1st Ed Credit Union offers competitive loan rates for members across Pennsylvania. Whether you’re financing a new car, a home improvement project, or your next big move, we keep loan rates low and fees minimal.
We proudly serve South Central Pennsylvania with auto loans, personal loans, home equity, and mortgages. Browse our current rates below, then apply online at your convenience.
| Info and/or Terms | APR |
|---|---|
| Up to 36 months (as low as) | 4.25%* |
| 37 - 60 months (as low as) | 5.00%* |
*APR = Annual Percentage Rate. Max: Certificate Balance. Term of loan shall not exceed term of certificate. Rates subject to change at any time without prior notice.
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| 8-Month Share Certificate | 3.832% | 3.90% |
| 13-Month Share Certificate | 3.542% | 3.60% |
*APY=Annual Percentage Yield. APY is based on the opening balance of the CD. $5,000 minimum balance required to open account; CD opening balance not to exceed $500,000. IRA CDs are not eligible for the 8-month CD.
Dividends paid monthly and applied to the balance of the certificate. The APY assumes that all dividends remain on deposit until maturity. Early withdrawal penalties apply. Rate is fixed for initial term of certificate. At time of maturity certificate will automatically renew for a term of 12 months at the prevailing rate.
Not valid with any other offer. Must be a member. Other restrictions apply. Rates and terms subject to change at any time without prior notice. Offer may terminate at any time without prior notice. Deposits are insured by NCUA up to $250,000.
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| Money Market ($500 Min.) | 0.250% | 0.250% |
*APY=Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $500 minimum balance required to earn interest on account.
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| Checking ($100 Min.) | 0.05% | 0.050% |
*APY= Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice. $100 minimum balance required to earn interest on account.
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| IRA Accumulation | 0.25% | 0.250% |
*APY=Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.
| Info and/or Terms | Interest Rate | APY |
|---|---|---|
| Holiday/Vacation Club | 0.45% | 0.451% |
*APY=Annual Percentage Yield. Earnings are compounded and credited monthly. Rates are subject to change at any time without prior notice.
| Info and/or Terms | APR |
|---|---|
| Up to 36 months (as low as) | 4.79%* |
| 37 - 60 months (as low as) | 4.95%* |
| 61 - 72 months (as low as) | 5.25%* |
*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice. Restrictions apply. Equal Opportunity Lender.
First payment for new/used auto/motorcycle loans and external refinances of the same nature may be deferred up to 90 days. Excludes 1st Ed refinances. Interest will continue to accrue from the date of loan funding. Ninety-day payment deferment based on creditworthiness, loan amount, and age of collateral. To qualify for the 90-day no payment promotion, applications must be funded during the promotional period of 08/01/26-09/08/26.
Not a member? Visit https://www.1edcu.org/about-us/membership/ to see if you qualify.
| Info and/or Terms | APR |
|---|---|
| Up to 36 months (as low as) | 8.60%* |
| 37 - 60 months (as low as) | 9.45%* |
| 61 - 72 months (as low as) | 9.85%* |
*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice.
| Info and/or Terms | APR |
|---|---|
| Up to 60 months (as low as) | 11.15%* |
*APR = Annual Percentage Rate. APR and loan approval based on creditworthiness. Rates subject to change at any time without prior notice.
| Info and/or Terms | APR |
|---|---|
| VISA Classic (as low as) | 9.50% |
| VISA Platinum (as low as) | 9.50% |
*APR = Annual Percentage Rate. Credit limit and rate may vary depending on credit score. Rates are subject to change without prior notice. Equal Opportunity Lender. Not a member? Visit https://www.1edcu.org/about-us/membership/ to see if you qualify.
| Info and/or Terms | APR |
|---|---|
| 5 years - Min: $15,000; Max: $50,000 (as low as) | 5.867%* |
| 10 years - Min: $25,000; Max: $250,000 (as low as) | 6.034%* |
| 15 years - Min: $50,000; Max: $250,000 (as low as) | 6.382%* |
*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value ratio and lien position. Rates are subject to change without prior notice.
| Info and/or Terms | APR |
|---|---|
| Home Equity Lines of Credit (as low as) | 4.25%* |
Min: $5,000
Max: No Maximum Loan Amount
Your rate may vary from what is listed. Your interest rate will be based on your credit score. In addition, the Loan to Value Ratio and Lien Position are factors in determining rate. Lines of $100,000 or greater must be first lien.
* Promotional offer effective 04/08/2024. $10,000 new money required. After 12 months at 4.25% introductory rate, the interest rate will adjust to as low as Prime Rate minus .50%. Post-introductory rate may vary based on credit score. Prime Rate Effective 12/11/2025 =6.75%. Contact the credit union for complete qualification details. Maximum loan-to-value dependent on credit score. If you close your home equity line of credit within 36 months from the opening date you agree to reimburse the lender for any third party fees the lender paid on your behalf.
When you borrow from 1st Ed, you become an owner, not just a customer. As a not-for-profit, member-owned credit union, we return earnings to our members instead of paying out shareholders, which means lower loan rates, higher deposit rates, and fewer fees than you’ll typically find at a national bank.
Our loan decisions are also made locally, by people who understand South Central Pennsylvania, not by an algorithm or a call center in another state.
Loan rates can change with market conditions and Federal Reserve decisions, so check this page before you apply.
Your rate depends mainly on your credit history, plus the loan type, amount, and term. For auto and home loans, the value of your collateral matters too. The stronger your credit profile, the better rate you’re likely to qualify for.
1st Ed Credit Union serves members across South Central Pennsylvania, with branches in Hanover, Chambersburg, and Greencastle. Not a member yet? Check your eligibility on our membership page, then apply for a loan online or in person at any branch.
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