Edwards Federal Credit Union membership comes with exclusive offers – and we’re always adding new ones.
Check back from time to time so you never miss an opportunity to save.
Start the year with a fresh financial outlook with an Edwards Debt Consolidation Loan!
Combine credit cards, student loans, and other high-interest debt into one simple payment.
- Rates as low as 7.74% APR* – lower your interest and pay down debt faster.
- One manageable payment – simplify your finances and say goodbye to multiple due dates.
- Potential credit boost – consolidating responsibly may help improve your credit score.
- Fast and easy application – apply online or by phone in minutes.
- Take control of your debt – get a clear plan to pay off balances and start the year debt-free.
Disclosures
*APR = Annual Percentage Rate. Rates, terms, and loan amounts are based on creditworthiness, income, and Edwards Federal Credit Union’s underwriting guidelines. 7.74% APR is the preferred rate for loan amounts of $500 to $30,000 for up to 36 months; at this rate and term, the monthly payment is $31.76 for each $1,000 borrowed. Not all members will qualify for the lowest rate. Other rates and terms may apply. Loan approval is subject to credit review, applicable state laws, and credit union policies. Loan proceeds may not be used to refinance existing Edwards Federal Credit Union loans. This offer applies to external debt only. Members may receive 1% off standard rates, and an additional 1% off for maintaining or opening an Everything Plus Checking Account prior to funding. Offer valid January 1, 2026 – March 31, 2026. Rates and terms are subject to change without notice. Par membership of $1 is required. Payment examples and complete disclosures are available upon request, in accordance with California law. All loans are subject to credit approval and fund availability. Federally insured by NCUA.
We all have a list of “somedays” — someday we’ll remodel the kitchen, add a pool, or finally take that dream trip. With an Edwards Home Equity Loan, you can tap into the value of your home and make it happen today.
With fixed rates, predictable payments and flexible terms you have the power to make positive upgrades to improve your financial picture such as:
- Converting a garage or ADU for extra income
- Going solar or make energy-efficient upgrades
- Consolidating high-interest debt
For a limited time, you could receive up to a $250 Home Depot Gift Card* when your loan funds.
Disclosures
*Apply and receive up to a $250 Home Depot® Gift Card when your Home Equity Loan or Home Equity Line of Credit (HELOC) funds. Gift card amount based on funded loan amount: $250 gift card for funded loans of $50,000 or more. HELOCs require a minimum initial draw of $1,000 at funding to qualify. Offer valid for new Edwards Federal Credit Union Home Equity and HELOC loans only; existing Edwards Federal Credit Union real estate loans do not qualify. Loan approval, rate, and terms are subject to creditworthiness, income, property value, and Edwards Federal Credit Union’s underwriting standards. All loans subject to credit approval and verification of sufficient property equity. Rates, terms, and conditions subject to change without notice. Limit one gift card per loan; no cash value; no substitutions. Gift card will be delivered within 30 days after funding and verification of eligibility. This promotion may be reported as taxable income. Please consult your tax advisor. Offer valid January 1, 2026 – March 31, 2026 and may be modified or discontinued at any time without prior notice. Membership with a $1 per share is required. Equal Housing Lender. Federally insured by NCUA. Home Depot® is a registered trademark of Home Depot Product Authority, LLC. Home Depot is not a sponsor of nor affiliated with this offer.