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Edwards Federal Credit Union

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Edwards Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Edwards Federal Credit Union?

Current rates for Edwards Federal Credit Union include: 12-Month CD: 3.35%, 18-Month CD: 3.35%, 24-Month CD: 3.35%, 60-Month CD: 3.65%, Savings: 1.80%

Q: What CD terms does Edwards Federal Credit Union offer?

Edwards Federal Credit Union CD rates are 3.35% APY for a 12 month CD, 3.35% APY for a 15 month CD, 3.35% APY for an 18 month CD, 3.35% APY for a 2 year CD, 3.40% APY for a 3 year CD, 3.45% APY for a 4 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Edwards Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Edwards Federal Credit Union's Share (CDs) and IRA CDs - 60 month rates are at 3.65%, Share (CDs) and IRA CDs - 48 month rates are at 3.45%, Share (CDs) and IRA CDs - 36 month rates are at 3.40%, Share (CDs) and IRA CDs - 12 month rates are at 3.35%, Share (CDs) and IRA CDs - 15 month rates are at 3.35%. Edwards Federal Credit Union's savings rates are at 1.80%. Edwards Federal Credit Union's Personal Loan Rates are as low as 9.24%. Edwards Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Edwards Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.91%. Rates last updated and verified on 10/29/2026.

Edwards Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Edwards Federal Credit Union? Share your experience about Edwards Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Edwards Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.91%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Edwards Federal Credit Union
Edwards AFB Branch

10 S Muroc Dr
Edwards, CA 93524-8002

https://edwardsfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Edwards Federal Credit Union CD Rates

