Credit union · NCUA insured
1st Ed Credit Union CD Rates
Top Carrot1st Ed Credit Union’s best CD rate is 4.20% APY on a 20-month share certificate (CD). Terms run from 8 months to 5 years. Rates checked October 16, 2026.
How 1st Ed Credit Union’s CD rates compare
Compared with banks and credit unions near Chambersburg, PA, where 1st Ed Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Ed Credit Union
4.20%APY
- Term
- 20 months
- Minimum
- $5,000
- Earns on $10,000
- $710
Special Certificates
Top rate
Patriot Federal Credit Union
4.50%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,925
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
1st Ed Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo2.90%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Ed Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Certificates
Up to 4.20%APY · 2 terms
Must be a member. $5,000 minimum balance required to open account; 8-Month CD opening balance not to exceed $500,000; 20-Month CD opening balance not to exceed $250,000. APY is based on the opening balance of the CD. Dividends paid monthly and applied to the balance of the certificate. The APY assumes that all dividends remain on deposit until maturity. Rate is fixed for initial term of certificate. At time of maturity certificate will automatically renew for a term of 12 months at the prevailing rate. Early withdrawal penalties apply. Not valid with any other offer.
| Term | APY · $5,000 – $500,000 | APY · $5,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 8 months8-Month CD opening balance not to exceed $500,000. IRA CDs are not eligible for the 8-month CD | 3.90% | — | 3.90% | $258 |
| 20 months20-Month CD opening balance not to exceed $250,000 | — | 4.20% | 4.20% | $710 |
Sources (1)
- 1edcu.org/certificate-rates · captured Oct 6, 2026
Share Certificates
Up to 2.90%APY · 4 terms
Must be a member. Minimum opening deposit of $500. Dividends compounded and credited monthly. APY assumes dividends remain on deposit until maturity. Rate is fixed for initial term of certificate. At time of maturity certificate will automatically renew for a term of 12 months at the prevailing rate. Early withdrawal penalties apply. Not valid with any other offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.00% | $200 |
| 24 months | 2.50% | $506 |
| 36 months | 2.70% | $832 |
| 60 months | 2.90% | $1,537 |
Sources (1)
- 1edcu.org/certificate-rates · captured Oct 6, 2026
Who can join 1st Ed Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of partner companies served by the credit union within the service area are eligible for membership.
Military, government and schools
- School employees and students in Adams, Cumberland (excluding West Shore, Camp Hill, East Pennsboro, Mechanicsburg, and Cumberland Valley), Franklin, Fulton, and York counties are eligible for membership.
Family and household
- Families of eligible school employees and students in Adams, Cumberland (except West Shore, Camp Hill, East Pennsboro, Mechanicsburg, and Cumberland Valley), Franklin, Fulton, and York counties are eligible for membership.
Membership information collected October 5, 2026.