Edisto Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

edistofederalcu.org

803-535-0077

1880 Russell St
Orangeburg, SC 29118

Edisto Federal Credit Union is headquartered in Orangeburg and is the 37^th largest credit union in the state of South Carolina. It is also the 3,114^th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 9 employees and 2,796 members at 1 location. Edisto Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Claflin University, Orangeburg and Allendale County Public Schools, Calhoun County Public School District, Denmark Technical College and Voorhess College.
See current membership details

Reviews

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Health

Data as of Q1 2025

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	9
Primary Regulator

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	6.57%
Annual Interest Income	$334K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$23.1MM$23MM
Loans	Q1 2025vs Q1 2024	$11.1MM$11.5MM
Deposits	Q1 2025vs Q1 2024	$19MM$19.1MM
Equity Capital	Q1 2025vs Q1 2024	$4MM$3.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$150K$150K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$12K$33K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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Edisto Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$25	-	Savings Accounts

Edisto Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$0	-	12 Month CD
0.20%	$0	-	6 Month CD
0.15%	$0	-	3 Month CD

Edisto Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%	$0	-	Traditional IRA Savings
0.75%	$0	-	Roth IRA Savings

Locations

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

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