601 Ford St
Ogdensburg, NY 13669
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 0.66% →
1-Year CD 0.75% 0.67% →
2-Year CD 1.00% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Ed-med is an NCUA insured institution located in Ogdensburg, NY. It was founded in 1959 and has approximately $28.47 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 13186
Date Established 1959
Assets $28.47 million
Loans $9.49 million
Deposits $25.57 million
Capital $2.87 million

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.50% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.90% $10,000 $14,999 Learn More
18 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to ED-MED
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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:

Ed-med Locations

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
2.69% 5.40

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 December 31, 2020, Ed-med had $78,336 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,866,630 in net worth and $48,048 in loans loss reserves. That gives it a Texas Ratio of 2.69%.

Net Worth
Ed-med U.S. Average
10.07% 12.67%

Ed-med FCU has a net worth of 10.07% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Ed-med

Branches and Savings

What is Ed-med?

A federal credit union, registered with the NCUA under certificate #13186.
Learn more about credit unions here.

Is Ed-med FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Ed-med is insured by the NCUA.

Who can join Ed-med?

Please see Field of Membership information above for information on who is eligible to join.

What are Ed-med's share account and share certificate rates?

Ed-med's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Ed-med?

Ed-med has total capital of $2.87 million. Full information on Ed-med's financial position is located above.

Who owns Ed-med?

Credit Unions are owned by their members.

Where are Ed-med branches located?

See branch locations nearby.

Are Ed-med ATMs Open 24/7?

Do Ed-med ATMs accept cash deposits?

Can Ed-med customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Ed-med have a mobile app?

Does Ed-med have mobile deposit?

Does Ed-med have quick pay?

How can Ed-med transfer money to other banks or credit unions?

Does Ed-med report to credit bureaus?

Does Ed-med use Chexsystems?

Does Ed-med use Equifax?

What is Ed-med's toll free phone number?

What is Ed-med's ACH Routing Number?

What is Ed-med's SWIFT code?

Where can I find Ed-med's wire transfer form?

What is the Ed-med address for deposits?

What Products Does Ed-med Offer

Does Ed-med offer mortgages?

Compare mortgage rates here.

Does Ed-med offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ed-med offer auto and RV loans?

Compare auto loan rates here.

Does Ed-med offer student loans or personal loans?

Compare personal loan rates here.

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