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Edisto Federal Credit Union

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Edisto Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Edisto Federal Credit Union?

Yes, to access services at Edisto Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Edisto Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

Edisto Federal Credit Union's 1st Mortgage rates are at 5.95%. Edisto Federal Credit Union's Auto Loan Rates are as low as 4.50%. MonitorBankRates evaluates the financial stability of Edisto Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.70%. Rates last updated and verified on 09/16/2026.

Edisto Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Edisto Federal Credit Union? Share your experience about Edisto Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Edisto Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.70%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Edisto Federal Credit Union
Edisto Federal Credit Union

1880 Russell St
Orangeburg, SC 29115-6107

https://www.edistofederalcu.org

Edisto Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
1st Mortgage	-	-	5.95%	15 years
Details LTV: 80%; Maximum Amount/Terms: $150,000/15 years Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Edisto Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loan	-	-	4.50%	More than 60 mos.
Details Rate: 4.5% - 14.95%; Maximum: $30,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
New Auto Loan	-	-	5.25%
Details Rate: 5.25% - 13.00%; Maximum: $50,000; We will match any rate you receive from a dealer or other financial institution on new and used auto loans Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Used Auto Loan	-	-	6.50%	60 mos. or less
Details Rate: 6.5% - 12.50%; Maximum: $30,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Edisto Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Computer (New) Loan	-	-	7.00%
Details Rate: 7.00% - 15.00% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Credit Builder Loan	-	-	12.00%
Details No Credit History; Rate: 12.00% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Furniture (New) Loan	-	-	7.00%
Details Rate: 7.00% - 15.00%; Based on 70% of Selling Price Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Land Loan	-	-	10.00%
Details LTV: 80%; Rate: 10.00% - 18.00% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Edisto Federal Credit Union’s Texas Ratio fell from 3.49% in Q2 2023 to 2.70% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$23M	2.70%	5.0	A+
December 31, 2025	$23M	3.10%	5.0	A+
September 30, 2025	$23M	2.22%	5.0	A+
June 30, 2025	$23M	1.26%	5.0	A+
March 31, 2025	$23M	0.30%	5.0	A+
December 31, 2024	$23M	0.50%	5.0	A+
September 30, 2024	$23M	1.25%	5.0	A+
June 30, 2024	$22M	2.18%	5.0	A+
March 31, 2024	$23M	0.85%	5.0	A+
December 31, 2023	$23M	2.53%	5.0	A+
September 30, 2023	$23M	3.32%	5.0	A+
June 30, 2023	$23M	3.49%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Edisto Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Edisto Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Edisto Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Edisto Federal Credit Union

Website https://www.edistofederalcu.org

Address 1880 Russell St, Orangeburg, SC 29115-6107

Phone 803-535-0077

Fax 803-539-9020

President Georgia Montgomery

CEO Mary Moorer

Full-Time Employees 9

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.70%

Return on Assets (ROA)

0.1590%

Return on Equity (ROE)

0.9199%

Non-Performing Loans Ratio (NPL)

1.09%

Total Assets

23,443,704

Total Amount of Shares and Deposits

19,325,130

Total Shares and Deposits < 1 Year

19,325,130

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

902,261

Total Uninsured Shares and Deposits > $250K (F+J)

902,261

Total Insured Shares and Deposits > $250K (item 17 less item K)

18,422,869

Total Interest Expense (Sum of items 6 8)

58,474

Share Certificates

204

Number of Accounts for Share Drafts

1,953

IRA KEOGH Accounts

122

Number of Accounts for Regular Shares

3,545

All other shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,385,559

Total Liabilities

19,391,999

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Edisto Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Edisto Federal Credit Union

How many branches does Edisto Federal Credit Union operate?

Edisto Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Edisto Federal Credit Union?

Yes, to access services at Edisto Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Edisto Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Edisto Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Edisto Federal Credit Union offer online and mobile banking?

Most modern institutions like Edisto Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.edistofederalcu.org.