Ed-med Federal Credit Union

Headquarters

601 Ford St
Ogdensburg, NY 13669
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Notable Rates	APY	Vs.Others
Savings	0.50%	4.60% →
1-Year CD	0.75%	4.59% →
2-Year CD	1.00%	4.00% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Ed-med is an NCUA insured institution located in Ogdensburg, NY. It was founded in 1959 and has approximately $32.92 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 13186
Date Established	1959
Assets	$32.92 million
Loans	$14.31 million
Deposits	$28.84 million
Capital	$4.00 million

Deposit Rates - December 14, 2025

Your Current Location: Colorado, CO 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.50%	$2,500	$4,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.90%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews
24 Mo CD	1.00%	$10,000	$14,999	Learn More Reviews
24 Mo CD	1.00%	$100,000	$199,999	Learn More Reviews

Loan Rates - December 14, 2025

Your Current Location: Colorado, CO 10007

There are currently no loan rates available for Ed-med

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Colorado 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 2022461	5.804%	5.625%	1.00	$6,387	$1,843	Learn More
NMLS ID: 1881674	5.975%	5.875%	0.75	$3,450	$1,893	Learn More
NMLS ID: 6606	6.218%	6.125%	1.00	$3,178	$1,945	Learn More

See More Mortgage Rates →

Featured - Colorado Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

Note to Ed-med
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Branches

Below are Ed-med branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Evans,Colorado

Ed-med Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
MAIN OFFICE	471.18	A	View Lobby Hours

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Climate Policy and Initiatives

ED-MED is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Ed-med Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ed-med. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Ed-med	U.S. Average
2.55%	5.63

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2025, Ed-med had $102,704 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,995,099 in net worth and $31,377 in loans loss reserves. That gives it a Texas Ratio of 2.55%.

Net Worth

Ed-med	U.S. Average
12.13%	14.29%

Ed-med FCU has a net worth of 12.13% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Ed-med

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