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Member Benefits

Start Saving More With EdFed

Maximize Your Savings

Take Advantage of your Member Benefits and Start Saving Today!

You have fantastic member benefits just waiting to be unpacked!

At EdFed, we offer a wide variety of financial services designed to help you save money and put more cash in your pocket.

Vehicle Loans

Financing your next vehicle or refinancing your current vehicle is simple and seamless with EdFed.

  • Some of the lowest rates available in South Florida
  • Potentially lower your rate by more than 1%1 below your current rate
  • Flexible repayment terms
  • $100 Cash Back2

EdFed is the smarter way to finance your ride!

1All loans are subject to approval and are granted based on individual creditworthiness, the ability to repay and credit score. The Swap & Drop 1% percent loan rate reduction is available for autos, motorcycles, vessels and recreational vehicles currently financed elsewhere that are refinanced with EdFed. The Swap & Drop loan rate reduction is subject to a Floor Rate of 2.75% APR for autos and motorcycles. For vessels and recreational vehicles, the Swap & Drop loan rate reduction is subject to a Floor Rate of 2.75% APR or 3.75% APR dependent upon repayment period. Offer excludes refinances of existing EdFed loans.

2Offer good on all new EdFed auto, boat, recreational vehicles, and motorcycle loans. Offer may be discontinued at any time without prior notice. Cash will be provided as a $100 credit applied to the primary borrower's Prime Share within 30 days of loan funding. Loan must remain open with a balance for a minimum for 14 days to qualify.

Home Loans

Whether you are thinking about purchasing a new home, you are a first-time homebuyer or you are refinancing your current home, we've got the home loan you need with low rates and flexible terms.1

  • Up to $1,000 cash back!1
  • No application fee
  • No pre-payment penalties
  • No intangible taxes charged at closing

1All loans are subject to approval based on creditworthiness, ability to repay, credit score, repayment period and equity in home. First Mortgage loan is available for owner-occupied primary residences located in the State of Florida only. Conventional home loan programs are available up to $726,200 and Jumbo Loan programs are available up to $2,000,000. If you are financing a condominium or obtaining a Jumbo Loan, certain restrictions apply. Please contact our Mortgage Department for more information. Borrowers will receive a rebate of 0.25% of the loan amount financed on the following qualifying loan types: New Mortgage Purchase and First Mortgage Refinance. The minimum loan amount to qualify for this offer is $50,000. The maximum rebate amount is $1,000 per loan transaction. Rebate will be credited at loan closing. Offer cannot be combined with any other discounts. Per IRS regulations, rebates of $600 or more may be reportable as miscellaneous income on form 1099-MISC.

EdFed Rewards Visa Credit Card

Destroy those higher interest rate credit cards, and acquire an EdFed Rewards Visa Credit Card with great benefits. Unlike other rewards cards that make you choose between great rewards or low rates, our EdFed Rewards Visa Credit Card gives you fantastic rewards AND a great low rate!

  • One reward point for every $1 you spend
  • For a limited time, you can earn 60,000 Bonus Points with first $2,000 in purchases.1
  • Same low interest rate for both cash advances and purchases2
  • No annual fee and no balance transfer fees2

EdFed is the smarter way to finance your ride!

1Offer good 05/15/2023. To receive the 60,000 Bonus Points, you must make $2,000 in purchases within 90 days of card issuance. Returns, cash advances, and balance transfers do not count toward the required $2,000 purchase total. This first 30,000 in bonus points will be awarded within the first ten business days of the month immediately following the month in which the $2,000 purchase requirement is met. The remaining 30,000 bonus points will be awarded within five business days of the first 30,000 award. 60,000 bonus points are valued at $480 and are redeemable for cash, gift cards, merchandise, or travel. In order to redeem bonus points, you must enroll in the EdFed Rewards program at Unredeemed points expire three years from the month of issuance.

2As of 07/28/2023, Annual Percentage Rate (APR) ranges from 14.75% to 18.00%. The APR will vary with the market based on the Prime Rate. Eligibility for the lowest rate and loan approval are based on creditworthiness, the ability to repay, and your credit score.


Enjoy the following features:

  • No minimum balance or direct deposit requirements
  • Complimentary box of standard EdFed design checks when you open a new checking account
  • The ability to pay bills, make deposits, transfer funds and review statements with the EdFed 24/SEVEN app
  • Dividends earned on checking account balances
  • Free notary and coin redemption services at EdFed branches

EdFed is the smarter way to finance your ride!


Enjoy the following features:

  • No monthly maintenance fees1 and dividend earnings on balances of $100 and above
  • Access to over 55,000 Allpoint Network and Presto! ATMs nationwide
  • Ability to customize your savings plan with supplemental accounts for educational, holiday, vacation, and property tax saving needs
  • The option to link your savings to your EdFed Checking for overdraft protection transfers
  • Free mobile banking with the EdFed 24/SEVEN app to make deposits, transfer funds, and review your account activity

1If you have not made a withdrawal from, deposit to, or transfer involving your account for more than one (1) year, the Credit Union may classify your account as a dormant account. The Credit Union imposes a monthly service fee for continuing to process your dormant account as set forth on the Service Fee Schedule.

Member Perks

Get exclusive member discounts to movie theaters, retailers, parks, services, and more, including:

  • AMC & Regal movie tickets
  • Zoo Miami
  • Rapids Water Park
  • Jungle Island

Want to learn more? Complete the form below, and a dedicated EdFed representative will call you.

Contact Information
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