--- title: "Edwards Credit Union Rates - California" description: "Current vehicle loan, heloc, personal loan, and savings & cd rates from Edwards Credit Union in California. Updated daily with source verification. See who can join Edwards Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/edwards" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Edwards Credit Union Rates - California ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Vehicle Loan Rates (1 – 36 months)** auto_any_36mo | — APR | 3.990% | 36 mo | Standard | | **Vehicle Loan Rates (37 – 48 months)** auto_any_48mo | — APR | 4.240% | 48 mo | Standard | | **Vehicle Loan Rates (49 – 60 months)** auto_any_60mo | — APR | 4.490% | 60 mo | Standard | | **Vehicle Loan Rates (61 – 72 months)** auto_any_72mo | — APR | 4.990% | 72 mo | Standard | | **Vehicle Loan Rates (73 – 84 months)** auto_any_84mo | — APR | 5.490% | 84 mo | Standard | | **RV, Boat & Trailer Loan Rates (0 – 36 months)** rv_any_36mo | — APR | 6.240% | 36 mo | Standard | | **RV, Boat & Trailer Loan Rates (37 – 48 months)** rv_any_48mo | — APR | 7.490% | 48 mo | Standard | | **RV, Boat & Trailer Loan Rates (49 – 60 months)** rv_any_60mo | — APR | 8.240% | 60 mo | Standard | | **RV, Boat & Trailer Loan Rates (61 – 84 months)** rv_any_84mo | — APR | 9.490% | 84 mo | Standard | | **RV, Boat & Trailer Loan Rates (121 – 144 months)** rv_any_144mo | — APR | 10.740% | 144 mo | Standard | | **RV, Boat & Trailer Loan Rates (85 – 120 months)** rv_any_120mo | — APR | 10.740% | 120 mo | Standard | | **RV, Boat & Trailer Loan Rates (145 – 180 months)** rv_any_180mo | — APR | 11.990% | 180 mo | Standard | Edwards Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Amortization** heloc | — APR | 6.490% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | | **10-Year Amortization** heloc | — APR | 7.240% | — | Standard | | **15-Year Amortization** heloc | — APR | 7.990% | — | Standard | Edwards Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loan Minimum loan amount of $500. $50 minimum payment.** personal_unsecured_60mo | — APR | 9.240% | 60 mo | Standard | | **Line of Credit (LOC) Minimum loan amount of $500.** ploc_variable | — APR | 11.990% | 60 mo | Standard | | **Personal Loan Minimum loan amount of $500. $50 minimum payment.** personal_unsecured | — APR | 17.990% | — | Standard | | **Line of Credit (LOC) Minimum loan amount of $500.** ploc_variable | — APR | 17.990% | — | Standard | Edwards Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Dividend Rates (Minimum Balance: $1,000.00)** savings | — APY | 0.05% | — | Standard | | **Organization Account (Ex. Girl Scouts, Rotary Club)** savings | — APY | 0.05% | — | Eligibility restricted | | **Education** savings | — APY | 0.20% | — | Standard | | **Savings** share_savings | — APY | 0.25% | — | Standard | | **Traditional IRA** ira | — APY | 0.50% | — | Standard | | **Dividend Rates (Minimum Balance: $2,500.00)** savings | — APY | 0.80% | — | Standard | | **Dividend Rates (Minimum Balance: $10,000.00)** savings | — APY | 1.00% | — | Standard | | **Dividend Rates (Minimum Balance: $50,000.00)** savings | — APY | 1.15% | — | Standard | | **Dividend Rates (Minimum Balance: $100,000.00)** savings | — APY | 1.80% | — | Standard | Edwards Credit Union savings & cd rates as of November 13, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Minimum Balance: $1,000.00** other | — % | 0.050% | — | Standard | | **Minimum Balance: $2,500.00** other | — % | 0.800% | — | Standard | | **Minimum Balance: $10,000.00** other | — % | 1.000% | — | Standard | | **Minimum Balance: $50,000.00** other | — % | 1.150% | — | Standard | | **Minimum Balance: $100,000.00** other | — % | 1.800% | — | Standard | Edwards Credit Union other rates as of November 13, 2026 Edwards Credit Union is a credit union in California. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/edwards) , verified from [Edwards Credit Union's official website](https://www.edwardsfcu.org/) Loading branch locator… ## About Edwards Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 16.7K Assets $278.9M Founded 1962 Locations reported 2 NCUA charter 14830 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - First-time homebuyer program - Bilingual services - Credit-builder products - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Altaone** Boron · Boron · CA · 93516-1645 About 12.0 miles away](https://rateapi.dev/credit-unions/california/altaone) [**Schoolsfirst** 36 - Lancaster · Lancaster · CA · 93534 About 24.5 miles away](https://rateapi.dev/credit-unions/california/schoolsfirst) [**Northrop Grumman** Palmdale · Palmdale · CA · 93550-7610 About 25.0 miles away](https://rateapi.dev/credit-unions/california/northrop-grumman) [**First City** Antelope Valley · Palmdale · CA · 93551-3041 About 27.3 miles away](https://rateapi.dev/credit-unions/california/first-city) [**Logix** Palmdale · Palmdale · CA · 93551 About 27.5 miles away](https://rateapi.dev/credit-unions/california/logix) [**Wescom Central** Palmdale · Palmdale · CA · 93551 About 31.6 miles away](https://rateapi.dev/credit-unions/california/wescom-central) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Edwards Credit Union Membership eligibility from Edwards Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Edwards Credit Union's website. Check the membership page below to confirm whether you qualify. - Location CA Verified from [Edwards Credit Union's membership page](https://www.edwardsfcu.org/) . Final membership determination is always made by the credit union. ## Membership rules for Edwards Credit Union Geography 2 counties 3 published paths to membership, last verified August 21, 2026, quoted from Edwards Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 21, 2026 - Antelope Valley, CA - Kern County, CA - Los Angeles County, CA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Kern County, CA; Los Angeles County, CA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Edwards Credit Union? Yes No ## Work at Edwards Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Edwards Credit Union ranks against California peers. - See which AI assistants fetched Edwards Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=edwards&state=california&code=CA&name=Edwards%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Edwards Credit Union offer? Edwards Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Edwards Credit Union rates updated? RateAPI verifies Edwards Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Edwards Credit Union's rate data? Rate data is collected directly from Edwards Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Edwards Credit Union? Edwards Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 counties for Edwards Credit Union, each quoted from Edwards Credit Union's own published membership criteria. ## Related Rate Data Compare Edwards Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.edwardsfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Edwards Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Edwards Credit Union curl "https://api.rateapi.dev/credit-unions/california /edwards " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Edwards Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/edwards Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp