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Andrews Federal Credit Union

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Andrews Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Andrews Federal Credit Union?

Current rates for Andrews Federal Credit Union include: 12-Month CD: 0.65%, 24-Month CD: 0.70%, 60-Month CD: 4.00%, Savings: 5.00%, MMA: 2.33%

Q: What CD terms does Andrews Federal Credit Union offer?

Andrews Federal Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for a 2 year CD, 4.00% APY for a 3 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Andrews Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

Andrews Federal Credit Union's 12 Month Fixed Rate CD rates are at 4.00%, 24 Month Fixed Rate CD rates are at 4.00%, 24 Month Raise Your Rate CD rates are at 4.00%, 36 Month Fixed Rate CD rates are at 4.00%, 36 Month Raise Your Rate CD rates are at 4.00%. Andrews Federal Credit Union's savings rates are at 5.00%. Andrews Federal Credit Union's money market rates are at 2.33%. Andrews Federal Credit Union's checking rates are as high as 5.25%. Andrews Federal Credit Union's Personal Loan Rates are as low as 7.49%. Andrews Federal Credit Union's Credit Card Rates are at 11.49%. Andrews Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Andrews Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.28%. Rates last updated and verified on 10/31/2026.

Andrews Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Andrews Federal Credit Union? Share your experience about Andrews Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Andrews Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.28%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Andrews Federal Credit Union
Allentown Road

5711 Allentown Rd
Suitland, MD 20746

https://www.andrewsfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Andrews Federal Credit Union CD Rates

Product	Rate	APY	Term
Special 15-Month Share Certificate	4.329%	4.40%	15 month
Min Deposit $500 Min Balance $500 Details Offered rate available as of October 19, 2026 for a limited time only; maximum balance $250,000; must be opened with maturing Andrews Federal share certificate funds or new money not currently vested in the Credit Union; no penalties for early withdrawal; at maturity renews to a 12-Month share certificate at the current rate; may be opened online or in a branch Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
12 Month Jumbo Fixed Rate Share Certificate	3.99%	4.05%	12-month
Min Deposit $10,000 Min Balance $10,000 Details Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
24 Month Jumbo Fixed Rate Share Certificate	3.99%	4.05%	24-month
Min Deposit $10,000 Min Balance $10,000 Details Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
36 Month Jumbo Fixed Rate Share Certificate	3.99%	4.05%	36-month
Min Deposit $10,000 Min Balance $10,000 Details Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
48 Month Jumbo Fixed Rate Share Certificate	3.99%	4.05%	48-month
Min Deposit $10,000 Min Balance $10,000 Details Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
60 Month Jumbo Fixed Rate Share Certificate	3.99%	4.05%	60-month
Min Deposit $10,000 Min Balance $10,000 Details Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
12 Month Fixed Rate Share Certificate	3.941%	4.00%	12-month
Min Deposit $1,000 Details Dividends compounded and credited quarterly Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
24 Month Fixed Rate Share Certificate	3.941%	4.00%	24-month
Min Deposit $1,000 Details Dividends compounded and credited quarterly Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
24 Month Raise Your Rate Share Certificate	3.941%	4.00%	24 month
Min Deposit $1,000 Details Raise Your Rate: up to three rate raises, first raise after six months; must maintain $1,000 balance to earn APY Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 26, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
36 Month Fixed Rate Share Certificate	3.941%	4.00%	36-month
Min Deposit $1,000 Details Dividends compounded and credited quarterly Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
36 Month Raise Your Rate Share Certificate	3.941%	4.00%	36 Month
Min Deposit $1,000 Details Raise Your Rate: up to three rate raises, first raise after six months; must maintain $1,000 balance to earn APY Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 26, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
48 Month Fixed Rate Share Certificate	3.941%	4.00%	48-month
Min Deposit $1,000 Details Dividends compounded and credited quarterly Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
48 Month Raise Your Rate Share Certificate	3.941%	4.00%	48 Month
Min Deposit $1,000 Details Raise Your Rate: up to three rate raises, first raise after six months; must maintain $1,000 balance to earn APY Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 26, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
60 Month Fixed Rate Share Certificate	3.941%	4.00%	60-month
Min Deposit $1,000 Details Dividends compounded and credited quarterly Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
6 Month Jumbo Fixed Rate Share Certificate	2.82%	2.85%	6-month
Min Deposit $10,000 Min Balance $10,000 Details Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
6 Month Fixed Rate Share Certificate	2.771%	2.80%	6-month
Min Deposit $1,000 Details Dividends compounded and credited quarterly Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
36 Month Generator Share Certificate - The Generator	0.748%	0.75%	36 months
Min Deposit $50 Min Balance $50 Details Rates effective as of October 19, 2026 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
24 Month Generator Share Certificate - The Generator	0.698%	0.70%	24 months
Min Deposit $50 Min Balance $50 Details Rates effective as of October 19, 2026 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
12 Month Generator Share Certificate - The Generator	0.648%	0.65%	12 months
Min Deposit $50 Min Balance $50 Details Rates effective as of October 19, 2026 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union Savings Rates

