What are the current interest rates at edU Federal Credit Union?

Current rates for edU Federal Credit Union include: 12-Month CD: 0.05%, 60-Month CD: 0.15%

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edU Federal Credit Union

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edU Federal Credit Union Rates & Review September 2026

Q: How many branches does edU Federal Credit Union operate?

edU Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join edU Federal Credit Union?

Yes, to access services at edU Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, edU Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 5, 2026

edU Federal Credit Union's 5 Year CDs rates are at 0.15%, 3 Year CDs rates are at 0.10%, 12 Month CDs rates are at 0.05%, 15 Month CDs rates are at 0.05%, 6 Month CDs rates are at 0.01%. edU Federal Credit Union's Personal Loan Rates are at 7.90%. MonitorBankRates evaluates the financial stability of edU Federal Credit Union with a 4.8 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.61%. Rates last updated and verified on 09/05/2026.

edU Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at edU Federal Credit Union? Share your experience about edU Federal Credit Union by leaving a review below, or read customer reviews before you decide to use edU Federal Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 90/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

15.61%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

edU Federal Credit Union
Main

113 W 6th St
Historic New Castle, DE 19720-5070

https://www.edufcu.org

edU Federal Credit Union CD Rates

Product	Rate	APY	Term
5 Year Share Certificates	0.15%	0.15%	5 years
No additional details. Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
3 Year Share Certificates	0.10%	0.10%	3 years
No additional details. Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
12 Month Share Certificates	0.05%	0.05%	12 months
No additional details. Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
15 Month Share Certificates	0.05%	0.05%	15 months
No additional details. Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
6 Month Share Certificates	0.01%	0.01%	6 months
No additional details. Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
9 Month Share Certificates	0.01%	0.01%	9 months
No additional details. Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%

edU Federal Credit Union Savings Rates

Product	Rate	APY	View More
Club Accounts	0.01%	0.01%
No additional details. Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%

edU Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.85%	5
Details Term: 5, 7 or 10 year terms; 5.50% to 7.25% with share draft deduction; $75,000 (MAX); cannot exceed 80% loan to value; APR range: 5.85% to 7.60% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%

edU Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	2.75%	Varies
Details Amount Financed: 80% Retail Value; APR range: 2.75% to 14.25% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
New Vehicle Loan	-	-	3.00%	Varies
Details Amount Financed: 100% Retail Value; APR range: 3.00% to 14.75% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
Used Vehicle Loan	-	-	3.50%	12 Months
Details Amount Financed: 100% NADA Retail Value; APR range: 3.50% to 13.50% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
Used Vehicle Loan	-	-	4.00%	24 Months
Details Amount Financed: 100% NADA Retail Value; APR range: 4.00% to 14.00% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
Used Vehicle Loan	-	-	5.00%	48 Months
Details Amount Financed: 100% NADA Retail Value; APR range: 5.00% to 15.00% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%
Used Vehicle Loan	-	-	5.25%	60 Months
Details Amount Financed: 100% NADA Retail Value; APR range: 5.25% to 15.25% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%

edU Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	7.99%
Details Method of Computing the Balance for Purchases: Average Daily Balance (Including new purchases); Maximum Credit Limit based on Credit Worthiness: $15,000; Annual Fee: ; Minimum Finance Charge: ; Transaction Fee for Purchases: ; Late Payment Fee: $20.00; Over-the-Limit Fee:; APR range: 7.99% - 14.99% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%

edU Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	7.90%	72 Month (MAX)
Details $15,000 (MAX); APR range: 7.90% to 17.90% Last Updated 09/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 15.61%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

edU Federal Credit Union’s Texas Ratio rose from 4.55% in Q2 2023 to 15.61% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 4.8 and its Health Grade from B to A-. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$44M	15.61%	4.8	A-
December 31, 2025	$44M	18.10%	4.7	B+
September 30, 2025	$44M	8.64%	4.8	A
June 30, 2025	$46M	7.60%	4.4	A-
March 31, 2025	$45M	6.06%	4.3	A-
December 31, 2024	$44M	8.22%	4.3	B+
September 30, 2024	$45M	7.85%	4.2	B+
June 30, 2024	$48M	13.30%	4.1	B
March 31, 2024	$48M	8.92%	4.1	B
December 31, 2023	$48M	5.80%	4.2	B+
September 30, 2023	$50M	5.01%	4.0	B+
June 30, 2023	$51M	4.55%	3.9	B

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for edU Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather edU Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with edU Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name edU Federal Credit Union

Website https://www.edufcu.org

Address 113 W 6th St, Historic New Castle, DE 19720-5070

Phone 302-613-5330

Fax 302-613-5350

President Nancy Smith

CEO Terri France

Full-Time Employees 9

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

A- (90/100)

Texas Ratio

15.61%

Return on Assets (ROA)

-0.0087%

Return on Equity (ROE)

-0.1264%

Non-Performing Loans Ratio (NPL)

2.44%

Total Assets

44,096,915

Total Amount of Shares and Deposits

41,020,783

Total Shares and Deposits < 1 Year

40,671,916

Total Shares and Deposits 1 3 Years

348,867

Total Insured Shares and Deposits > $250K (item 17 less item K)

41,020,783

Total Interest Expense (Sum of items 6 8)

4,280

Share Certificates

Number of Accounts for Share Drafts

2,785

IRA KEOGH Accounts

Number of Accounts for Regular Shares

8,476

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,846,182

Total Liabilities

41,117,718

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

There are no reviews for edU Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for edU Federal Credit Union

Frequently Asked Questions About edU Federal Credit Union

How many branches does edU Federal Credit Union operate?

edU Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join edU Federal Credit Union?

Yes, to access services at edU Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, edU Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, edU Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does edU Federal Credit Union offer online and mobile banking?

Most modern institutions like edU Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.edufcu.org.