--- title: "Edifi Credit Union Rates (Nov 2026): HELOC 6.49%" description: "Edifi Credit Union rates today: HELOC from 6.49% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Edifi Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/edifi" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Edifi Credit Union Rates (Nov 2026): HELOC 6.49% ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.990% | — | Standard | | **Pre-owned (2023-2026)** auto_used | — APR | 4.990% | used | Standard | | **New/Untitled (2026-2027)** auto_new | — APR | 4.990% | new | Standard | | **Boat & RV** boat | — APR | 5.490% | — | Standard | | **Used Auto Loan (2018–2022)** auto_used | — APR | 7.250% | used | Standard | Edifi Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | 6.490% APR | 6.490% | — | Standard | | **Home Equity Loan** heloc | — APR | 6.490% | — | Standard | Edifi Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.990% | — | Standard | | **Vacation Loan Min/Max Borrowed Up to $3,500 Max Repayment Term Up to 24 months APR* as low as 10.99%** personal_unsecured_24mo | — APR | 10.990% | 24 mo | Standard | | **Personal Min/Max Borrowed $500 - $25,000 Max Repayment Term Up to 60 months APR* as low as 10.99%** other | — APR | 10.990% | — | Standard | Edifi Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 7.990% | — | Standard | Edifi Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 42 offers | Product | Published | Rate | Term / condition | Status | | **Club Account** savings | — APY | 0.05% | — | Specialty offer | | **Checking** checking | — APY | 0.10% | — | Standard | | **IRAs** ira | — APY | 0.20% | — | Standard | | **Money Market** money_market | — APY | 0.65% | — | Standard | | **30-Month IRA Certificate** ira_cd_30mo | — APY | 3.04% | 30 mo | Standard | | **Certificate** cd | — APY | 3.04% | — | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 3.04% | 60 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 3.04% | 48 mo | Standard | | **30-Month Certificate** cd_30mo | — APY | 3.04% | 30 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.04% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.04% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.04% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.04% | 48 mo | Standard | | **IRA Jumbo 30 Month Certificate** ira_cd_30mo | — APY | 3.14% | 30 mo | Standard | | **IRA Jumbo 60 Month Certificate** ira_cd_60mo | — APY | 3.14% | 60 mo | Standard | | **IRA Jumbo 48 Month Certificate** ira_cd_48mo | — APY | 3.14% | 48 mo | Standard | | **Jumbo 30 Month Certificate** cd_30mo | — APY | 3.14% | 30 mo | Standard | | **Jumbo 36 Month Certificate** cd_36mo | — APY | 3.14% | 36 mo | Standard | | **Jumbo 48 Month Certificate** cd_48mo | — APY | 3.14% | 48 mo | Standard | | **Jumbo 60 Month Certificate** cd_60mo | — APY | 3.14% | 60 mo | Standard | | **IRA Jumbo 36 Month Certificate** ira_cd_36mo | — APY | 3.14% | 36 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 3.30% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.30% | 6 mo | Standard | | **3-Month IRA Certificate** ira_cd_3mo | — APY | 3.30% | 3 mo | Standard | | **3-Month Certificate** cd_3mo | — APY | 3.30% | 3 mo | Standard | | **IRA Jumbo 3 Month Certificate** ira_cd_3mo | — APY | 3.40% | 3 mo | Standard | | **IRA Jumbo 6 Month Certificate** ira_cd_6mo | — APY | 3.40% | 6 mo | Standard | | **Jumbo 3 Month Certificate** cd_3mo | — APY | 3.40% | 3 mo | Standard | | **Jumbo 6 Month Certificate** cd_6mo | — APY | 3.40% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.56% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 3.56% | 12 mo | Standard | | **IRA Jumbo 12 Month Certificate** ira_cd_12mo | — APY | 3.66% | 12 mo | Standard | | **Jumbo 12 Month Certificate** cd_12mo | — APY | 3.66% | 12 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 3.82% | 18 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 3.82% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.82% | 24 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.82% | 18 mo | Standard | | **Jumbo 24 Month Certificate** cd_24mo | — APY | 3.92% | 24 mo | Standard | | **IRA Jumbo 24 Month Certificate** ira_cd_24mo | — APY | 3.92% | 24 mo | Standard | | **IRA Jumbo 18 Month Certificate** ira_cd_18mo | — APY | 3.92% | 18 mo | Standard | | **Jumbo 18 Month Certificate** cd_18mo | — APY | 3.92% | 18 mo | Standard | | **IRA Money Fund**** ira | — APY | 4.00% | — | Standard | Edifi Credit Union savings & cd rates as of November 12, 2026 HELOC rates from 6.49% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/edifi) , verified from [Edifi Credit Union's official website](https://www.edificu.com/) Best product position **Around the New Jersey median** HELOC Gap to state best **49 bp** 49 bp from state best Vs. state median **Matches state median** HELOC Products ranked **1** across tracked New Jersey markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.49% | Around the New Jersey median | 49 bp from state best | Matches state median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Edifi Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=edifi&state=new-jersey&code=NJ&name=Edifi%20Credit%20Union) Loading branch locator… ## About Edifi Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 25.4K Assets $258.7M Founded 1958 Locations reported 8 NCUA charter 12679 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services - Student scholarships 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. [**Andrews Federal Credit Union** Burlington · Burlington · NJ · 08016 About 4.0 miles away](https://rateapi.dev/credit-unions/maryland/andrews-federal-credit-union) [**Inspire** Bristol Branch · Bristol · PA · 19007 About 5.1 miles away](https://rateapi.dev/credit-unions/pennsylvania/inspire) [**American Heritage** Bristol Office · Bristol · PA · 19007-3101 About 5.