Edisto Federal Credit Union

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

Edisto Federal Credit Union is headquartered in Orangeburg and is the 40th largest credit union in the state of South Carolina. It is also the 3,220th largest credit union in the nation. It was established in 1936 and as of December of 2019, it had grown to 11 employees and 3,857 members at 2 locations. Edisto Federal Credit Union 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.
See current membership details


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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 - YTD0.28%
Return on Equity - YTD1.83%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$22.3MM$24.2MM
LoansQ4 2019vs Q4 2018$11.8MM$12.3MM
DepositsQ4 2019vs Q4 2018$18.8MM$20.9MM
Equity CapitalQ4 2019vs Q4 2018$3.4MM$3.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$265.00K$315.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$279.00K$394.00K
Real Estate OwnedQ4 2019vs Q4 2018$92.00K$92.00K
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Edisto Federal Credit Union Savings Account Rates

0.85%--Traditional IRA Savings
0.85%--Roth IRA Savings
0.10%$25-Savings Accounts

Edisto Federal Credit Union CD Rates

0.25%--9 Month CD
0.25%--12 Month CD
0.20%--6 Month CD
0.15%--3 Month CD

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

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