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Edwards Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.edwardsfcu.org
661-952-5945
10 S Muroc Dr
Edwards, CA 93524

Edwards Federal Credit Union is headquartered in Edwards and is the 113th largest credit union in the state of California. It is also the 1,093rd largest credit union in the nation. It was established in 1962 and as of March of 2025, it had grown to 36 employees and 12,661 members at 2 locations. Edwards Federal Credit Union's money market rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Edwards Federal Credit Union is open to those who live, work, worship, or attend school in California's Antelope Valley. Family members of any membership-eligible Edwards FCU member are also eligible to join, regardless of where they live.
See current membership details

Reviews

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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #14830
Year Chartered1962
Employees36
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD2.48%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$268.8MM$269.2MM
LoansQ1 2025vs Q1 2024$132.8MM$123.4MM
DepositsQ1 2025vs Q1 2024$247.5MM$252MM
Equity CapitalQ1 2025vs Q1 2024$14.1MM$10.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$541K$366K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$736K$530K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Edwards Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25-Share Savings Account
0.20%$50-Education IRA
0.05%$25-Organization Account
0.05%$25-Holiday Account
0.05%$25-Youth Account

Edwards Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-Money Market Share Savings Account
OTHER TIERS: 0.05% → $2.5k - $10k | 0.80% → $10k+ | 0.90% → $10k - $50k | 1.15% → $50k - $100k

Edwards Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$1k-6 Month Certificate Special
4.00%$1k-48 Month Certificate
4.00%$1k-60 Month Certificate
4.00%$1k-12 Month Certificate Special
3.95%$1k-24 Month Certificate
3.95%$1k-36 Month Certificate
3.85%$1k-15 Month Certificate
3.85%$1k-18 Month Certificate

Edwards Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$1k-6 Month IRA Certificate Special
4.00%$1k-48 Month IRA Certificate
4.00%$1k-60 Month IRA Certificate
4.00%$1k-12 Month IRA Certificate Special
3.95%$1k-24 Month IRA Certificate
3.95%$1k-36 Month IRA Certificate
3.85%$1k-15 Month IRA Certificate
3.85%$1k-18 Month IRA Certificate
0.50%$50-Roth IRA
0.20%$50-IRA Account
Locations


Edwards Federal Credit Union Locations
Branch Office10 S Muroc DrEdwards, CA 93524-8002
Branch Office39963 10th St WPalmdale, CA 93551

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