Edisto Federal Credit Union


1880 Russell St
Orangeburg, SC 29115
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Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 3.00% →
5-Year CD N.A. 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Edisto is an NCUA insured institution located in Orangeburg, SC. It was founded in 1936 and has approximately $23.79 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1397
Date Established 1936
Assets $23.79 million
Loans $10.54 million
Deposits $20.39 million
Capital $3.35 million

Deposit Rates - June 27, 2022

Your Current Location: Virginia, VA 20146

We do not yet have rates for Edisto

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Loan Rates - June 27, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for EDISTO

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
6.129% 5.990% 1.00 $3,750 $1,498 Learn More

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Below are Edisto branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Edisto Locations

Climate Initiatives

EDISTO is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Edisto Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Edisto. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Edisto U.S. Average
4.40% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Edisto had $60,896 in non-current loans and $94,855 in owned assets. To cover these potential losses it had $3,351,731 in net worth and $187,180 in loans loss reserves. That gives it a Texas Ratio of 4.40%.

Net Worth
Edisto U.S. Average
14.08% 12.36%

Edisto FCU has a net worth of 14.08% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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