Credit union · NCUA insured
Andrews Federal Credit Union CD Rates
Top CarrotAndrews Federal Credit Union’s best CD rate is 4.15% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Andrews Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Andrews Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Andrews Federal Credit Union
4.40%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $553
Special 15-Month Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $3,292
Andrews Federal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo2.60%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Andrews Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special 15-Month Share Certificate
4.40%APY · 1 term
Must be opened with existing maturing Andrews Federal share certificate funds or must be new money, not currently vested within the Credit Union. Maximum balance allowed is $250,000. Limited time offer. At maturity, all 15-Month Share Certificates automatically renew to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsMinimum of $500 to open and maintain account as well as earn the advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal share certificate funds or new money. Limited time offer. No penalties apply for early withdrawal. At maturity, automatically renews to a 12-Month share certificate | 4.40% | $553 |
Sources (3)
All captured Oct 22, 2026
Special 13-Month Share Certificate
4.15%APY · 1 term
Must be opened with existing maturing Andrews Federal share certificate funds or new money not currently vested with the Credit Union. Maximum balance is $250,000. Limited time offer. Automatically renews at maturity to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsMinimum of $500 to open and maintain account to earn advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal certificate funds or new money. No early withdrawal penalty. At maturity automatically renews to 12-month share certificate | 4.15% | $450 |
Sources (3)
All captured Sep 19, 2026
Jumbo Fixed Rate Share Certificates
Up to 3.75%APY · 6 terms
Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 2.60% | $129 |
| 12 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.75% | $375 |
| 24 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.75% | $764 |
| 36 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.75% | $1,168 |
| 48 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.75% | $1,587 |
| 60 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.75% | $2,021 |
Sources (2)
All captured Oct 22, 2026
Fixed Rate Share Certificates
Up to 3.70%APY · 6 terms
Must open and maintain a minimum $1,000 balance to earn advertised APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 2.55% | $127 |
| 12 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.70% | $370 |
| 24 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.70% | $754 |
| 36 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.70% | $1,152 |
| 48 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.70% | $1,564 |
| 60 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.70% | $1,992 |
Sources (2)
All captured Oct 22, 2026
Raise Your Rate Share Certificate
3.70%APY · 3 terms
Offers up to a maximum of 3 opportunities to request a rate raise to the current Fixed Rate Share Certificate rate of the same term. Account must be opened for at least 6 months before first rate raise, and at least 6 months between raises. Minimum $1,000 deposit and balance. Dividends compounded and credited quarterly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply | 3.70% | $754 |
| 36 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply | 3.70% | $1,152 |
| 48 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply | 3.70% | $1,564 |
Sources (2)
All captured Oct 22, 2026
Generator Share Certificate
Up to 0.75%APY · 3 terms
Unlimited deposits: add funds anytime during term in branch, via automatic direct deposits, and online (transfers from another share). Minimum $50 deposit to open and maintain balance to earn advertised APY. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust open and maintain a minimum $50 balance to earn advertised APY. Unlimited deposits allowed anytime during term. Early withdrawal penalties apply | 0.65% | $65 |
| 24 monthsMust open and maintain a minimum $50 balance to earn advertised APY. Unlimited deposits allowed anytime during term. Early withdrawal penalties apply | 0.70% | $140 |
| 36 monthsMust open and maintain a minimum $50 balance to earn advertised APY. Unlimited deposits allowed anytime during term. Early withdrawal penalties apply | 0.75% | $227 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Jumbo Traditional, Educational, and Roth IRA Share Certificates
3.80%APY · 5 terms
Traditional IRA, Roth IRA, and Educational IRA (Coverdell ESA) Jumbo options available. Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.80% | $380 |
| 24 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.80% | $774 |
| 36 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.80% | $1,184 |
| 48 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.80% | $1,609 |
| 60 monthsMust open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply | 3.80% | $2,050 |
Sources (2)
All captured Oct 22, 2026
Traditional, Educational, and Roth IRA Share Certificates
3.75%APY · 5 terms
Traditional IRA, Roth IRA, and Educational IRA (Coverdell ESA) options available. Must open and maintain a minimum $1,000 balance to earn advertised APY. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.75% | $375 |
| 24 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.75% | $764 |
| 36 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.75% | $1,168 |
| 48 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.75% | $1,587 |
| 60 monthsMust open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply | 3.75% | $2,021 |
Sources (2)
All captured Oct 22, 2026
Who can join Andrews Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, attend school, or worship in Washington, D.C.
Employers and groups
- Eligible as an employee or member of an eligible Select Employee Group (SEG) or partner employer/organization.
Military, government and schools
- Eligible for Active Duty U.S. Military or DoD Civilian personnel (and dependents/survivors) stationed in Belgium, the Netherlands, and northern/central Germany under SOFA with authorized logistical support.
- Eligible if assigned to, receiving benefits from, or civilian personnel working at Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst (and dependents/survivors).
Family and household
- Eligible if you are an immediate family member (spouse, child, sibling, parent, grandparent, grandchild) or household member of an existing member.
Other ways
- Eligible through membership in the American Consumer Council (ACC) at no cost for qualifying American consumers.
Cost to join
- Establishing membership requires maintaining a minimum deposit of $5 in a Base Share Savings account.
Membership information collected October 4, 2026.