Product	Rate	APY
Mission Savings Account	-	5.00%
Min Balance $0 Details Qualifying balance up to $5,000.00; Online Only Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
High Yield Savings Account	3.105%	3.15%
Min Balance $0 Details Balance: $0.01 - $250,000; Dividends compounded and credited monthly; Balances above $250,000 earn the second-tier rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Base Share Savings	0.05%	0.05%
Min Balance $100 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
High Yield Savings Account	0.05%	0.05%
Min Balance $250,000 Details Balance: $250,000.01 and greater; Dividends compounded and credited monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union Money Market Rates

Product	Rate	APY
Premium High-Yield Money Market Account	2.30%	2.325%
Min Balance $100,000 Details Balance: $100,000 and more; Dividends compounded and credited monthly; Rates stated are variable Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.33% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Premium High-Yield Money Market Account	1.785%	1.80%
Min Balance $0 Details Balance: $0.01 - $99,999.99; Dividends compounded and credited monthly; Rates stated are variable Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union Checking Rates

Product	Rate	APY	View More
Kasasa Cash Checking	5.125%	5.25%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $25,000.00; Rates are variable and may change at any time Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 5.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.99%	Up to 20-year
Details As Low As; Fixed-rate loan; Borrow up to 95% of home value minus mortgage balance; Loan amounts $5,000 to $350,000; Subject to credit and property approval Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 36 months	-	-	4.49%	36 months
Details As Low As; Minimum loan $5,000; Maximum loan $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Auto Loan - 48 months	-	-	5.09%	48 months
Details As Low As; Minimum loan $5,000; Maximum loan $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Auto Loan	-	-	5.10%	36 months
Details As Low As; Used vehicle; minimum loan amount $5,000 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85% Sep 27, 20265.10%▲ from 4.85% Sep 15, 20264.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Auto Loan - 60 months	-	-	5.19%	60 months
Details As Low As; Minimum loan $5,000; Maximum loan $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Auto Loan	-	-	5.44%	48 months
Details As Low As; Used vehicle; minimum loan amount $5,000 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 5.19% → 5.44% ▲ 0.25 pts · high 5.44% / low 5.19% Sep 27, 20265.44%▲ from 5.19% Sep 15, 20265.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Auto Loan	-	-	5.54%	60 months
Details As Low As; Used vehicle; minimum loan amount $5,000 Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 5.29% → 5.54% ▲ 0.25 pts · high 5.54% / low 5.29% Sep 27, 20265.54%▲ from 5.29% Sep 15, 20265.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Auto Loan - 72 months	-	-	6.02%	72 months
Details As Low As; Minimum loan $15,000 for *72-month terms; Maximum loan $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.02% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Auto Loan - 84 months	-	-	6.17%	84 months
Details As Low As; Minimum loan $20,000 for **84-month terms; Maximum loan $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.17% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Auto Loan	-	-	6.70%	72 months
Details As Low As; Used vehicle; minimum loan amount $15,000 for 72-month terms Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 6.45% → 6.70% ▲ 0.25 pts · high 6.70% / low 6.45% Sep 27, 20266.70%▲ from 6.45% Sep 15, 20266.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Auto Loan	-	-	7.10%	84 months
Details As Low As; Used vehicle; minimum loan amount $20,000 for 84-month terms Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 6.85% → 7.10% ▲ 0.25 pts · high 7.10% / low 6.85% Sep 27, 20267.10%▲ from 6.85% Sep 15, 20266.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Harley Davidson Motorcycle Loans	-	10.89%	36 months
Details As Low As; Payment Per $1,000 Borrowed $32.69; Minimum loan amount $5,000, maximum $150,000; new Harley-Davidson motorcycles only Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 10.64% → 10.89% ▲ 0.25 pts · high 10.89% / low 10.64% Sep 27, 202610.89%▲ from 10.64% Sep 15, 202610.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Harley Davidson Motorcycle Loans	-	11.39%	48 months
Details As Low As; Payment Per $1,000 Borrowed $26.04; Minimum loan amount $5,000, maximum $150,000; new Harley-Davidson motorcycles only Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 11.14% → 11.39% ▲ 0.25 pts · high 11.39% / low 11.14% Sep 27, 202611.39%▲ from 11.14% Sep 15, 202611.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Harley Davidson Motorcycle Loans	-	11.89%	60 months
Details As Low As; Payment Per $1,000 Borrowed $22.20; Minimum loan amount $5,000, maximum $150,000; new Harley-Davidson motorcycles only Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 11.64% → 11.89% ▲ 0.25 pts · high 11.89% / low 11.64% Sep 27, 202611.89%▲ from 11.64% Sep 15, 202611.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Motorcycle Loans (non Harley Davidson) - 36 Months	-	11.89%	36 Months
Details As Low As; Minimum loan amount $5,000; maximum $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Harley Davidson Motorcycle Loans	-	12.39%	72 months
Details As Low As; Payment Per $1,000 Borrowed $19.76; Minimum loan amount $15,000 for 72-month terms; maximum $150,000; new Harley-Davidson motorcycles only Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 12.14% → 12.39% ▲ 0.25 pts · high 12.39% / low 12.14% Sep 27, 202612.39%▲ from 12.14% Sep 15, 202612.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Motorcycle Loans (non Harley Davidson) - 48 Months	-	12.39%	48 Months
