Save Smarter and Faster
High-Yield Savings Account Made Simpler
Grow your savings faster with a competitive 3.85% APY and enjoy flexible access to your funds.
Why Choose a High-Yield Savings Account?
Your money should work hard for you. With a High-Yield Savings Account1 from Andrews Federal, you can earn more on your deposits, while also keeping your money flexible and accessible.
High Dividends
You'll earn $336 more with a High-Yield Savings Account from Andrews Federal versus the national average savings account2
No Minimums and Fees
No minimum balance required to open this account and no monthly maintenance fee
Safe and Secure
Your deposits are federally insured by NCUA up to $250,000
Earn for the Future
Planning for a long-term goal? Start working toward it now.
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Your Questions. Answered.
Frequently Asked Questions about High-Yield Savings Accounts
Learn about the High-Yield Savings Account - the requirements, the requirements and more.
Is my money safe in a High-Yield Savings Account?
Yes, your funds are federally insured by NCUA up to $250,000.
Can I access my money anytime?
There are no set term lengths for a High-Yield Savings Account, and your money is available for you to access whenever you desire.
How do I open a High-Yield Savings Account?
Log in to Digital Banking and choose Product Management, then select the High-Yield Savings account.
How are my dividends calculated for the High-Yield Savings Account?
Dividends are compounded and credited monthly.
Can I open more than one High-Yield Savings Account?
You can only open one High-Yield Savings Account per membership.
Is my rate guaranteed?
Rates are subject to change without notice. You can check our rates page for specific rates for each type of deposit account we offer.
*APY = Annual Percentage Yield.
1High-Yield Savings Account - 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.
2National Average Savings - With a $10,000 balance, Andrews Federal’s 3.85% APY earns $336 more than the .49% national average in just one year as per Depositaccounts.com as of October 6, 2025.