Product	Rate	APY	Term
Share (CDs) and IRA Certificates - 60 month	-	3.65%	60 Months
Min Balance $1,000 Details APYs paid at maturity only; penalty applies for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Share (CDs) and IRA Certificates - 48 month	-	3.45%	48 Months
Min Balance $1,000 Details APYs paid at maturity only; penalty applies for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Share (CDs) and IRA Certificates - 36 month	-	3.40%	36 Months
Min Balance $1,000 Details APYs paid at maturity only; penalty applies for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Sep 21, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Share (CDs) and IRA Certificates - 12 month	-	3.35%	12 Months
Min Balance $1,000 Details APYs paid at maturity only; penalty applies for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30% Sep 21, 20263.35%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Share (CDs) and IRA Certificates - 15 month	-	3.35%	15 Months
Min Balance $1,000 Details APYs paid at maturity only; penalty applies for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30% Sep 21, 20263.35%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Share (CDs) and IRA Certificates - 18 month	-	3.35%	18 Months
Min Balance $1,000 Details APYs paid at maturity only; penalty applies for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30% Sep 21, 20263.35%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Share (CDs) and IRA Certificates - 24 month	-	3.35%	24 Months
Min Balance $1,000 Details APYs paid at maturity only; penalty applies for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Share (CDs) and IRA Certificates - 6 month	-	3.30%	6 Months
Min Balance $1,000 Details APYs paid at maturity only; penalty applies for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25% Sep 21, 20263.30%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Edwards Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Share Savings	-	1.80%
Min Balance $100,000 Details Minimum Balance: $100,000.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Money Market Share Savings	-	1.15%
Min Balance $50,000 Details Minimum Balance: $50,000.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Money Market Share Savings	-	1.00%
Min Balance $10,000 Details Minimum Balance: $10,000.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Money Market Share Savings	-	0.80%
Min Balance $2,500 Details Minimum Balance: $2,500.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Share Savings	-	0.25%
Min Balance $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Money Market Share Savings	-	0.05%
Min Balance $1,000 Details Minimum Balance: $1,000.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Edwards Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Share Savings	-	1.80%
Min Balance $100,000 Details Minimum Balance: $100,000.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Money Market Share Savings	-	1.15%
Min Balance $50,000 Details Minimum Balance: $50,000.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Money Market Share Savings	-	1.00%
Min Balance $10,000 Details Minimum Balance: $10,000.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Money Market Share Savings	-	0.80%
Min Balance $2,500 Details Minimum Balance: $2,500.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Money Market Share Savings	-	0.05%
Min Balance $1,000 Details Minimum Balance: $1,000.00; Up to 6 withdrawals per month; Minimum deposit $2,500; Fees or other conditions could reduce annual percentage yields; Dividend rates variable, subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Edwards Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5-Year Amortization	-	-	6.49%	5-Year
Details As Low As; Combined loan to value: Up to 80%; Closed-end second mortgage, combined LTV up to 90%; Rates effective 06/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Home Equity Line of Credit	-	-	7.00%
Details As Low As; Combined Loan to Value: Up to 80%; Margin: 0%; Current variable rate; 10-year draw period with interest-only payments, followed by 15-year repayment period; Rates effective 09/17/2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Home Equity Loan - 10-Year Amortization	-	-	7.24%	10-Year
Details As Low As; Combined loan to value: 80.01%-85%; Closed-end second mortgage, combined LTV up to 90%; Rates effective 06/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Home Equity Line of Credit	-	-	7.25%
Details As Low As; Combined Loan to Value: 80.01%-85%; Margin: .25%; Current variable rate; 10-year draw period with interest-only payments, followed by 15-year repayment period; Rates effective 09/17/2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Home Equity Line of Credit	-	-	7.50%
Details As Low As; Combined Loan to Value: 85.01%-90%; Margin: .50%; Current variable rate; 10-year draw period with interest-only payments, followed by 15-year repayment period; Rates effective 09/17/2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Home Equity Loan - 15-Year Amortization	-	-	7.99%	15-Year
Details As Low As; Combined loan to value: 85.01%-90%; Closed-end second mortgage, combined LTV up to 90%; Rates effective 06/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Edwards Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	3.99%	1 - 36 months
Details Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Vehicle Loan	-	-	4.24%	37 - 48 months
Details Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Vehicle Loan	-	-	4.49%	49 - 60 months
Details Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Vehicle Loan	-	-	4.99%	61 - 72 months
Details Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Vehicle Loan	-	-	5.49%	73 - 84 months
Details Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Edwards Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle, UTV & Powersports Loan - New	-	5.74%	0 - 36 months
Details Collateral: New (2025 model year or newer with less than 1,500 miles); Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - Used	-	5.99%	0 - 36 months
Details Collateral: Used; Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license or JD Power Retail, whichever is less Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - New	-	6.24%	0 - 36 months
Details Recreational financing; New collateral: 2025 model year or newer with less than 1,500 miles; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - New	-	6.74%	37 - 48 months
Details Collateral: New (2025 model year or newer with less than 1,500 miles); Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - New	-	6.99%	49 - 60 months
Details Collateral: New (2025 model year or newer with less than 1,500 miles); Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - Used	-	6.99%	37 - 48 months
Details Collateral: Used; Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license or JD Power Retail, whichever is less Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - Used	-	7.24%	49 - 60 months
Details Collateral: Used; Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license or JD Power Retail, whichever is less Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - Used	-	7.24%	0 - 36 months
Details Recreational financing; Used collateral; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - New	-	7.49%	61 - 72 months
Details Collateral: New (2025 model year or newer with less than 1,500 miles); Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - New	-	7.49%	37 - 48 months
Details Recreational financing; New collateral: 2025 model year or newer with less than 1,500 miles; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - Used	-	7.74%	61 - 72 months
Details Collateral: Used; Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license or JD Power Retail, whichever is less Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - New	-	7.99%	73 - 84 months
Details Collateral: New (2025 model year or newer with less than 1,500 miles); Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Motorcycle, UTV & Powersports Loan - Used	-	8.24%	73 - 84 months
Details Collateral: Used; Advertised APR reflects 0.50% combined discount; Max LTV 130% of purchase price, tax, license or JD Power Retail, whichever is less Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - New	-	8.24%	49 - 60 months
Details Recreational financing; New collateral: 2025 model year or newer with less than 1,500 miles; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - Used	-	8.49%	37 - 48 months
Details Recreational financing; Used collateral; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - Used	-	9.24%	49 - 60 months
Details Recreational financing; Used collateral; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - New	-	9.49%	61 - 84 months
Details Recreational financing; New collateral: 2025 model year or newer with less than 1,500 miles; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - Used	-	10.49%	61 - 84 months
Details Recreational financing; Used collateral; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - New	-	10.74%	85 - 120 months
Details Recreational financing; New collateral: 2025 model year or newer with less than 1,500 miles; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - New	-	10.74%	121 - 144 months
Details Recreational financing; New collateral: 2025 model year or newer with less than 1,500 miles; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - Used	-	11.74%	85 - 120 months
Details Recreational financing; Used collateral; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - Used	-	11.74%	121 - 144 months
Details Recreational financing; Used collateral; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - New	-	11.99%	145 - 180 months
Details Recreational financing; New collateral: 2025 model year or newer with less than 1,500 miles; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
RV, Boat & Trailer Loan - Used	-	12.99%	145 - 180 months
Details Recreational financing; Used collateral; Advertised APR reflects 0.50% combined discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 12.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Edwards Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.24%	Up to 60 months
Details As Low As; APR up to 17.99%; Minimum loan amount $500; $50 minimum payment; $30,000 maximum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Edwards Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit (LOC)	-	-	11.99%	Up to 60 months
Details As Low As; APR up to 17.99%; Minimum loan amount $500; $30,000 maximum Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Education IRA	-	-	0.20%
Min Balance $50 Details Individual Retirement Accounts (IRAs) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Holiday Account	-	-	0.05%
Min Balance $25 Details Funds dispersed Oct. 31 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Organization Account	-	-	0.05%
Min Balance $25 Details Ex. Girl Scouts, Rotary Club Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA	-	-	0.50%
Min Balance $50 Details Individual Retirement Accounts (IRAs) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA	-	-	0.50%
Min Balance $50 Details Individual Retirement Accounts (IRAs) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Youth Account	-	-	0.05%
Min Balance $25 Details Open to kids up to age 17 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Edwards Federal Credit Union’s Texas Ratio rose from 1.37% in Q3 2023 to 4.91% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$277M	4.91%	5.0	A+
March 31, 2026	$279M	5.33%	5.0	A+
December 31, 2025	$276M	4.21%	5.0	A+
September 30, 2025	$268M	4.27%	5.0	A+
June 30, 2025	$268M	3.64%	5.0	A+
March 31, 2025	$269M	2.94%	5.0	A+
December 31, 2024	$259M	3.60%	5.0	A+
September 30, 2024	$261M	3.79%	5.0	A+
June 30, 2024	$260M	2.88%	5.0	A+
March 31, 2024	$269M	2.18%	5.0	A+
December 31, 2023	$270M	2.17%	5.0	A+
September 30, 2023	$274M	1.37%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Edwards Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Edwards Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Edwards Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Edwards Federal Credit Union

Website https://edwardsfcu.org

Address 10 S Muroc Dr, Edwards, CA 93524-8002

Phone 661-952-5945

Fax 661-258-7244

President Martin O'Brien

CEO Carter Pope

Full-Time Employees 44

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.91%

Return on Assets (ROA)

-0.0876%

Return on Equity (ROE)

-1.0000%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

276,615,825

Total Amount of Shares and Deposits

253,877,106

Total Shares and Deposits < 1 Year

245,179,316

Total Shares and Deposits 1 3 Years

7,368,152

Total Shares and Deposits > 3 Years

1,329,639

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

27,800,383

Total Uninsured Shares and Deposits > $250K (F+J)

27,800,383

Total Insured Shares and Deposits > $250K (item 17 less item K)

226,076,723

Total Interest Expense (Sum of items 6 8)

1,222,951

Share Certificates

924

Number of Accounts for Share Drafts

8,343

IRA KEOGH Accounts

420

Number of Accounts for Regular Shares

14,985

Money Market Shares

218

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,357,285

Total Liabilities

261,235,375

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Edwards Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Edwards Federal Credit Union

Does Edwards Federal Credit Union offer CDs?

Yes. Edwards Federal Credit Union current CD rates include its Share (CDs) and IRA CDs - 60 month at 3.65% APY, its Share (CDs) and IRA CDs - 48 month at 3.45% APY and its Share (CDs) and IRA CDs - 36 month at 3.40% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Edwards Federal Credit Union NCUA insured?

Yes. Edwards Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Edwards Federal Credit Union?

The highest Edwards Federal Credit Union CD rate is its Share (CDs) and IRA CDs - 60 month at 3.65% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Edwards Federal Credit Union offer?

Edwards Federal Credit Union CD rates are 3.35% APY for a 12 month CD, 3.35% APY for a 15 month CD, 3.35% APY for an 18 month CD, 3.35% APY for a 2 year CD, 3.40% APY for a 3 year CD, 3.45% APY for a 4 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Edwards Federal Credit Union for its full lineup.

What is the highest savings rate at Edwards Federal Credit Union?

The highest Edwards Federal Credit Union savings rate is its Savings at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Edwards Federal Credit Union?

The highest Edwards Federal Credit Union money market rate is its Money Market Savings at 1.80% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Edwards Federal Credit Union?

The lowest Edwards Federal Credit Union auto loan rate is its New Vehicle Loan at 3.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Edwards Federal Credit Union?

The lowest Edwards Federal Credit Union personal loan rate is its Personal Loan at 9.24% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Edwards Federal Credit Union operate?

Edwards Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Edwards Federal Credit Union?

Yes, to access services at Edwards Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Edwards Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Edwards Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Edwards Federal Credit Union offer online and mobile banking?

Most modern institutions like Edwards Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://edwardsfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Edwards Federal Credit Union rates compare?

Edwards Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. Edwards Federal Credit Union's top rates are its Share (CDs) and IRA CDs - 60 month at 3.65% APY, its Money Market Savings at 1.80% APY and its Personal Loan at 9.24% APR, verified by MonitorBankRates on October 29, 2026.

Current Edwards Federal Credit Union Rates

12-Month CD3.35%
18-Month CD3.35%
24-Month CD3.35%
60-Month CD3.65%
Savings1.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Edwards Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Edwards Federal Credit Union Texas Ratio

Edwards Federal Credit Union Health Trend

Edwards Federal Credit Union CD Rates

Edwards Federal Credit Union Savings Rates

Edwards Federal Credit Union Money Market Rates

Edwards Federal Credit Union Home Equity & HELOC

Edwards Federal Credit Union Auto Loan Rates

Edwards Federal Credit Union RV, Boat and Powersport Loan Rates

Edwards Federal Credit Union Personal Loan Rates

Edwards Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Edwards Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Edwards Federal Credit Union

Does Edwards Federal Credit Union offer CDs?

Are CDs from Edwards Federal Credit Union NCUA insured?

What is the highest CD rate at Edwards Federal Credit Union?

What CD terms does Edwards Federal Credit Union offer?

What is the highest savings rate at Edwards Federal Credit Union?

What is the highest money market rate at Edwards Federal Credit Union?

What is the lowest auto loan rate at Edwards Federal Credit Union?

What is the lowest personal loan rate at Edwards Federal Credit Union?

How many branches does Edwards Federal Credit Union operate?

Is a member application needed to join Edwards Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Edwards Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Edwards Federal Credit Union rates compare?

Current Edwards Federal Credit Union Rates

Compare to Other Credit Unions