In a move that sets a new benchmark in the short-term savings landscape, Andrews Federal Credit Union introduces a compelling offer for new members: a 24-Month Share Certificate Special boasting an Annual Percentage Yield (APY) of 3.80%.
This standout rate is not only a market leading APY but also positions the Maryland-based credit union as a go-to for savvy savers looking for significant returns on their investments for a 24-month CD.
The offer is available nationwide through easy membership.
- Update 4/21/25: Rates have updated.
- Update 11/25/25: Rate have decreased slightly.
- Update 3/29/24: Rates have decreased.
READ MORE: SEE THE BEST CD RATES HERE
Andrews FCU Exclusive Offer for New Members
Designed exclusively for individuals who have joined Andrews Federal Credit Union after January 1, 2024, this limited-time offer caters specifically to the newest members of their community.
It’s an incentive that underlines the credit union’s dedication to enriching the financial well-being of its members from the outset.
The 24-Month Share Certificate Special is not available to those who have had their accounts closed within the last 180 days or are already primary on an existing membership, ensuring that new members receive a warm welcome.
TRENDING DEAL:
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 10/3/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.51% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Terms and Conditions
With a minimum opening deposit of $1,000 and a maximum deposit cap of $250,000, the offer is structured to accommodate a wide range of savers, from those looking to park a modest sum to those wishing to invest a more substantial amount. However, it’s important to note the credit union’s reserve right to limit deposits into this special certificate, a cautionary measure likely in place to maintain the offer’s sustainability.
BMO Bank is currently offering a $350 or $500 cash bonus for a new checking account. Alternatively, Chase is offering a $300 bonus for its Chase Total Checking account.
Early Withdrawal Penalty and Accessibility
Members interested in these offers should be aware of the early withdrawal penalty, equating to 90 days of dividends for accounts with an original maturity of less than 24 months. Such terms are typical for share certificates and CDs, designed to encourage savers to maintain their deposits for the full term to reap the maximum benefits.
Broad Membership Eligibility
Andrews Federal Credit Union boasts an easy membership requirement, opening its doors to virtually all U.S. citizens or resident aliens with a valid Social Security number. Through affiliations such as the American Consumer Council (ACC), residency, military relationship, employment, association ties, or family membership, Andrews Federal simplifies the eligibility process, making it straightforward for new members to join and take advantage of this special offer.
Trending Checking Account Deal:
Simplified Account Opening Process
Prospective members can easily join Andrews Federal and open the 24-Month Share Certificate Special online or at any of their branches, including those located overseas for military personnel. The credit union’s integration with the CO-OP Share Branch Network further enhances accessibility, offering extensive ATM and branch service options nationwide.
Our Take On This CD Offer
Andrews Federal Credit Union’s 24-Month Share Certificate Special at 4.30% APY is an enticing option for new members seeking a high-yield, short-term investment. This offer reflects the credit union’s commitment to providing competitive savings solutions and underscores the benefits of credit union membership, especially for those looking to maximize their returns in the current financial climate. With easy membership requirements and a straightforward account opening process, this special certificate is a noteworthy opportunity for savers to bolster their financial portfolios efficiently.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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