Raise Your Rate Share Certificate*
Before you open a new Share Certificate account, you must transfer your new money to a Andrews Federal checking or savings account. Learn more about important information for new members, existing members, and transfer options.
| Term | Minimum to Open | Dividend Rate | Annual Percentage Yield (APY) |
| 24 - month | $1,000 | 3.990% | 4.05% |
| 36 - Month | $1,000 | 4.038% | 4.10% |
| 48 - Month | $1,000 | 4.087% | 4.15% |
*APY = Annual Percentage Yield. Rates effective as of December 12, 2022. Raise Your Rate Share Certificate offers up to a maximum of three (3) opportunities to request the Credit Union to “raise your rate” to the rate currently being offered on our Fixed Rate Share Certificate of the same term as published on our website (certificate specials are excluded). Your Raise Your Rate share certificate must be opened for a minimum of six (6) months before you may request your first rate raise. Once raised, your dividend rate and annual percentage yield will reflect the new rate until such time as you are eligible for, and request, another rate raise. You will have an opportunity to request up to a maximum of three (3) rate raises over the term of your share certificate, as long as six (6) months have passed since your last rate raise. If you do not exercise your rate raise option(s) during the term of the certificate, you forfeit your rate raise option(s). The certificate must be opened with a minimum $1000 deposit; must maintain a minimum $1000 balance to earn the advertised APY. Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. Fees may reduce earnings on the account. Offered rates are subject to change at any time. Deposits are insured up to at least $250,000.00 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage.
