Andrews Federal CD Rates (November 2026) & Calculator
Andrews Federal pays up to 4.40% APY on a 15-month certificate. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Andrews Federal CD rates (Nov 7, 2026)
Every certificate term Andrews Federal lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 6 months | Jumbo Fixed Rate Share Certificate | $10,000 | 2.85% | $141.50 |
| Fixed Rate Share Certificate | $1,000 | 2.80% | $139.03 | |
| 1 year | Jumbo Fixed Rate Share Certificate | $10,000 | 4.05% | $405.00 |
| Fixed Rate Share Certificate | $1,000 | 4.00% | $400.00 | |
| Generator Share Certificate | $50 | 0.65% | $65.00 | |
| 15 months | Special 15-Month Share CertificateSpecial | $500 | 4.40% | $552.99 |
| 2 years | Jumbo Fixed Rate Share Certificate | $10,000 | 4.05% | $826.40 |
| Fixed Rate Share Certificate | $1,000 | 4.00% | $816.00 | |
| Raise Your Rate Share Certificate | $1,000 | 4.00% | $816.00 | |
| Generator Share Certificate | $50 | 0.70% | $140.49 | |
| 3 years | Jumbo Fixed Rate Share Certificate | $10,000 | 4.05% | $1,264.87 |
| Fixed Rate Share Certificate | $1,000 | 4.00% | $1,248.64 | |
| Raise Your Rate Share Certificate | $1,000 | 4.00% | $1,248.64 | |
| Generator Share Certificate | $50 | 0.75% | $226.69 | |
| 4 years | Jumbo Fixed Rate Share Certificate | $10,000 | 4.05% | $1,721.10 |
| Fixed Rate Share Certificate | $1,000 | 4.00% | $1,698.59 | |
| Raise Your Rate Share Certificate | $1,000 | 4.00% | $1,698.59 | |
| 5 years | Jumbo Fixed Rate Share Certificate | $10,000 | 4.05% | $2,195.80 |
| Fixed Rate Share Certificate | $1,000 | 4.00% | $2,166.53 |
Special is a promotional rate. Relationship needs a linked account at Andrews Federal. A dash means the same APY as the opening balance. The highlighted row is Andrews Federal's top rate.
Source: Andrews Federal certificate rates. Rates change often; confirm before you open an account.
Andrews Federal vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 82 other banks we track for the same term.
| Term | Andrews Federal | National avg | Best other bank |
|---|---|---|---|
| 6 months | 2.85% | 1.39% |  Popular Direct 4.35% |
| 1 year | 4.05% | 1.76% |  Sallie Mae 4.60% |
| 15 months | 4.40% | 1.76% (12 mo) | Sallie Mae 4.65% |
| 2 years | 4.05% | 1.55% |  E*TRADE 4.80% |
| 3 years | 4.05% | 1.39% | Popular Direct 4.85% |
| 4 years | 4.05% | 1.31% | Popular Direct 4.95% |
| 5 years | 4.05% | 1.41% | Sallie Mae 5.00% |
Laddering $10,000 across Andrews Federal's 1 year at 4.05%, 2 years at 4.05%, 3 years at 4.05% earns $832.09 by the time every rung matures, and frees cash every year. Plan the full ladder, mixing banks if you like, on the CD ladder calculator.
Who can join Andrews Federal
Open to anyone 18 or older who meets the membership criteria. Joining the American Consumer Council (no fee) gives immediate eligibility. Membership details.
Taxes on Andrews Federal certificate interest
Certificate dividends are taxed like bank interest: taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the certificate until maturity. Andrews Federal sends Form 1099-INT when you earn $10 or more in a year. For example, the $552.99 that $10,000 earns over 15 months at 4.40% would cost about $122 in federal tax in the 22% bracket.
If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. Certificates held in an IRA follow IRA tax rules instead. See IRS Publication 550.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Andrews Federal's published rule for that term.