Details As Low As; Minimum loan amount $5,000; maximum $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 12.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Motorcycle Loans (non Harley Davidson) - 36 months	-	12.49%	36 months
Details As Low As; Minimum loan amount $5,000; maximum $150,000; Financing up to 120% of MSRP or JD Power/NADA value; Payment examples exclude optional insurance products; Vehicles more than 10 model years old not financed Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 12.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Harley Davidson Motorcycle Loans	-	12.89%	84 months
Details As Low As; Payment Per $1,000 Borrowed $18.14; Minimum loan amount $20,000 for 84-month terms; maximum $150,000; new Harley-Davidson motorcycles only Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 12.64% → 12.89% ▲ 0.25 pts · high 12.89% / low 12.64% Sep 27, 202612.89%▲ from 12.64% Sep 15, 202612.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Motorcycle Loans (non Harley Davidson) - 60 Months	-	12.89%	60 Months
Details As Low As; Minimum loan amount $5,000; maximum $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 12.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Motorcycle Loans (non Harley Davidson) - 48 months	-	12.99%	48 months
Details As Low As; Minimum loan amount $5,000; maximum $150,000; Financing up to 120% of MSRP or JD Power/NADA value; Payment examples exclude optional insurance products; Vehicles more than 10 model years old not financed Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Motorcycle Loans (non Harley Davidson) - 72 Months	-	13.39%	72 Months
Details As Low As; Minimum loan amount $15,000 for 72-month terms; maximum $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 13.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Recreational Vehicle Loans	-	13.49%	36 months
Details As Low As; Minimum loan amount $5,000; maximum $150,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24% Sep 27, 202613.49%▲ from 13.24% Sep 18, 202613.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Motorcycle Loans (non Harley Davidson) - 60 months	-	13.49%	60 months
Details As Low As; Minimum loan amount $5,000; maximum $150,000; Financing up to 120% of MSRP or JD Power/NADA value; Payment examples exclude optional insurance products; Vehicles more than 10 model years old not financed Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 13.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Motorcycle Loans (non Harley Davidson) - 84 Months	-	13.89%	84 Months
Details As Low As; Minimum loan amount $20,000 for 84-month terms; maximum $150,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 13.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Recreational Vehicle Loans	-	13.99%	48 months
Details As Low As; Minimum loan amount $5,000; maximum $150,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 13.74% → 13.99% ▲ 0.25 pts · high 13.99% / low 13.74% Sep 27, 202613.99%▲ from 13.74% Sep 18, 202613.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Boat Loans	-	13.99%
Details As Low As; Payment Per $1,000 Borrowed: $34.18 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Motorcycle Loans (non Harley Davidson) - 72 months	-	13.99%	72 months
Details As Low As; Minimum loan amount $15,000 for 72-month terms; maximum $150,000; Financing up to 120% of MSRP or JD Power/NADA value; Payment examples exclude optional insurance products; Vehicles more than 10 model years old not financed Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Recreational Vehicle Loans	-	14.49%	60 months
Details As Low As; Minimum loan amount $5,000; maximum $150,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 14.24% → 14.49% ▲ 0.25 pts · high 14.49% / low 14.24% Sep 27, 202614.49%▲ from 14.24% Sep 18, 202614.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Boat Loans	-	14.49%
Details As Low As; Payment Per $1,000 Borrowed: $27.58 Last Updated 10/31/2026 Rate History 1 change since Oct 7, 2026 · 13.99% → 14.49% ▲ 0.50 pts · high 14.49% / low 13.99% Oct 14, 202614.49%▲ from 13.99% Oct 7, 202613.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Motorcycle Loans (non Harley Davidson) - 84 months	-	14.49%	84 months
Details As Low As; Minimum loan amount $20,000 for 84-month terms; maximum $150,000; Financing up to 120% of MSRP or JD Power/NADA value; Payment examples exclude optional insurance products; Vehicles more than 10 model years old not financed Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 14.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Recreational Vehicle Loans	-	14.99%	72 months
Details As Low As; Minimum loan amount $5,000; maximum $150,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 14.74% → 14.99% ▲ 0.25 pts · high 14.99% / low 14.74% Sep 27, 202614.99%▲ from 14.74% Sep 18, 202614.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Boat Loans	-	14.99%
Details As Low As; Payment Per $1,000 Borrowed: $23.79 Last Updated 10/31/2026 Rate History 1 change since Oct 7, 2026 · 13.99% → 14.99% ▲ 1.00 pts · high 14.99% / low 13.99% Oct 14, 202614.99%▲ from 13.99% Oct 7, 202613.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
New Recreational Vehicle Loans	-	15.49%	84 months
Details As Low As; Minimum loan amount $5,000; maximum $150,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 15.24% → 15.49% ▲ 0.25 pts · high 15.49% / low 15.24% Sep 27, 202615.49%▲ from 15.24% Sep 18, 202615.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Boat Loans	-	15.49%
Details As Low As; Payment Per $1,000 Borrowed: $21.42 Last Updated 10/31/2026 Rate History 1 change since Oct 7, 2026 · 13.99% → 15.49% ▲ 1.50 pts · high 15.49% / low 13.99% Oct 14, 202615.49%▲ from 13.99% Oct 7, 202613.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Used Boat Loans	-	15.99%
Details As Low As; Payment Per $1,000 Borrowed: $19.86 Last Updated 10/31/2026 Rate History 1 change since Oct 7, 2026 · 13.99% → 15.99% ▲ 2.00 pts · high 15.99% / low 13.99% Oct 14, 202615.99%▲ from 13.99% Oct 7, 202613.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union Credit Card Rates

