Membership

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.