Andrews Federal Credit Union
Andrews Federal Credit Union began in 1948 when eight civilians from the Andrews Air Force Base bowling league pooled their money together to form a small credit union. By 1955, they expanded their charter to include military personnel and their families, becoming Andrews Air Force Base Credit Union as we know it today.
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Andrews Federal Credit Union
The institution grew, and Andrews FCU became one of only six credit unions offering overseas service in 1968. Today, with branches and ATM access in Washington, D.C., Maryland, Northern Virginia, and New Jersey, as well as U.S. Army garrisons in Germany, Belgium, and the Netherlands, Andrews FCU serves more than 139,000 members.
Membership at AFCU is rooted in its selective field: if you’re active-duty or retired military, a military spouse or dependent, or a DOD civilian/contractor at Joint Base Andrews or McGuire-Dix-Lakehurst, you’re eligible for membership. That includes personnel stationed overseas in the Netherlands, Belgium, or Germany, provided you hold a valid military ID and reside within the coverage area.
Additionally, civilians can qualify to join by working for one of over 200 select employer groups in the D.C./Maryland/New Jersey region or by joining the American Consumer Council.
Financial Solutions Designed for Military Life
Digital and Global Banking Access
Andrews FCU’s Digital Banking platform supports international lifestyles with online account access, mobile deposits, Zelle® transfers, and secure payments in local European currencies.
Vehicle Financing in Europe
Since 1963, Andrews FCU has partnered with Military AutoSource (MAS) to offer service members stationed overseas military-specific vehicle purchasing options. This means you can use privileged military pricing, secure financing, select from a global inventory, custom-order a vehicle, and take delivery overseas or upon return home.
Overseas Utility Relief During Crisis
When utility costs spiked during the Ukraine conflict, Andrews FCU introduced two targeted relief programs for overseas military members. These programs were designed to ease financial strain caused by external global events. Check to see if these are still offered or if there is a similar option for today’s needs.
- Overseas Utility Relief Assistance Grant: Up to $2,500, available to qualifying households in USAG Benelux or Wiesbaden after budgeting consultation and receipt of supporting bills
- Overseas Utility Relief Assistance Loan: Low-interest loans up to $5,000 for similar purposes.
Banking with Military Perks
- Andrews FCU’s checking account earns interest on balances up to $25,000. There are no monthly maintenance fees, no minimum balance requirements, and no deposit needed to open the account.
- Andrews FCU offers competitive rates on money market accounts and share certificates, giving members flexible ways to grow their savings. With options for short- and long-term terms and rates that stay competitive with national averages, these accounts are designed to work for a range of savings goals. Share certificates are available in various term lengths and typically come with higher yields for larger balances.
- Andrews FCU also offers VA home loans, and auto and personal loans.
Loan Payment Options at Andrews FCU
Andrews Federal offers several ways to pay off your loan, depending on how you handle your finances. If you already have an account and use its digital banking, you can log in to set up one-time or recurring payments straight from checking or savings. It’s the simplest option if you’re already managing other accounts there.
If you don’t bank with Andrews regularly or just don’t want to log in, there’s also an external payment portal on their site. After a verification step, it lets you make a one-time payment using a debit card or another bank account. You’re limited to $2,500 per transaction and up to four payments a month through that method.
Both options are available through the credit union’s main website, and there are no fees for using either service.
Financial Education and Guidance
Andrews FCU helps service members through initiatives such as its Armed Forces Financial Guide, written by personal finance experts and experienced military leaders. It also provides free financial counseling and on-base classes that cover everything from budgeting during deployments to preparing for major life transitions or PCS moves.
Andrews Federal Customer Support Services
Andrews FCU offers several ways to get help when you need it. You can call them at 800-487-5500 if you’re in the U.S. or use 00800-487-56267 if you’re overseas. If you prefer not to call, its digital banking platform offers a secure messaging feature that lets you ask questions without leaving your account. There’s also a live chat assistant, Mission, who can answer common questions anytime online.
If you want to handle things in person, Andrews Federal has branches in Suitland, Maryland, and Mt. Laurel, New Jersey, where you can get face-to-face support during business hours.
Visit Andrews FCU.