Product	Rate	APR
Supreme Visa Credit Card	-	11.49%
Details As Low As; Credit Limit: Up to $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Business Visa Credit Card	-	12.75%
Details As Low As; Credit Limit: Up to $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 12.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Titanium Visa Credit Card	-	12.99%
Details As Low As; Credit Limit: Up to $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 12.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Supreme Rewards Visa Credit Card	-	17.99%
Details As Low As; Credit Limit: Up to $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 17.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured, Bill Consolidation, Signature Personal Loan	7.49%	36 months
Details As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Unsecured, Bill Consolidation, Signature Personal Loan	9.49%	48 months
Details As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Unsecured, Bill Consolidation, Signature Personal Loan	9.75%	60 months
Details As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Unsecured, Bill Consolidation, Signature Personal Loan	11.75%	72 months
Details As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000; terms greater than 72 months require minimum $10,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Unsecured, Bill Consolidation, Signature Personal Loan	12.00%	84 months
Details As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Andrews Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Premier Line of Credit	-	-	13.50%
Details As Low As; Credit Limit (Up to a Maximum Of): $50,000; Variable rate Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 13.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%
Kasasa Saver Account Savings	1.736%	-	1.75%
Min Deposit $0 Details Qualifications Required; Qualifying balance up to $100,000.00 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Andrews Federal Credit Union’s Texas Ratio rose from 8.20% in Q3 2023 to 10.28% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.7B	10.28%	5.0	A
March 31, 2026	$2.6B	9.39%	5.0	A
December 31, 2025	$2.6B	11.43%	5.0	A
September 30, 2025	$2.5B	11.23%	5.0	A
June 30, 2025	$2.5B	11.11%	5.0	A
March 31, 2025	$2.5B	8.70%	5.0	A
December 31, 2024	$2.4B	12.78%	5.0	A
September 30, 2024	$2.5B	9.98%	5.0	A
June 30, 2024	$2.6B	10.35%	5.0	A
March 31, 2024	$2.6B	8.07%	5.0	A
December 31, 2023	$2.3B	7.24%	5.0	A
September 30, 2023	$2.3B	8.20%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Andrews Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Andrews Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Andrews Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Andrews Federal Credit Union

