Earn more on your savings—with no monthly fees and no minimum balance.
At Edwards Federal Credit Union, we believe your money should work as hard as you do. That’s why our High-Yield Savings Account (HYSA) offers a premium dividend rate—without complex requirements or hidden fees.
- High-yield earnings — Earn one of our most competitive dividend rates on balances up to $250,000.
- No monthly fees — Keep every penny you earn.
- No minimum deposit — Open your account and start earning immediately.
- Direct deposit required — Otherwise the rate reverts to the regular savings rate.
- Federally insured — Your deposits are protected up to $250,000 by the NCUA.
- Minimum Balance to Open:
- $1
- Monthly Service Fee:
- $0
A Smarter Way to Save.
Whether you’re growing an emergency fund, saving for a down payment, or building toward future goals, our High-Yield Savings Account helps your balance grow faster—without locking away your funds like a CD would.
You’ll enjoy both flexibility and earning power, backed by a credit union that puts members first.
| Balance | Annual Percentage Yield (APY)* |
|---|---|
| $0 – $250,000 |
3.50% |
| Over $250,000 | Regular Savings Rate |
*Rates effective 11/01/2025. Rates may change at any time without notice. Fees could reduce earnings on the account.
Ready to Start Earning More?
Complete Disclosure
Account Requirements and Terms
To qualify for the High-Yield Savings rate, the account must receive a direct deposit each month (as defined in the account disclosure). If no qualifying direct deposit is received, or if more than six (6) withdrawals occur in a calendar month, the account will earn the regular savings dividend rate for that month. The account will revert to the High-Yield Savings rate the following month once requirements are met again.
Dividend Information
Dividends are compounded and credited monthly. The dividend rate and Annual Percentage Yield (APY) are subject to change at any time as determined by the Credit Union’s Board of Directors. Fees may reduce earnings.
Membership Requirement
Membership with Edwards Federal Credit Union is required to open and maintain this account.
Truth in Savings Disclosure
For complete account details, fees, and terms, please refer to the Truth in Savings Disclosure and Fee Schedule.
Savings Calculator
Find out how consistent savings over a number of years can be an effective strategy to accumulate wealth.
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