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Overview / Commentary
1880 Russell St
Orangeburg, SC 29115-6107

Edisto Federal Credit Union is headquartered in Orangeburg and is the 41st largest credit union in the state of South Carolina. It is also the 3,146th largest credit union in the nation. It was established in 1936 and as of September of 2017, it had grown to 10 employees and 3,755 members at 2 locations. Edisto Federal Credit Union's CD rates are 11% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees of Claflin University, Denmark Technical College, Voorhees College, South Carolina State University, and Orangeburg County Consolidated School Districts 3, 4 and 5.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Edisto Federal Credit Union has a low asset base.

Health Grade Components

NCUA #1397
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD2.96%
Annual Interest Income$811.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$25.0MM$25.4MM
LoansQ3 2017vs Q3 2016$10.1MM$9.8MM
DepositsQ3 2017vs Q3 2016$21.7MM$21.8MM
Equity CapitalQ3 2017vs Q3 2016$3.2MM$3.2MM
Loan Loss AllowanceQ3 2017vs Q3 2016$295.00K$283.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$427.00K$388.00K
Real Estate OwnedQ3 2017vs Q3 2016$71.00K$70.00K
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Edisto Federal Credit Union Savings Account Rates

2.50%--Traditional IRA Savings
2.50%--Roth IRA Savings
0.25%$25-Savings Accounts

Edisto Federal Credit Union CD Rates

1.00%--9 Month CD
1.00%--12 Month CD
0.75%--6 Month CD
0.50%--3 Month CD

Edisto Federal Credit Union Locations
Branch Office1880 Russell StOrangeburg, SC 29115-6107
Branch Office1255 Saint Matthews RdOrangeburg, SC 29115