Website https://www.andrewsfcu.org

Address 5711 Allentown Rd, Suitland, MD 20746

Phone 800-487-5500

Fax 301-702-5319

President Kenneth McKinney

CEO Kenneth Orgeron

Full-Time Employees 313

Part-Time Employees 2

Branch Locations 17

ATM Locations 15

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.28%

Return on Assets (ROA)

0.2054%

Return on Equity (ROE)

1.9340%

Non-Performing Loans Ratio (NPL)

1.51%

Total Assets

2,688,294,474

Total Amount of Shares and Deposits

2,030,203,276

Total Shares and Deposits < 1 Year

1,931,553,072

Total Shares and Deposits 1 3 Years

77,234,084

Total Shares and Deposits > 3 Years

21,416,120

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

211,981,583

Total Uninsured Shares and Deposits > $250K (F+J)

211,981,583

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,818,221,693

Total Interest Expense (Sum of items 6 8)

26,821,617

Share Certificates

13,118

Number of Accounts for Share Drafts

82,211

IRA KEOGH Accounts

3,889

Number of Accounts for Regular Shares

200,561

All other shares

2,862

Money Market Shares

5,735

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

89,134,689

Total Liabilities

2,402,038,001

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Andrews Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Andrews Federal Credit Union

Does Andrews Federal Credit Union offer CDs?

Yes. Andrews Federal Credit Union current CD rates include its 12 Month Fixed Rate CD at 4.00% APY, its 24 Month Fixed Rate CD at 4.00% APY and its 24 Month Raise Your Rate CD at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from Andrews Federal Credit Union NCUA insured?

Yes. Andrews Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Andrews Federal Credit Union?

