Credit union · NCUA insured
EdiFi Credit Union Savings Rates
EdiFi Credit Union’s best savings rate is 0.65% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How EdiFi Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where EdiFi Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
EdiFi Credit Union
0.65%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $65
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
EdiFi Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.20%
- QualifiedQualified0.65%
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 EdiFi 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
0.65%APY
Minimum balance to earn dividends is $1,000.00. Dividends are compounded and credited monthly. A fee will be assessed when balance falls below the minimum requirement. Limited to six transfers/withdrawals per calendar month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.65% | $65 |
| $25,000 and up | 1.00% | — |
| $50,000 and up | 1.20% | — |
Primary Share
0.05%APY
$5.00 balance required to maintain credit union ownership/membership. Early direct deposit up to 3 days.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Special-purpose accounts
GrowWise Savings
0.05%APY
Available for ages 0-17. Guardian is required to be on the account. Account will be closed and funds transferred to Primary Share upon reaching age 18.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Earn 7.00% APY on the first $1,000. | 7.00% | — | Earn 7.00% APY on the first $1,000. |
| Over $1,000 | 0.05% | $5 |
Sources (3)
All captured Oct 4, 2026
IRA Money Fund
4.00%APY
Subject to the terms and conditions of the IRA selected.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25,000 – $49,999 | 4.00% | — |
IRA Regular Share
Up to 4.00%APY
Traditional, Roth, and Coverdell (Education) accounts available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.20% | $20 |
| $10,000 and up | 4.00% | $400 |
Holiday Club
0.05%APY
Deposits disbursed annually on October 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Summer Pay Club
0.05%APY
For teachers or employees on a 10-month pay schedule. Options include One Pay Plan (automatic transfer July 1st) or Five Pay Plan (transfers every two weeks starting July 1st for 5 payments).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Vacation Club
0.05%APY
Funds disbursed annually on June 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Who can join EdiFi Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Atlantic, Burlington, Ocean, or Mercer counties in New Jersey are eligible for membership.
Employers and groups
- Employees of approved companies are eligible for membership.
- Employees of select hospitals or health-related employers are eligible for membership.
Military, government and schools
- Public school employees in Atlantic, Burlington, Cape May, and Gloucester counties, or employees of select colleges and specialty schools, are eligible for membership.
- Members of the NJEA (New Jersey Educational Association) are eligible for membership.
- State employees or individuals working at a select county or municipality are eligible for membership.
1 more way to join
Family and household
- Immediate family members (including spouse, domestic partner, children, siblings, parents, grandparents, and grandchildren) of a current EdiFi member or employee are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required.
Membership information collected October 5, 2026.