At a glance
From its website, read 2 Nov 2026EDISTO FEDERAL CREDIT UNION is a credit union based in Orangeburg, South Carolina. Where it lends: South Carolina.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (803) 535-0077 source |
|---|---|
| Website | edistofederalcu.org |
| Office (official list) | P. O. Box 837, Orangeburg, SC 29116 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 6 Dec 2021 |
| RSSD ID | 497178 |
| Address | P. O. Box 837, Orangeburg, SC 29116 Directions to the main office (Google Maps) |
| Website | edistofederalcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: low. The Loans page was fetched but its content is empty, and the product pages are unrelated shop placeholder content, so no lending products could be confirmed. Terms change — confirm with the lender before applying.
No loan products could be confirmed on the pages we read. That does not mean the lender has none.
Loan sizes
No amounts stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://edistofederalcu.org/
- https://edistofederalcu.org/loan-rates/
- https://edistofederalcu.org/product/pouf-small/
- https://edistofederalcu.org/product/pouf-small/?product_added_to_cart=5917&quantity=1
- https://edistofederalcu.org/product/pouf-small/?product_added_to_cart=5909&quantity=1
- https://edistofederalcu.org/product/pouf-small/?product_added_to_cart=5913&quantity=1
- https://edistofederalcu.org/product/pouf-small/?product_added_to_cart=5901&quantity=1
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We could not confirm any loan product on the pages of their website we read. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as EDISTO (charter 1397). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $23.4 million (as of 30 Jun 2026) |
|---|---|
| Members | 2,771 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
South Carolina (1 office)
- Orangeburg County (1): 1880 Russell St, Orangeburg 29115 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by EDISTO FEDERAL CREDIT UNION (NCUA charter 1397, filed as “EDISTO”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $9.6 million, 1,727 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 10.0% from $10.7 million on 30 Jun 2025 |
| Members | 2,771 (as of 30 Jun 2026); 2,801 (as of 30 Jun 2025) |
| Loans per member | $3,482 (total loans divided by members, 30 Jun 2026) |
| Total assets | $23.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $1.1 million | 11.3% |
| Used vehicle loans | $2.6 million | 26.7% |
| First-lien home mortgages (1-4 family) | $3.3 million | 33.9% |
| Other real estate loans (junior liens, other) | $3,773 | <0.1% |
| Other unsecured loans | $2.3 million | 23.7% |
| Leases and other secured loans | $412,546 | 4.3% |
None reported on the 30 Jun 2026 report: commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $23.4 million | Larger than 11% of the 9 other certified credit unions in South Carolina (median $174.9 million). |
| Loans as a share of assets | 41% | Median of the same 9 credit unions: 63%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $10.7 million → $9.6 million (-10%) | Median change of 9 other certified credit unions in South Carolina: +3%. Rank by loans held among these 10: 9 → 9. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in South Carolina | 9 | larger than 11% |
| Loans held then vs now | certified credit unions in South Carolina reporting both dates | 9 | rank 9 → 9 of 10 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Orangeburg and South Carolina
- Berkeley Community Federal Credit UnionCredit union · Moncks Corner, SCAuto / vehicle loans, Personal / consumer loansVerified
- Business Development Corp of SCLoan fund · Columbia, SCCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- CLIMB FundLoan fund · Charleston, SCCommercial real estate loans, Microloans, Small-business loansVerified
- Carolina Foothills FCUCredit union · Spartanburg, SCAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- CommunityWorksLoan fund · Greenville, SCCredit-builder loans, Microloans, Small-business loansVerified
- HopeSouth FCUCredit union · Abbeville, SCAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at EDISTO FEDERAL CREDIT UNION? Link to this page
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