Edwards Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

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 113^th largest credit union in the state of California. It is also the 1,093^rd 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

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	14830
Year Chartered	1962
Employees	36
Primary Regulator

Profit Margin
Return on Assets - YTD	0.13%
Return on Equity - YTD	2.48%
Annual Interest Income	$2.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$268.8MM$269.2MM
Loans	Q1 2025vs Q1 2024	$132.8MM$123.4MM
Deposits	Q1 2025vs Q1 2024	$247.5MM$252MM
Equity Capital	Q1 2025vs Q1 2024	$14.1MM$10.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$541K$366K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$736K$530K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

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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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
0.25%	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
4.15%	$1k	-	24 Month Certificate
4.10%	$1k	-	18 Month Certificate
4.00%	$1k	-	36 Month Certificate
4.00%	$1k	-	48 Month Certificate
4.00%	$1k	-	60 Month Certificate
4.00%	$1k	-	15 Month Certificate
4.00%	$1k	-	12 Month Certificate Special
3.90%	$1k	-	6 Month Certificate Special

Edwards Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.15%	$1k	-	24 Month IRA Certificate
4.10%	$1k	-	18 Month IRA Certificate
4.00%	$1k	-	36 Month IRA Certificate
4.00%	$1k	-	48 Month IRA Certificate
4.00%	$1k	-	60 Month IRA Certificate
4.00%	$1k	-	15 Month IRA Certificate
4.00%	$1k	-	12 Month IRA Certificate Special
3.90%	$1k	-	6 Month IRA Certificate Special
0.50%	$50	-	Roth IRA
0.20%	$50	-	IRA Account

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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