The highest Andrews Federal Credit Union CD rate is its Special 15-Month CD at 4.40% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does Andrews Federal Credit Union offer?

Andrews Federal Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for a 2 year CD, 4.00% APY for a 3 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Andrews Federal Credit Union for its full lineup.

What is the highest savings rate at Andrews Federal Credit Union?

The highest Andrews Federal Credit Union savings rate is its Mission Savings Account at 5.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at Andrews Federal Credit Union?

The highest Andrews Federal Credit Union money market rate is its Premium High-Yield Money Market Account at 2.325% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at Andrews Federal Credit Union?

The highest Andrews Federal Credit Union checking rate is its Kasasa Cash Checking at 5.25% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at Andrews Federal Credit Union?

The lowest Andrews Federal Credit Union auto loan rate is its New Auto Loan - 36 months at 4.49% APR, verified by MonitorBankRates as of October 31, 2026. Andrews Federal Credit Union auto loan rates are 4.49% APR for a 36 month auto loan, 5.09% APR for a 48 month auto loan, 5.19% APR for a 60 month auto loan, 6.02% APR for a 72 month auto loan and 6.17% APR for an 84 month auto loan.

What is the lowest personal loan rate at Andrews Federal Credit Union?

The lowest Andrews Federal Credit Union personal loan rate is its Unsecured, Bill Consolidation, Signature Personal Loan at 7.49% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at Andrews Federal Credit Union?

The lowest Andrews Federal Credit Union credit card APR is its Supreme Visa Credit Card at 11.49% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does Andrews Federal Credit Union operate?

Andrews Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Andrews Federal Credit Union?

Yes, to access services at Andrews Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Andrews Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Andrews Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Andrews Federal Credit Union offer online and mobile banking?

Most modern institutions like Andrews Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.andrewsfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Andrews Federal Credit Union rates compare?

Andrews Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. Andrews Federal Credit Union's top rates are its Special 15-Month CD at 4.40% APY, its Mission Savings Account at 5.00% APY, its Premium High-Yield Money Market Account at 2.325% APY, its Kasasa Cash Checking at 5.25% APY, its Unsecured, Bill Consolidation, Signature Personal Loan at 7.49% APR and its Supreme Visa Credit Card at 11.49% APR, verified by MonitorBankRates on October 31, 2026.

Current Andrews Federal Credit Union Rates

12-Month CD0.65%
24-Month CD0.70%
60-Month CD4.00%
Savings5.00%
MMA2.33%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Andrews Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Andrews Federal Credit Union Texas Ratio

Andrews Federal Credit Union Health Trend

Andrews Federal Credit Union CD Rates

Andrews Federal Credit Union Savings Rates

Andrews Federal Credit Union Money Market Rates

Andrews Federal Credit Union Checking Rates

Andrews Federal Credit Union Home Equity & HELOC

Andrews Federal Credit Union Auto Loan Rates

Andrews Federal Credit Union RV, Boat and Powersport Loan Rates

Andrews Federal Credit Union Credit Card Rates

Andrews Federal Credit Union Personal Loan Rates

Andrews Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Andrews Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Andrews Federal Credit Union

Does Andrews Federal Credit Union offer CDs?

Are CDs from Andrews Federal Credit Union NCUA insured?

What is the highest CD rate at Andrews Federal Credit Union?

What CD terms does Andrews Federal Credit Union offer?

What is the highest savings rate at Andrews Federal Credit Union?

What is the highest money market rate at Andrews Federal Credit Union?

What is the highest checking rate at Andrews Federal Credit Union?

What is the lowest auto loan rate at Andrews Federal Credit Union?

What is the lowest personal loan rate at Andrews Federal Credit Union?

What is the lowest credit card APR at Andrews Federal Credit Union?

How many branches does Andrews Federal Credit Union operate?

Is a member application needed to join Andrews Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Andrews Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Andrews Federal Credit Union rates compare?

Current Andrews Federal Credit Union Rates

Compare to Other Credit Unions