account will be charged in Privilege Pay fees ($224.00/day and $750/month). We also offer Overdraft Line of Credit, which is a loan product that is linked to your checking account and will automatically transfer available funds to cover any insufficient funds items that are presented for payment. Each such transfer to your checking is an advance against your Line of Credit and increases your loan balance. While there are no fees for the transfers themselves, you will pay interest on any outstanding Line of Credit balances. If you pay off the Line of Credit balance on the same day that it is advanced, you will not be charged any interest.
You must retain a minimum of $5 in your base share savings account.
To update the address or phone number on your account, log into Online Banking, click the Options and Extras tab and select the Verify and Update Contact Information option.
Credit unions and banks are both financial institutions but there are significant differences in how they are operated. Banks are owned by shareholders. Their Boards of Directors are paid employees. They are for-profit institutions. Credit Unions are owned by their members and their Boards are volunteer. They are non-profit which means any profits made are returned back to the member in the form of lower rates and fees.
We award ten $2,000 college scholarships and ten $500 Summer Camp Awards annually. Applications for these programs are typically accepted in the first quarter of each year.
We exhange foreign currency at our overseas locations.
You may visit any of our branches, along with proof of name change. Such as marriage certificate, SSN card, or government issued document. You may also send a secure message through your online banking and upload your documents and a representative will review and follow up with you shortly.
To remove a joint owner, close the account and open a new one.
Andrews Federal members received over $19 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.
1We offer minor account options for our younger members, with an eligible adult. For more information regarding minor accounts, visit our Youth Savings Accounts page.
2Immediate family means that you are a spouse, child, sibling, parent, grandparent, or grandchild of an existing member, or you live in the same household as an existing member.
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 the Netherlands, Belgium and Germany.