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Edwards Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 3/23/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 3/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 115th largest credit union in the state of California. It is also the 1,098th largest credit union in the nation. It was established in 1962 and as of December of 2024, it had grown to 33 employees and 12,520 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
B

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #14830
Year Chartered1962
Employees33
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD6.6%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$259.2MM$270.1MM
LoansQ4 2024vs Q4 2023$124.9MM$125MM
DepositsQ4 2024vs Q4 2023$239.8MM$252.9MM
Equity CapitalQ4 2024vs Q4 2023$12.6MM$10.6MM
Loan Loss AllowanceQ4 2024vs Q4 2023$612K$419K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$899K$521K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 3/23/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 3/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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