Credit union · NCUA insured
Andrews Federal Credit Union Savings Rates
Top CarrotAndrews Federal Credit Union’s best savings rate is 1.80% APY on $10,000, with its Premium High-Yield Money Market Account. Rates checked October 22, 2026.
How Andrews Federal Credit Union’s savings 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
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
High Yield Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Andrews Federal Credit Union savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0003.15%
- $10,000 balance$10,0003.15%
- $100,000 balance$100,0003.15%
- QualifiedQualified3.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Online Savings Account
0.05%APY
Must be opened through online or mobile banking (Digital Banking). Dividends credited and compounded monthly. Maximum balance is $250,000. Limit one per member with promotional rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Promotional rate on first $1,000. | 5.00% | — | Promotional rate on first $1,000. |
| Over $1,000If average daily balance exceeds $1,000, remaining balance is paid at the second tier rate (stated as 5.61% - 0.07% APY / 0.050% dividend rate). | 0.05% | $5 | If average daily balance exceeds $1,000, remaining balance is paid at the second tier rate (stated as 5.61% - 0.07% APY / 0.050% dividend rate). |
Sources (3)
- andrewsfcu.org/rates
- andrewsfcu.org/savings/compare-all-savings-accounts
- andrewsfcu.org/savings/online-savings-account
All captured Sep 19, 2026
High Yield Savings Account
3.15%APY
Must be a member of the credit union. Membership eligibility required. No recurring monthly maintenance charges or fees to open or close. Dividends compounded and credited monthly. Only one High-Yield Savings Account allowed per membership. Maximum balance $250,000. Excess transaction fee applies for more than 6 transfers/withdrawals per calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000If the average daily balance of the account exceeds $250,000, the remaining balance will be paid at the rate stated for the second tier. | 3.15% | $315 | If the average daily balance of the account exceeds $250,000, the remaining balance will be paid at the rate stated for the second tier. |
| Over $250,000Applies to balance exceeding $250,000. | 0.05% | — | Applies to balance exceeding $250,000. |
Sources (3)
- andrewsfcu.org/rates
- andrewsfcu.org/savings/compare-all-savings-accounts
- andrewsfcu.org/savings/high-yield-savings-account
All captured Sep 19, 2026
Premium High-Yield Money Market Account
1.80%APY
Limit of 6 transfers/withdrawals per calendar month before excess transaction fee applies. Dividends compounded and credited monthly. Variable rate subject to change. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 1.80% | $180 |
| $100,000 and up | 2.30% | — |
Sources (1)
- andrewsfcu.org/rates · captured Sep 19, 2026
Kasasa Saver Account
Up to 1.75%APY
Must be a credit union member. Requires an active Kasasa Cash or Kasasa Cash Back checking account. No recurring monthly maintenance charges or fees to open or close. Limit of one account type per member. Not for commercial purposes.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifications required during each qualification cycle: at least 15 PIN-based or signature-based debit card purchases, at least one direct deposit or ACH transaction, and enrollment in online/digital banking and e-statements. | 1.75% | $175 | Qualifications required during each qualification cycle: at least 15 PIN-based or signature-based debit card purchases, at least one direct deposit or ACH transaction, and enrollment in online/digital banking and e-statements. |
| Over $0Base rate applied to entire balance if monthly qualifications are not met. | 0.05% | $5 | Base rate applied to entire balance if monthly qualifications are not met. |
| Over $100,000Applies to balances above $100,000 when qualifications are met. | 0.50% | — | Applies to balances above $100,000 when qualifications are met. |
Sources (3)
- andrewsfcu.org/rates
- andrewsfcu.org/savings/compare-all-savings-accounts
- andrewsfcu.org/savings/kasasa-saver
All captured Sep 19, 2026
Premium Money Market Account
0.85%APY
Minimum balance to open and maintain an account is $1,000; a low balance fee applies if balance falls below $1,000. Limit of 6 transfers/withdrawals per calendar month before excess transaction fee applies. Dividends compounded and credited monthly. Variable rate subject to change. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.80% | — |
| $2,500 – $20,000 | 0.85% | $85 |
| $20,000 – $50,000 | 0.90% | — |
| $50,000 and up | 1.00% | — |
Base Share Savings
0.05%APY
Foundation of credit union membership. Dividends compounded and credited quarterly. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum $100 balance to earn the advertised APY. Minimum $5 deposit required to open.$100 and up | 0.05% | $5 | Must maintain a minimum $100 balance to earn the advertised APY. Minimum $5 deposit required to open. |
Planner Savings Account
0.05%APY
Dividends are compounded and credited quarterly. Must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn advertised APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum $100 balance to earn advertised APY. Minimum $5 deposit to open. (Table displays Minimum to Open $0, footnote specifies $5 minimum deposit to open).$100 and up | 0.05% | $5 | Must maintain a minimum $100 balance to earn advertised APY. Minimum $5 deposit to open. (Table displays Minimum to Open $0, footnote specifies $5 minimum deposit to open). |
Sources (1)
- andrewsfcu.org/rates · captured Sep 19, 2026
Special-purpose accounts
Holiday Club Account
0.05%APY
Variable rate account with an annual maturity date of November 1st; actual term varies depending on open date. Upon maturity, funds transfer automatically into Base Share Savings account. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open or maintain account, and no minimum balance required to earn the APY. Matures November 1st annually.Any balance | 0.05% | $5 | No minimum balance to open or maintain account, and no minimum balance required to earn the APY. Matures November 1st annually. |
IRA Savings Account
0.05%APY
Dividends are compounded and credited quarterly. Must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn advertised APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum $100 balance to earn advertised APY. Minimum $5 deposit to open. (Table displays Minimum to Open $0, footnote specifies $5 minimum deposit to open).$100 and up | 0.05% | $5 | Must maintain a minimum $100 balance to earn advertised APY. Minimum $5 deposit to open. (Table displays Minimum to Open $0, footnote specifies $5 minimum deposit to open). |
Sources (1)
- andrewsfcu.org/rates · captured Sep 19, 2026
Vacation Club Account
0.05%APY
Variable rate account with an annual maturity date of May 1st; actual term varies depending on open date. Upon maturity, funds transfer automatically into Base Share Savings account. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open or maintain account, and no minimum balance required to earn the APY. Matures May 1st annually.Any balance | 0.05% | $5 | No minimum balance to open or maintain account, and no minimum balance required to earn the APY. Matures May 1st annually. |
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.