Ready to serve. Ready to solve. Ready for you.
  • An experience that is about more than just money
  • We're here to support you regardless of where you are in your financial journey
  • Pay less for money you borrow and earn more on your savings
  • Committed to keeping fees minimal so you have more money in your pocket

Serving Those Who Serve - Supporting Our Communities

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.

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.

Reset your eligibility answers at any time

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

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.

Reasons to Join

We're here to help you along your financial journey at every turn.


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 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. 

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.