NCUA Insured
Member-Owned
2 charter
Established in 1938
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Chambersburg, PA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1938
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Chambersburg and serves members in the PA area. Currently serving 7,046 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.75%Used Auto Loan
6.25%Personal Loan
11.15%Credit Card APR
9.50%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in PA (NCUA Q4 2025).
Jerome, PA
Sayre, PA
Mckeesport, PA
New Cumberland, PA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.0
24 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsGeorgina Cranston
11 months ago
I've been a member for years. I consistantly receive great service from all reps (both Greencastle and Chambersburg!) Recently--I had a special request and 1st Ed went above and beyond to accomodate me. It pays to be a member! Special thanks for Lori (hope I spelled you name corectly) and Denay for reaching out to make it happen.
DoughboyTame sd
6 months ago
This is a terrible bank they screw you out your own hard earned money every chance they get this new “update” they’ve been “spent many months preparing for this change” clearing they have not. I needed my debit card called never sent went in person they doubled charged me for a new card, 7-10 business days after the first time. The inability they cause almost caused me to be late on rent let alone I could have $500 in my checking and then get denied for a $100 charge. This use to be a solid place 4-5 years ago the past 2 years oh my have they crashed themselves I would never recommend I plan to close my account as soon as I get all my info transferred into my other accounts outside this nightmare of a bank. On top of that once they hear you’re going to try and close they charge your account with “Penalty ARP” they don’t care about they’re people they just want to steal your money. They also hide how to go paperless another example how they steal your money the give an excuse to charge you monthly instead of just automatically opting you in? I would never recommend this bank lord I pray there is even better options for our teachers because this is bottom of the barrel finances.
Stacy McNew
a year ago
Edit - 11/03/2024 The folks at 1st Ed just completed a conversion in their banking software. (Members you may have read about it in your email or online). As technology goes, sometimes there are problems, so I was a bit apprehensive about what might happen. I logged onto my mobile app this morning and checked my accounts and they are all 100% correct everything is included my checking savings and credit card accounts along with the identifiers. I couldn’t be happier with the format, and want to thank the staff for their hard work, and informing me of the change and making it look better than before. This morning I received a call from the fraud department because I had placed some online orders last night. 3 were quite close together so it triggered them to act. We were able to go over my transactions and confirm they weren’t fraud. I am personally very happy they do this as I have had fraud on my debit card at a previous institution that wasn’t as savvy. If you want great service and a group of folks that actually care about you and your money I’d recommend you give them a call.
Linda G
5 months ago
Always pleasant staff to deal with and they are prompt to set an appointment when needed.
Angela Lynch
a year ago
The customer service at 1st Ed Credit Union is second to none! I have been using this credit union since 2008 for personal banking as well as auto lending and HELOC. Highly professional team who truly care about the members!
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(717) 264-6506Website
Visit WebsiteMembers
7,046
Total Assets
$138.8M
Year Opened
1938
Net Worth
Well Capitalized
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile