Credit union · NCUA insured
Ed-Med FCU
A $34M credit union headquartered in Ogdensburg, NY, with 2,088 members and 1 branch in New York. Best rates: CDs 3.80% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs743.80%for 31–60 monthsCD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ed-Med FCU
Chartered on July 31, 1959 to serve Ogdensburg City School District employees, Ed-Med Federal Credit Union is a member-owned financial cooperative.
In January 2004, the credit union merged with A.B.H.H. Employees Federal Credit Union, increasing its membership to approximately 2,200 members.
- Headquarters
- 601 Ford St, Ogdensburg, NY 13669
- NCUA charter
- 13186
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Claxton Hepburn Medical Center, United Helpers Organization, St Joseph's Home, St Lawrence County CDP, doctors affiliated with CHMC and their employees, and employees of this credit union are eligible for membership.
Military, government and schools
- Employees of the Boards of Education of Ogdensburg, Morristown, Hammond, Lisbon, and Heuvelton are eligible for membership.
Family and household
- Members of the immediate family of qualifying persons are eligible for membership.
Other ways
- Organizations of qualifying persons are eligible for membership.
- Persons retired as pensioners or annuitants of the qualifying employments are eligible for membership.
Cost to join
- Joining requires purchasing one share equal to $5.00, which must remain in the primary share account at all times and earns dividends.
Branches
1 branch in New York
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New York
1 branch
- Main OfficeMain office601 Ford St, Ogdensburg, NY 13669Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.51% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.08% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.09% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $42 | $59 | — |
- CapitalNet worth ratio12.51%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.08%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.09%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$42Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Ed-Med FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.