Your financial future doesn’t have to feel overwhelming or uncertain. With the right partner, achieving long-term financial security becomes not just possible, but genuinely attainable. 1st Ed Credit Union has spent decades helping Pennsylvania families build stronger financial foundations through comprehensive savings options, educational resources, and personalized guidance that puts members first.
A Partnership for Your Financial Future
1st Ed Credit Union stands out by offering more than products; we provide guidance, opportunity, and a true sense of community. Whether you are opening your very first savings account, exploring investment opportunities, or learning how to budget wisely, we are committed to helping you shape a brighter financial future.
Strong Savings and Investment Options
Building a financial foundation starts with the right savings and investment tools. All savings accounts are NCUA insured, giving you confidence as your money grows. At 1st Ed Credit Union, you can choose from:
- Regular savings accounts with competitive rates
- A 13-month Certificate of Deposit delivers robust returns for your savings
- Certificates and mortgage programs for secure, long-term growth
In addition, our Home Equity Lines of Credit at 4.25% APR* offers members an incredible opportunity to put their home’s equity to work while enjoying lower rates that can lead to significant savings. Whether you’re consolidating high-interest debt, funding a major life expense, or making home improvements, our competitive rates help you keep more money in your pocket. Beyond immediate savings, our flexible payment plans are designed to create opportunities for long-term financial growth. By reducing monthly payments, you can free up funds to invest in your future—whether that’s building your savings, contributing to retirement, or pursuing other financial goals. At 1st Ed Credit Union, we’re here to help you turn your home’s equity into a tool for financial empowerment and a brighter tomorrow.
Financial Education Every Step of the Way
A strong financial future starts with understanding your options and making informed choices. 1st Ed Credit Union is dedicated to supporting members at every stage of their financial journey by providing resources that make complex topics easy to grasp. Whether you want to budget better, grow your savings, or plan for your children’s future, 1st Ed ensures you are equipped with the knowledge to succeed. We empower members with easy-to-follow blog posts and guides on building wealth, managing debt, and teaching kids financial literacy. Plus our staff will go above and beyond to answer questions and walk you through new products.
In addition, our commitment to financial education extends beyond the walls of the credit union. Through initiatives like Financial Reality Fairs, we empower local students to make smarter financial decisions and learn essential skills like saving and budgeting. We also host seminars at local senior centers and community groups, ensuring that financial literacy is accessible to all generations. By investing in education within our community, we aim to build a stronger, more financially confident future for everyone.
Lending Solutions for Life’s Big Moments
Whether you’re buying your next car or consolidating debt to save money, 1st Ed offers lending options designed to enhance your financial future:
- Auto loans with low rates – lower than you’ll find almost anywhere else, kept low so you can enjoy the drive without hefty payments dragging you down, plus affordable GAP and Protection options.
- Personal loans up to 60 months at 11.15% APR*
- Credit Cards with no annual fee, competitively low interest rate, and no balance transfer fees, plus an exclusive rewards program.
- Student Loan options making access to higher education even more accessible
All these plus a streamlined application process for less stress.
Member Stories That Speak Volumes
The true measure of any financial institution lies in member experiences, and 1st Ed consistently delivers exceptional service that builds lasting relationships. Don’t take our word for it. See what our members have to say.
The customer service at 1st Ed Credit Union is second to none! I have been using this credit union since 2008 for personal banking as well as auto lending and HELOC. Highly professional team who truly care about the members!
— A. Lynch, Member
Another member, G. Cranston, shared:
I’ve been a member for years. I consistently receive great service from all reps (both Greencastle and Chambersburg!) Recently–I had a special request and 1st Ed went above and beyond to accommodate me. It pays to be a member!
Read more testimonials from our amazing members over on our website.
Why Credit Union Membership Creates Better Financial Futures
Credit unions operate differently than traditional banks, and these differences can significantly impact your financial future. As member-owned institutions, credit unions return profits to members through better rates, lower fees, and enhanced services.
1st Ed serves school employees, students and their families in Adams, Cumberland, Franklin, Fulton, and York counties, along with employees of partner companies throughout the region. This focused membership creates a sense of community where everyone benefits from the institution’s success. We truly mean it when we say “people helping people” encourages community spirit, goodwill, and active engagement with the values we support.
The credit union’s fee structure also protects members’ financial futures. We are proud to offer our checking accounts and credit cards with no annual fees. Plus once you open your account with an initial deposit of just $5, your active account will stay open without any annual fees. Coupled with access to over 32,000 surcharge-free ATMs through partnerships with Co-op Network and MoneyPass, and our members avoid a ton of fees that can slowly erode savings over time.
These seemingly small advantages compound over years and decades. Lower fees, better rates, and superior service create measurable differences in long-term wealth accumulation.
Technology That Fits Your Life
Modern banking requires modern solutions, and 1st Ed continues investing in technology that makes financial management more convenient and secure. Access your accounts anytime with 24/7 online and mobile banking, enjoy secure digital payments, and enjoy fast money transfers with Zelle®. Always know what’s going on with your money no matter the hour.
Ready to Start Building Your Financial Future?
Your financial future is one decision away. Whether you’re saving for a big goal, starting to invest, or simply want to enjoy friendlier service and better rates, 1st Ed Credit Union is ready to help you take the next step.
Ready to see how 1st Ed can shape your financial future?
Join 1st Ed Credit Union today and experience true financial partnership.