Last Updated: 04/18/2025
Edwards FCU Holiday Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.05%(Verified 07/15/2024)
Minimum Opening Deposit
$25
Minimum Balance to Earn APY
$25
Edwards FCU Holiday Account Review
Edwards FCU Holiday Account is offered by Edwards Federal Credit Union, a credit union founded in 1962 and based in Palmdale, CA. Edwards FCU Holiday Account are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only 0.05%.
- No monthly maintenance fees. This account does not charge any monthly account fees.
Edwards FCU Holiday Account Pros & Cons
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Edwards FCU Holiday Account FAQ
Are savings accounts from Edwards Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Edwards Federal Credit Union offer a signup bonus?
Edwards FCU Holiday Account doesn't offer a signup bonus.
What is the minimum initial deposit for Edwards FCU Holiday Account?
The minimum deposit to open a Edwards FCU Holiday Account is $25.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Edwards FCU Holiday Account offer?
Edwards FCU Holiday Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Edwards FCU Holiday Account charge?
Edwards FCU Holiday Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $25.00 fee.
- Outgoing international bank transfers come with a $50.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $29.00 fee per item.
Does Edwards FCU Holiday Account charge overdraft fees?
Yes, Edwards FCU Holiday Account charges a $29.00 overdraft fee. Edwards FCU Holiday Account offers overdraft protection at a cost of $3.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does Edwards FCU Holiday Account offer?
This savings account includes the following features:
- Mobile Banking Services - Edwards FCU Holiday Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Edwards FCU Holiday Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Edwards FCU Holiday Account?
The customer support email for Edwards FCU Holiday Account is ememberservice@edwardsfcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM