Edwards Federal Credit Union

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 115^th largest credit union in the state of California. It is also the 1,088^th largest credit union in the nation. It was established in 1962 and as of December of 2021, it had grown to 39 employees and 12,177 members at 2 locations. Edwards Federal Credit Union has an A health rating.

Field of Membership Restrictions

Must live, work or attend school in the Antelope Valley.
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Health

Data as of Q4 2021

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Health Grade Components

Overall
NCUA #	14830
Year Chartered	1962
Employees	39
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.09%
Return on Equity - YTD	-1.51%
Annual Interest Income	$5.3MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$253.9MM$231.3MM
Loans	Q4 2021vs Q4 2020	$103.2MM$97.9MM
Deposits	Q4 2021vs Q4 2020	$237.6MM$213.7MM
Equity Capital	Q4 2021vs Q4 2020	$14.7MM$16.1MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$235.00K$378.00K
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$339.00K$148.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.10%	$50	-	IRA Account
0.10%	$50	-	Education IRA
0.10%	$50	-	Roth IRA
0.05%	$25	-	Share Savings Account
0.05%	$25	-	Organization Account
0.05%	$25	-	Holiday Account
0.05%	$25	-	Youth Account

Edwards Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$2.5k	-	Money Market Share Savings Account

Edwards Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.06%	$1k	-	60 Month Certificate
0.92%	$1k	-	48 Month Certificate
0.82%	$1k	-	36 Month Certificate
0.67%	$1k	-	24 Month Certificate
0.42%	$1k	-	12 Month Certificate
0.10%	$1k	-	6 Month Certificate

Edwards Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.06%	$1k	-	60 Month IRA Certificate
0.92%	$1k	-	48 Month IRA Certificate
0.82%	$1k	-	36 Month IRA Certificate
0.67%	$1k	-	24 Month IRA Certificate
0.42%	$1k	-	12 Month IRA Certificate
0.10%	$1k	-	6 Month IRA Certificate

Locations

Edwards Federal Credit Union Locations
Branch Office	10 S Muroc Dr	Edwards, CA 93524-8002
Branch Office	39963 10th St W	Palmdale, CA 93551

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