1st Ed Credit Union

Overview / Commentary
1156 Kennebec Dr
Chambersburg, PA 17201

1st Ed Credit Union is headquartered in Chambersburg and is the 59th largest credit union in the state of Pennsylvania. It is also the 1,512th largest credit union in the nation. It was established in 1938 and as of December of 2019, it had grown to 28 employees and 7,154 members at 3 locations. 1st Ed Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to employees and students of Shalom Christian Academy, Wilson College, the Pennsylvania School Districts in Adams, Cumberland, Franklin, Fulton, and York Counties; employees of Adams County Head Start School, Corpus Christi School, Cumberland Valley Christian School, Franklin County Head Start, Fulton County Community Christian School, Growing Tree Day Care, Lincoln Intermediate Unit #12, Mercersburg Academy, St. Andrew Catholic School, Boyer & Ritter, Central Baptist Chapel, Fitzgerald Motors, Chambersburg Area Council for the Arts, Global Data Consultants, Greater Chambersburg Chamber of Commerce, Kmart Chambersburg RSC #8781, Leadership Franklin County, Manito, Rotz & Stonesifer, The Butcher Shoppe, The Shook Home
See current membership details


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Health Grade Components

NCUA #65412
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD3.06%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$116.9MM$115.9MM
LoansQ4 2019vs Q4 2018$59.7MM$52.0MM
DepositsQ4 2019vs Q4 2018$97.2MM$98.0MM
Equity CapitalQ4 2019vs Q4 2018$19.4MM$17.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$546.00K$500.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$215.00K$273.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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1st Ed Credit Union Savings Account Rates

0.45%--Holiday Club
0.45%--Vacation Club
0.25%--IRA Accumulation Account
0.15%$5-Regular Share
0.15%$5-Special Share

1st Ed Credit Union Money Market Rates

0.20%$500-Money Market Account

1st Ed Credit Union Checking Account Rates


1st Ed Credit Union CD Rates

1.11%$500-5 Year Share Certificate
0.90%$500-3 Year Share Certificate
0.80%$500-2 Year Share Certificate
0.55%$500-1 Year Share Certificate

1st Ed Credit Union IRA Rates

1.11%$500-5 Year IRA Certificate
0.90%$500-3 Year IRA Certificate
0.80%$500-2 Year IRA Certificate
0.55%$500-1 Year IRA Certificate

1st Ed Credit Union Locations
Branch Office1156 Kennebec DrChambersburg, PA 17201
Branch Office526 N Antrim WayGreencastle, PA 17225
Branch Office475 Eisenhower DrHanover, PA 17331-5214

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