Credit union · NCUA insured
Edisto Federal Credit Union
A $23.4M credit union headquartered in Orangeburg, SC, with 2,787 members and 1 branch in South Carolina. Best rates: CDs 3.05% and savings 0.10% APY.
Edisto Federal Credit Union Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#4 of 6 in Orangeburg, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Edisto Federal Credit Union
Chartered in May 1936, Edisto Federal Credit Union was established by college educators to help people who lacked access to a financial institution.
The member-owned financial cooperative serves members in and around Orangeburg, South Carolina, as well as Allendale and Calhoun counties.
- Headquarters
- 1880 Russell St, Orangeburg, SC 29115-6107
- NCUA charter
- 1397
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees or members of Allendale County Public School System are eligible for membership.
- Employees or members of Calhoun County Public School District are eligible for membership.
- Employees of Claflin University are eligible for membership.
- Employees or members of Denmark Technical College are eligible for membership.
- Employees or members of Orangeburg County Consolidated School Districts 3, 4 and 5 are eligible for membership.
- Employees or members of South Carolina State University are eligible for membership.
2 more ways to join
Military, government and schools
- Employees or members of Voorhees College are eligible for membership.
Family and household
- Family members including mother, father, sister, brother, adopted or foster child, as well as permanent members of the household are eligible for membership.
Branches
1 branch in South Carolina
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South Carolina
1 branch
- Edisto Federal Credit UnionMain office1880 Russell St, Orangeburg, SC 29115Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.37% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.54% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.39% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio17.37%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.54%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.39%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Edisto Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.