Credit union · NCUA insured
1st Ed Credit Union Credit Card Rates
Top Carrot1st Ed Credit Union credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How 1st Ed Credit Union’s credit card rates compare
Compared with banks and credit unions near Chambersburg, PA, where 1st Ed Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
1st Ed Credit Union
9.50%APR
- Annual fee
- None
- Up to
- —
Visa Classic
2nd-lowest rate
M&T Bank
13.74%APR
- Annual fee
- None
- Up to
- 20.74% APR
3rd-lowest rate
Truist Bank
13.99%APR
- Annual fee
- $450
- Up to
- —
1st Ed Credit Union credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Ed Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
No annual fee, no balance transfer fee, no cash advance fee. 25-day grace period on purchases. Credit limit and rate may vary depending on credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.50% | None | As low as APR. Credit limit and rate may vary depending on credit score. |
Sources (3)
All captured Oct 7, 2026
Visa Platinum
No annual fee, no balance transfer fee, no cash advance fee. 25-day grace period on purchases. Credit limit and rate may vary depending on credit score. Earn Rewards Points with Platinum VISA.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.50% | None | As low as APR. Credit limit and rate may vary depending on credit score. |
Sources (3)
All captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.