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Membership

Ready to serve. Ready to solve. Ready for you.

Save money and earn money with your membership
Bring on the perks with more rewards, more earnings, lower rates and fees
Use digital and mobile banking to make managing finances simpler
Get the support you need to achieve your financial goals

Membership Eligibility

If you are at least 18 years old and meet our membership criteria, you are eligible to join Andrews Federal.

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 Select Employee Groups? Click here to view a list of all eligible Select Employee 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?

Learn more about eligibility options with 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 Active Duty U.S. Military or Civilian personnel (or their dependents or dependent survivors) of the Department of Defense who have a valid Uniformed Services Identification and Privilege Card and who are authorized logistical support in accordance with the appropriate host nation Status of Forces Agreement, and who have a work or residential address within Andrews' assigned geographical territory, consisting of areas in: the Netherlands, Belgium, and northern and central Germany.

Do you have any other military/DoD affiliations?

Are you retired military?

Are you located in Germany or the Netherlands?

Are you located in Belgium?

Are you active duty or reserve military?

Are you a Department of Defense civilian or contractor?

Are you a Military or Department of Defense dependent?

Are you located in Belgium, the Netherlands, Germany, Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst?

Congratulations!

You are eligible to join Andrews Federal Credit Union. Opening your new account should take less than 10 minutes. Ready to get started?

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Based on the information you shared, you are not currently eligible for membership.

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.

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You are not eligible for membership due to the SOFA agreement in each respective country.

To qualify for membership in Germany and The Netherlands, you must have a Department of Defense CAC with individual logistical support (ILS).

To qualify for membership in Belgium, you must have a Department of Defense CAC with individual logistical support (ILS) or be a Military Retiree.

Why Choose Andrews Federal?

The more you use your membership, the more valuable it is. If you’re wondering how Andrews Federal Credit Union membership could help you save money, our dedicated employee team can give you a road map to savings and direct you to the best financial resources for your situation.

Join Andrews Federal through the American Consumer Council

We've made it easy for you to join Andrews Federal through enrollment in the American Consumer Council (ACC) as a new member. Also, when you apply for a loan with Andrews Federal, you can save time and automatically qualify for membership.

Do I Have to Join the ACC First before Joining Andrews Federal?

No, when you select the ACC as your enrollment option, Andrews Federal will automatically enroll you as a new member in the ACC as your membership eligibility option.

If you’re applying for a loan through the credit union, you will also automatically be considered for membership. We will notify you when you’re approved, so you can start taking advantage of the benefits and convenience of Andrews Federal membership. Welcome to the Andrews Federal family!

What is the American Consumer Council?

The American Consumer Council (ACC) is an organization focused on educating consumers regarding the purchase of safe, reliable products and services. The ACC serves as a voice for consumer advocacy and economic wellness in the United States and provides financial education to consumers seeking to make wise decisions with their money.

Learn more about the American Consumer Council

STILL HAVE QUESTIONS?

Our routing number is 255074111.

Members may obtain 1 free Official Check per day. Any additional Official Checks are $5.00 each.

Members can conveniently cash in coins using our coin counting machines, available at the following branches: Alexandria, VA; Suitland, MD; Joint Base Andrews; Waldorf, MD; Henson Ridge, DC; Upper Marlboro, MD; Burlington, NJ; JBMDL; and Mt. Laurel, NJ.

You will need two forms of state-issued identification, including one primary form such as a state-issued ID, Passport, and/or Military ID. The second form of identification can be a Social Security card, Student ID, Birth Certificate, Permanent Resident Card, Auto Insurance Card, and/or a Credit Card. If your state-issued identification does not have your current physical address, you will need to show proof of current address with another form of identification, such as current utility bill or current bank or mortgage statement.

You must retain a minimum of $5 in your base share savings account.

Yes, our safe deposit boxes are available at our branches in Suitland, MD; Joint Base Andrews; Waldorf, MD; and Mt. Laurel, NJ.

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.

Yes, through the CO-OP Shared Branch Network, Andrews Federal members will be able to complete some of the same transactions as if they were at an Andrews Federal branch. Guest members from other credit unions may access their accounts at our military base locations only. We have suspended service for non-Andrews credit union members at all other branch locations.

We exchange 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 digital banking and a representative will review and follow up with you shortly.

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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.

*A "loyal member" is assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand) , $5,000 in an interest/dividend checking account, $10,000 in a one-year certificate account, and $2,500 in a money market account.

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.