# Andrews Federal Credit Union CD and share certificate rates

As of October 22, 2026, Andrews Federal Credit Union's highest tracked CD (share certificate) rate is 4.40% APY on a 15-month promotional CD ($500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.65% to 4.05% APY.

Canonical page: https://apyledger.com/cd-rates/andrews-federal-credit-union
Institution: Andrews Federal Credit Union (NCUA 5754)
Aliases: 
Status: live
Last verified: 2026-10-22T16:20:55.000Z (October 22, 2026)
Official source: https://www.andrewsfcu.org/rates
Coverage: Membership required. Share certificates from 6 to 84 months with $1,000 and $10,000 balance tiers, plus The Generator certificate ($50 minimum). Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Fixed Rate Share Certificate | standard | 6 months | $10,000 | 2.85% | Not ZIP-priced | −1.55% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 6 months | $1,000 | 2.80% | Not ZIP-priced | −1.60% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Jumbo Fixed Rate Share Certificate | standard | 12 months | $10,000 | 4.05% | Not ZIP-priced | −0.52% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 12 months | $1,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Generator Share Certificate | standard | 12 months | $50 | 0.65% | Not ZIP-priced | −3.92% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Special 15-Month Share Certificate | promotional | 15 months | $500 | 4.40% | Not ZIP-priced | −0.25% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Jumbo Fixed Rate Share Certificate | standard | 24 months | $10,000 | 4.05% | Not ZIP-priced | −0.82% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 24 months | $1,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 24 months | $1,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Generator Share Certificate | standard | 24 months | $50 | 0.70% | Not ZIP-priced | −4.17% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Jumbo Fixed Rate Share Certificate | standard | 36 months | $10,000 | 4.05% | Not ZIP-priced | −0.90% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 36 months | $1,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 36 months | $1,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Generator Share Certificate | standard | 36 months | $50 | 0.75% | Not ZIP-priced | −4.20% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Jumbo Fixed Rate Share Certificate | standard | 48 months | $10,000 | 4.05% | Not ZIP-priced | −0.93% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 48 months | $1,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 48 months | $1,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Jumbo Fixed Rate Share Certificate | standard | 60 months | $10,000 | 4.05% | Not ZIP-priced | −0.96% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |
| Fixed Rate Share Certificate | standard | 60 months | $1,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-22T16:20:55.000Z | [Snapshot 308](https://apyledger.com/snapshots/308) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.