Rates come from Andrews Federal's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Andrews Federal's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 7, 2026 · Maintained by the Financial Calculator editorial team.
Andrews Federal CD FAQs
Quick answers about Andrews Federal certificate rates and penalties.
What are Andrews Federal's CD rates today?
How much will $10,000 earn in a 15-month Andrews Federal certificate?
Are Andrews Federal certificates insured?
How do Andrews Federal's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 7, 2026. Andrews Federal's best is 4.40%.
- Popular Direct1-year 4.60%Top rate5.00%5 yr
- Sallie Mae1-year 4.60%Top rate5.00%5 yr
- E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr- FNBA1-year 4.45%4.75%10 yr
Synchrony1-year 4.30%4.75%5 yr- Wright-Patt1-year 4.25%Credit union4.70%6 yr
Ally1-year 4.50%4.50%1 yr
American Express1-year 3.75%4.50%10 mo
CIBC Agility1-year 4.50%4.50%1 yr
EverBank1-year 3.50%4.50%2 yr
Live Oak Bank1-year 4.50%4.50%1 yr
Salem Five1-year 4.50%4.50%1 yr
America First1-year 3.90%Credit union4.45%5 yr
Capital One1-year 4.45%4.45%1 yr
Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr
Bask Bank1-year 4.35%4.35%1 yr- Consumers Credit Union1-year 0.90%Credit union4.35%7 mo
- Alliant1-year 4.30%Credit union4.30%1 yr
Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
ICCU1-year 4.15%Credit union4.30%5 yr- SchoolsFirst FCU1-year 3.95%Credit union4.30%19 mo
SECU1-year 4.00%Credit union4.30%18 mo
TD Bank1-year 4.15%4.30%2 yr
BOK FinancialNo 1-year CD4.25%14 mo
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
Poppy Bank1-year 4.25%4.25%3 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.
Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
Cambridge Savings1-year 2.75%4.10%10 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.
Navy Federal1-year 4.05%Credit union4.10%18 mo
Valley Bank1-year 3.50%4.10%6 mo
WaFd Bank1-year 3.00%4.10%13 mo- United Bank1-year 2.00%4.05%11 mo
Bangor Savings1-year 0.85%4.00%39 mo · rel.
Cape Cod Five1-year 4.00%4.00%1 yr · rel.
CIT Bank1-year 4.00%4.00%1 yr
First Citizens1-year 2.00%4.00%5 mo- First Internet Bank1-year 4.00%4.00%1 yr
- Mission Fed1-year 3.10%Credit union4.00%11 mo
- Sutton Bank1-year 0.40%4.00%13 mo · rel.
Hingham Savings1-year 3.90%3.90%1 yr- Customers BankNo 1-year CD3.85%3 mo
- Johnson Bank1-year 2.75%3.85%13 mo
PenFed1-year 3.60%Credit union3.80%5 yr
Armed Forces Bank1-year 3.55%3.75%18 mo
ESL1-year 0.12%Credit union3.75%7 mo
Five Star Bank1-year 0.30%3.75%11 mo
Forbright Bank1-year 3.65%3.75%9 mo
Open Bank1-year 3.75%3.75%1 yr
Star One1-year 3.70%Credit union3.75%2 yr
Fifth Third1-year 3.70%3.70%1 yr- Unitus1-year 3.65%Credit union3.65%1 yr
Chase1-year 0.50%3.50%8 mo · rel.
DCU1-year 3.50%Credit union3.50%1 yr
U.S. Bank1-year 3.40%3.50%9 mo
Western Alliance1-year 2.78%3.48%3 mo
Amalgamated Bank1-year 3.40%3.40%1 yr
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- Fremont Bank1-year 1.25%3.30%9 mo
- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
Apple Bank1-year 3.00%3.00%6 mo
USAA1-year 1.80%2.25%7 mo
OceanFirst1-year 0.10%0.50%7 yr- Central Pacific Bank1-year 0.13%0.13%1 yr · rel.
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat Andrews Federal's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.