--- title: "1st Ed Credit Union Rates (Nov 2026): CDs to 0.25%" description: "1st Ed Credit Union rates today: savings & CDs up to 0.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join 1st Ed Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/1st-ed-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # 1st Ed Credit Union Rates (Nov 2026): CDs to 0.25% ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.990% | — | Standard | | **New or Used Autos / Cars / Trucks / Motorcycles (Up to 36 months (as low as))** motorcycle_any_36mo | — APR | 4.990% | 36 mo · any | Standard | | **New or Used Autos / Cars / Trucks / Motorcycles (37 - 60 months (as low as))** motorcycle_any_60mo | — APR | 5.150% | 60 mo · any | Standard | | **New or Used Autos / Cars / Trucks / Motorcycles (61 - 72 months (as low as))** motorcycle_any_72mo | — APR | 5.450% | 72 mo · any | Standard | | **New or Used Recreational Vehicles/ATVs/Snowmobiles/Trailers (Up to 36 months (as low as))** rv_any_36mo | — APR | 8.600% | 36 mo · any | Standard | | **New or Used Recreational Vehicles/ATVs/Snowmobiles/Trailers (37 - 60 months (as low as))** rv_any_60mo | — APR | 9.450% | 60 mo · any | Standard | | **New or Used Recreational Vehicles/ATVs/Snowmobiles/Trailers (61 - 72 months (as low as))** rv_any_72mo | — APR | 9.850% | 72 mo · any | Standard | 1st Ed Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Lines of Credit Up to 85% LTV (Home Equity Lines of Credit (as low as))** heloc | — APR | 4.250% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 4.250% | — | Standard | | **Home Equity Lines of Credit (as low as)** heloc | — APR | 4.250% | — | Standard | | **Home Equity Loans Fixed Rate Up to 85% LTV (5 years - Min: $15,000; Max: $50,000 (as low as))** heloc_fixed | — APR | 5.867% | — | Standard | | **Home Equity Loans Fixed Rate Up to 85% LTV (10 years - Min: $25,000; Max: $250,000 (as low as))** heloc_fixed | — APR | 6.034% | — | Standard | | **Home Equity Loans Fixed Rate Up to 85% LTV (15 years - Min: $50,000; Max: $250,000 (as low as))** heloc_fixed | — APR | 6.382% | — | Standard | 1st Ed Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **PERSONAL LOANS- ALL TREATS, NO TRICKS!** personal_unsecured | — APR | 10.310% | — | Standard | | **Personal/Signature (Up to 60 months (as low as))** personal_unsecured_60mo | — APR | 11.150% | 60 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 11.150% | — | Standard | 1st Ed Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **VISA Classic (as low as)** credit_card | — APR | 9.500% | — | Standard | | **VISA Platinum (as low as)** credit_card_platinum | — APR | 9.500% | — | Standard | 1st Ed Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 19 offers | Product | Published | Rate | Term / condition | Status | | **Special Shares** savings | 0.05% APY | 0.05% | — | Standard | | **Checking ($100 Min.)** checking | 0.05% APY | 0.05% | — | Standard | | **Checking** checking | 0.05% APY | 0.05% | — | Standard | | **IRA Accumulation (Traditional,Roth,Education) (IRA Accumulation)** ira | — APY | 0.25% | — | Standard | | **Money Markets (Money Market ($500 Min.))** money_market | — APY | 0.25% | — | Standard | | **Money Market** money_market | 0.25% APY | 0.25% | — | Standard | | **IRA Accumulation** ira | — APY | 0.25% | — | Standard | | **Holiday/Vacation Club** savings | 0.45% APY | 0.45% | — | Specialty offer | | **12-Month Certificate** share_certificate_12mo | — APY | 1.98% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 1.98% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.47% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.47% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 2.67% | 36 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 2.67% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 2.86% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 2.86% | 60 mo | Standard | | **8-Month Certificate** share_certificate_8mo | — APY | 3.83% | 8 mo | Standard | | **20-Month Certificate** share_certificate_20mo | — APY | 4.12% | 20 mo | Standard | | **20-Month Certificate** cd_20mo | — APY | 4.20% | 20 mo | Standard | 1st Ed Credit Union savings & cd rates as of November 13, 2026 ### Other rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36 months (as low as)** other | — % | 3.250% | — | Standard | | **37 - 60 Months (As Low As)** other | — % | 3.750% | — | Standard | | **61-120 Months (As Low As)** other | — % | 4.750% | — | Standard | | **61 - 72 Months (As Low As)** other | — % | 5.450% | — | Standard | | **5 years - Min: $15,000; Max: $50,000 (as low as)** other | — % | 5.867% | — | Standard | | **10 years - Min: $25,000; Max: $250,000 (as low as)** other | — % | 6.034% | — | Standard | | **15 years - Min: $50,000; Max: $250,000 (as low as)** other | — % | 6.382% | — | Standard | | **Up to 60 months (as low as)** other | — % | 11.150% | — | Standard | 1st Ed Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 0.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/1st-ed-credit-union) , verified from [1st Ed Credit Union's official website](https://www.1edcu.org/) Loading branch locator… ## About 1st Ed Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.1K Assets $139.8M Founded 1938 Locations reported 3 NCUA charter 65412 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Electronic statements - Mobile check deposit - Financial education - 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. [**Corning** Chambersburg Branch · Chambersburg · PA · 17201-4217 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-york/corning) [**Patriot** Federal Street · Chambersburg · PA · 17201 About 1.7 miles away](https://rateapi.dev/credit-unions/pennsylvania/patriot) [**Pennsylvania State Employees** PSECU eCenter at Shippensburg University · Shippensburg · PA · 17257 About 9.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/pennsylvania-state-employees) [**Members 1st** Shippensburg Branch · Shippensburg · PA · 17257 About 10.1 miles away](https://rateapi.dev/credit-unions/pennsylvania/members-1st) [**Ardent** On-Goings Ops · Hagerstown · MD · 21742-1383 About 19.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/ardent) [**Government Printing Office** Ongoing Operations · Hagerstown · MD · 21742-1383 About 19.5 miles away](https://rateapi.dev/credit-unions/district-of-columbia/government-printing-office) 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 1st Ed Credit Union Membership eligibility from 1st Ed Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Select Employee Group) - Employer Select Employee Group **Cost to join:** About $5. Verified from [1st Ed Credit Union's membership page](https://www.1edcu.org/news-resources/forms-applications/membership-application/) . Final membership determination is always made by the credit union. ## Work at 1st Ed 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 1st Ed Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched 1st Ed Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=1st-ed-credit-union&state=pennsylvania&code=PA&name=1st%20Ed%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does 1st Ed Credit Union offer? 1st Ed Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are 1st Ed Credit Union rates updated? RateAPI verifies 1st Ed 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 1st Ed Credit Union's rate data? Rate data is collected directly from 1st Ed 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 1st Ed Credit Union's best CD rate? As of November 13, 2026, 1st Ed Credit Union offers savings and certificate (CD) yields up to 0.25% APY. ### Who can join 1st Ed Credit Union? Membership via employers (Select Employee Group) ## Related Rate Data Compare 1st Ed Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [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.1edcu.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 1st Ed Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania 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 1st Ed Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /1st-ed-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## 1st Ed Credit Union locations Search, filter, and browse all 3 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/pennsylvania/1st-ed-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp