Edisto Credit Union Orangeburg SC | Best Auto Loans & Business Banking

Introduction

Welcome to Edisto Federal Credit Union, your trusted financial partner in Orangeburg, SC. Established in 1936, we've been dedicated to serving our community for over 85 years. Located at 1880 Russell St, we pride ourselves on providing personalized banking solutions that meet the unique needs of our members. As a member of Edisto Federal Credit Union, you join a family of 2,837 individuals who value community, trust, and financial growth. With total assets exceeding $22,856,319, we have the resources to help you achieve your financial goals whether it's purchasing a new vehicle or saving for your future. We currently offer a variety of services including checking and savings accounts, auto loans, mortgage loans, and business banking options. Our commitment to our members is reflected in our impressive financial standing: we have total deposits of $5,769,960 and a net worth of $3,895,961. We also maintain a solid cash reserve of $301,002, ensuring that your money is secure with us. At the helm of our credit union is CEO Mary Moorer, who leads our dedicated team of 9 employees. Under the guidance of Board President Georgia Montgomery, we strive to foster a welcoming environment where every member feels valued and heard. While members can visit us at 1880 Russell St, official correspondence should be sent to 1880 Russell St, Orangeburg, SC 29115-6107. For any inquiries or assistance, feel free to reach out to us at (803) 535-0077 during our lobby hours from 9 AM to 5 PM. Join us today and experience the difference at Edisto Federal Credit Union! Visit our website at edistofederalcu.org for more information about how we can help you navigate your financial journey.

Branch History & Mission

Community Focus

We are not just about numbers; we are about people. Our outreach efforts aim to strengthen local partnerships and contribute to community development initiatives. From educational workshops to sponsorships of local events, Edisto Federal Credit Union is dedicated to making a positive impact in Orangeburg and surrounding areas. In keeping with modern advancements, our branch maintains ADA compliance and offers essential digital banking options like online access and person-to-person payment services. We also feature an ATM on-site for easy cash withdrawals anytime you need them. As we look ahead to the future, we invite you to join us on this journey. Experience the benefits of being part of Edisto Federal Credit Union where your financial well-being is at the heart of everything we do. Feel free to call us at 803-535-0077 or visit us online at Edisto Federal Credit Union to learn more about how we can serve you better!

Our Mission

The mission of Edisto Federal Credit Union is simple yet profound: we are here to provide accessible financial services while fostering community growth and support. We believe in putting people before profits, ensuring that every member feels valued and understood. Our team is committed to providing personalized service that meets the diverse needs of our community. Whether you're looking to open a checking account or secure a loan for your dream car, our services are designed with you in mind. We proudly offer personal banking options including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, as well as credit cards with rewards. Additionally, our online and mobile banking capabilities ensure that managing your finances is always convenient. While members can visit us at 1880 Russell St for all their banking needs, official correspondence should be sent to the same address. Our drive-thru service allows for quick transactions without leaving your vehicle perfect for those busy days!

Branch Location & Accessibility

Convenient Location

Situated near local landmarks, our branch makes banking easy and stress-free. With ample parking available, you won't have to worry about finding a spot. We also take pride in our accessibility features, ensuring that everyone can visit us comfortably whether you're using our ADA-compliant ramps or drive-thru services for your convenience.

Get In Touch

If you have any questions or would like to learn more about our services before visiting, feel free to call us at 803-535-0077. We look forward to welcoming you to Edisto Federal Credit Union where your financial well-being is our priority!

Operating Hours and Services

At Edisto, we understand that life gets busy. That's why we offer friendly service from 9 AM to 5 PM on weekdays. Whether you need help with personal banking, auto loans, mortgages, or credit cards with rewards, our knowledgeable staff is ready to assist you. