1st Ed Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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1st Ed Credit Union's Special 13-Month CD rates are at 3.65%, 5-Year CD rates are at 1.90%, 3-Year CD rates are at 1.70%, 2-Year CD rates are at 1.65%, 1-Year CD rates are at 1.55%. 1st Ed Credit Union's savings rates are at 0.45%. 1st Ed Credit Union's money market rates are at 0.25%. 1st Ed Credit Union's Personal Loan Rates are at 11.15%.
1st Ed 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 1st Ed Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . 1st Ed Credit Union Texas Ratio1st Ed Credit Union's Texas Ratio is at 0.03%, which is considered excellent. The Texas Ratio for 1st Ed Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that 1st Ed Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
1st Ed Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, 1st Ed Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
1st Ed Credit Union CD Rates
1st Ed Credit Union Savings Rates
1st Ed Credit Union Money Market Rates
1st Ed Credit Union Checking Rates
1st Ed Credit Union Home Equity & HELOC
1st Ed Credit Union Credit Card Rates
1st Ed Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for 1st Ed 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 1st Ed 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 1st Ed Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: 1st Ed Credit Union
Website: https://www.1edcu.org
Full Time Employees: 27Part Time Employees: 1 President: Roy Johnston CEO: Kelly Childress Branch Locations: 3 ATM Locations: 1 Corporate Office Address:
1156 Kennebec Dr
Chambersburg, PA 17201 Phone Number: 717-264-6506 Fax Number: 717-264-2441 FinancialsTotal Assets:
139,051,370
Total Amount of Shares and Deposits:
118,534,879
Total Shares and Deposits < 1 Year:
113,797,651
Total Shares and Deposits 1 3 Years:
4,444,262
Total Shares and Deposits > 3 Years:
292,966
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
3,017,169
Total Uninsured Shares and Deposits > $250K (F+J):
3,017,169
Total Insured Shares and Deposits > $250K (item 17 less item K):
115,517,710
Total Interest Expense (Sum of items 6 8):
1,451,100
Share Certificates:
1,515
Number of Accounts for Share Drafts:
3,094
IRA KEOGH Accounts:
299
Number of Accounts for Regular Shares:
7,949
Money Market Shares:
798
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
10,342,125
Total Liabilities:
119,494,361
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About 1st Ed Credit UnionIs a member application needed to join 1st Ed Credit Union?Yes, to access services at 1st Ed Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, 1st Ed Credit Union provides a range of mortgage and home equity products. Is 1st Ed Credit Union a safe place to deposit money?Yes, 1st Ed Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does 1st Ed Credit Union offer online and mobile banking?Most modern institutions like 1st Ed Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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