Edisto Federal Credit Union

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11-Month No-Penalty CD

Security & Flexibility
with Access to Funds.
Member FDIC.

1.45% APY

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1.20% APY

Overview / Commentary

edistofederalcu.org

803-535-0077

1880 Russell St
Orangeburg, SC 29115-6107

Edisto Federal Credit Union is headquartered in Orangeburg and is the 41^st largest credit union in the state of South Carolina. It is also the 3,154^th largest credit union in the nation. It was established in 1936 and as of June of 2017, it had grown to 10 employees and 3,849 members at 2 locations. Edisto Federal Credit Union's CD rates are 11% higher than the national average, and it has a B 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.
See current membership details

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Health

B

Data as of Q2 2017

Learn why bank health matters

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

Overall
NCUA #	1397
Year Chartered	1936
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	3.77%
Annual Interest Income	$549.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$25.4MM$24.7MM
Loans	Q2 2017vs Q2 2016	$10.7MM$10.3MM
Deposits	Q2 2017vs Q2 2016	$22.1MM$21.5MM
Equity Capital	Q2 2017vs Q2 2016	$3.2MM$3.2MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$299.00K$268.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$427.00K$299.00K
Real Estate Owned	Q2 2017vs Q2 2016	$71.00K$70.00K

Rates

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Edisto Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	-	-	Traditional IRA Savings
2.50%	-	-	Roth IRA Savings
0.25%	$25	-	Savings Accounts

Edisto Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	9 Month CD
1.00%	-	-	12 Month CD
0.75%	-	-	6 Month CD
0.50%	-	-	3 Month CD

Locations

Edisto Federal Credit Union Locations
Branch Office	1880 Russell St	Orangeburg, SC 29115-6107
Branch Office	1255 Saint Matthews Rd	Orangeburg, SC 29115