Competitive Rates for Deposits and Loans

APY = Annual Percentage Yield. Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly.

¹APY = Annual Percentage Yield. Dividends are compounded and credited monthly. Rates may change at any time after account is opened. Must be a member of the credit union to open any deposit account. Membership eligibility required. No minimum balance, recurring monthly maintenance charges or fees to open or close this account. Maximum balance is $250,000. Excess transaction fee applies if you make more than six transfers or withdrawals from your High-Yield Savings Account in a calendar month. Only one (1) High-Yield Savings Account allowed per membership. Fees may reduce earnings. The Credit Union reserves the right to end this promotion early at its own discretion. Deposits are insured up to at least $250,000 per individual depositor by NCUA. Visit mycreditunion.gov for more information on share insurance coverage

²APY = Annual Percentage Yield. The Online Savings is a tiered, variable rate account. Rates may change at any time after the account is opened. Account is only offered to be opened through online or mobile banking. Dividends are credited and compounded monthly. If the average daily balance of the account exceeds $1,000, the remaining balance will be paid at the variable rate stated for the second tier. There is no minimum balance to open or maintain this account. Maximum balance is $250,000. Fees may reduce earnings on this account. Offered rates are subject to change at any time. The Credit Union reserves the right to end this promotion early at its own discretion. 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.

³Kasasa Saver Account: Must be a member of the credit union to open any deposit account. Membership eligibility required. Advertised 2.00% APY available for balances up to $100,000. Balances below cap will earn 0.05% APY. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A Kasasa Saver account can be linked to a Kasasa Cash or Kasasa Cash Back account, to automate transfer of checking account rewards for automatic savings. Visit andrewsfcu.org/kasasa for full details of qualifications, rates, rewards, fees, account specifics and restrictions. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, and enrollment in online banking and e-statements are required for this account. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A. View Monthly Qualification and Statement Cycles.

APY = Annual Percentage Yield. Rates effective as of . Rates offered are subject to change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The Base Share Savings Account must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn the advertised APY. 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.

⁵APY = Annual Percentage Yield. Rates effective as of September 21, 2022. Rates offered are subject to change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The Planners Savings Account must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn the advertised APY. 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.

⁶APY = Annual Percentage Yield. Rates effective as of September 21, 2022. Rates offered are subject to change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The IRA Savings Account must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn the advertised APY. 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.

⁷APY = Annual Percentage Yield. Rates effective as of September 21, 2022. Rates offered are subject to change at any time. Fees may reduce earnings on the account. Holiday Club is a variable rate account with an annual maturity date of November 1st; your actual term will vary depending on open date of account. Upon maturity, funds will transfer automatically into your Base Share Savings account. No minimum balance to open or maintain account, and no minimum balance is required to earn the APY. Dividends are compounded and credited quarterly. Penalties apply for early withdrawal. 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.

⁸APY = Annual Percentage Yield. Rates effective as of September 21, 2022. Vacation Club is a variable rate account with an annual maturity date of May 1st; your actual term will vary depending on open date of account. Upon maturity, funds will transfer automatically into your Base Share Savings account. No minimum balance to open or maintain account, and no minimum balance is required to earn the APY. Dividends are compounded and credited quarterly. Fees may reduce earnings on the account. Penalties apply for early withdrawal. 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.

²APY = Annual Percentage Yield. Rates effective as of September 30, 2025. 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 $1,000 deposit; must maintain a minimum $1,000 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.

³APY = Annual Percentage Yield. Rates effective as of September 30, 2025. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The certificate must be opened with a minimum $1,000 deposit; must maintain a minimum $1,000 balance to earn the advertised APY. 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.

APY = Annual Percentage Yield. Rates effective as of September 17, 2025. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Jumbo certificate must be opened with a minimum $10,000.00 deposit; must maintain a minimum $10,000.00 balance to earn the advertised Jumbo APY. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. 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.

⁵APY = Annual Percentage Yield. Rates effective as of September 30, 2025. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The certificate must be opened with a minimum $1,000 deposit; must maintain a minimum $1,000 balance to earn the advertised APY. 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.

⁶APY = Annual Percentage Yield. Rates effective as of September 30, 2025. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Jumbo certificate must be opened with a minimum $10,000.00 deposit; must maintain a minimum $10,000.00 balance to earn the advertised Jumbo APY. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. 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.

⁷APY = Annual Percentage Yield. Rates effective as of September 30, 2025. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Rates offered are subject to change at any time. Penalties apply for early withdrawal; fees may reduce earnings on the account. Dividends are compounded and credited quarterly. Certificate must be opened with a minimum $50.00 deposit; must maintain a minimum $50.00 balance to earn the advertised APY. Deposits are allowed in branch, through automatic direct deposits, and online (as transfers from another share). 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.

APY = Annual Percentage Yield. Rates are current as of September 17, 2025. Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly. Excess transaction fee applies if you make more than six transfers or withdrawals from your money market account in a calendar month.

APY = Annual Percentage Yield. Rates are current as of September 17, 2025. Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly. Excess transaction fee applies if you make more than six transfers or withdrawals from your money market account in a calendar month. 

¹APY = Annual Percentage Yield. Rates effective as of September 30, 2025. Rates offered are subject to change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited quarterly. The Business Planning Savings Account must be opened with a minimum $5 deposit; must maintain a minimum $100 balance to earn the advertised APY. 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.

APY = Annual Percentage Yield. Rates effective as of September 30, 2025.