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/american-heritage) [**Garden State** MAIN OFFICE · MOORESTOWN · NJ · 08057-3223 About 5.5 miles away](https://rateapi.dev/credit-unions/new-jersey/garden-state) [**New Jersey Community** Main Office · Moorestown · NJ · 08057 About 5.5 miles away](https://rateapi.dev/credit-unions/new-jersey/new-jersey-community) [**Healthcare Employees** Mount Holly · Mount Holly · NJ · 08060 About 5.6 miles away](https://rateapi.dev/credit-unions/new-jersey/healthcare-employees) 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 Edifi Credit Union Membership eligibility from Edifi Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Edifi Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer public school, select colleges and specialty schools, state, select county or municipality, select hospital or a health-related employer, approved company - Association NJEA (New Jersey Educational Association) Verified from [Edifi Credit Union's membership page](https://www.edificu.com/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Edifi Credit Union Employers 6 · Associations · Family 8 published paths to membership, last verified August 21, 2026, quoted from Edifi Credit Union’s own published criteria. ### Employers 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of public school “Are a public school employee in the counties of Atlantic, Burlington, Cape May, and Gloucester” > [source ↗](https://www.edificu.com/become-a-member) - Employee of public school - Employee of select colleges and specialty schools “an employee of select colleges and specialty schools” > [source ↗](https://www.edificu.com/become-a-member) - Employee of select colleges and specialty schools - Employee of state “Are a state employee” > [source ↗](https://www.edificu.com/become-a-member) - Employee of state - Employee of select county or municipality “work at a select county or municipality” > [source ↗](https://www.edificu.com/become-a-member) - Employee of select county or municipality - Employee of select hospital or a health-related employer “Work at a select hospital or a health-related employer” > [source ↗](https://www.edificu.com/become-a-member) - Employee of select hospital or a health-related employer - Employee of approved company “Work at an approved company” > [source ↗](https://www.edificu.com/become-a-member) - Employee of approved company ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of NJEA (New Jersey Educational Association) “Are a member of the NJEA (New Jersey Educational Association)” > [source ↗](https://www.edificu.com/become-a-member) - Member of NJEA (New Jersey Educational Association) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, domestic partner, children, siblings, parents, grandparents, grandchildren “Are an immediate family member of a current EdiFi member or employee; immediate family members include spouse, domestic partner, children, siblings, parents, grandparents, and grandchildren.” > [source ↗](https://www.edificu.com/become-a-member) - Family member (spouse, domestic partner, children, siblings, parents, grandparents, grandchildren) of a member 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 Edifi Credit Union? Yes No ## Work at Edifi 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 Edifi Credit Union ranks against New Jersey peers. - See which AI assistants fetched Edifi Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New Jersey - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=edifi&state=new-jersey&code=NJ&name=Edifi%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Edifi Credit Union offer? Edifi Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Edifi Credit Union rates updated? RateAPI verifies Edifi Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Edifi Credit Union's rate data? Rate data is collected directly from Edifi Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Edifi Credit Union's HELOC rate? As of November 12, 2026, Edifi Credit Union offers home equity lines of credit from 6.49% APR. ### Who can join Edifi Credit Union? Edifi Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 6 employers and 1 association for Edifi Credit Union, each quoted from Edifi Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Edifi Credit Union's rates against national credit-union benchmarks. [More New Jersey credit unions](https://rateapi.dev/credit-unions/new-jersey) [New Jersey auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-jersey) [New Jersey HELOC rate leaders](https://rateapi.dev/heloc-rates/new-jersey) [New Jersey personal loan leaders](https://rateapi.dev/personal-loan-rates/new-jersey) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.edificu.com/) ### 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 Edifi Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New Jersey 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 Edifi Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /edifi " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Edifi Credit Union locations Search, filter, and browse all 8 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/new-jersey/edifi Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp