Credit union · NCUA insured
1st Ed Credit Union Savings Rates
Top Carrot1st Ed Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How 1st Ed Credit Union’s savings 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
0.25%APY
- Minimum
- $500
- Earns on $10,000 a year
- $25
Money Market
Top rate
Community State Bank
2.32%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $232
2nd-highest rate
Patriot Federal Credit Union
1.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $120
1st Ed Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.25%APY
Must be at least 18 years old to open a money market account without a joint account holder. Minimum check amount is $500. Up to 6 transfers or withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upEarnings are compounded and credited monthly. $500 minimum balance required to earn interest on account.$500 and up | 0.25% | $25 | Earnings are compounded and credited monthly. $500 minimum balance required to earn interest on account. |
Sources (3)
All captured Sep 17, 2026
Regular Shares
0.05%APY
Primary account at 1st Ed Credit Union. $5 minimum opening balance held as membership share and cannot be withdrawn without closing membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $5 minimum opening balance held as membership share.Any balance | 0.05% | $5 | Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $5 minimum opening balance held as membership share. |
Sources (3)
All captured Sep 17, 2026
Special Shares
0.05%APY
$5 minimum opening balance held as membership share and cannot be withdrawn without closing membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $5 minimum opening balance held as membership share.Any balance | 0.05% | $5 | Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $5 minimum opening balance held as membership share. |
Sources (1)
- 1edcu.org/deposits/deposit-rates · captured Sep 17, 2026
Special-purpose accounts
Holiday/Vacation Club
0.45%APY
Maximum savings of up to $2,500 each year. Funds transferred annually to Share Savings (Holiday Club funds transfer by November 1st; Vacation Club funds transfer by May 1st).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. Max $2,500 per year.Up to $2,500 | 0.45% | — | Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. Max $2,500 per year. |
Sources (3)
All captured Sep 17, 2026
IRA Accumulation
0.25%APY
Includes Traditional, Roth, and Coverdell Education Savings Account (ESA) tax wrappers. ESA annual contribution limit is up to $2,000 per child per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.Any balance | 0.25% | $25 | Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. |
Sources (3)
All captured Sep 17, 2026
Youth Savings Account
0.05%APY
For children and teens aged 17 and under (must be at least 14 years old to open without a joint account holder). $5.00 minimum opening deposit held as membership share. No monthly fees. Youth Month promotion (April 1 to May 20, 2026) offers a $50 bonus upon reaching a balance of $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarnings are compounded and credited monthly. $5 minimum opening balance held as membership share. No monthly fees.Any balance | 0.05% | $5 | Earnings are compounded and credited monthly. $5 minimum opening balance held as membership share. No monthly fees. |
Sources (3)
All captured Sep 17, 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.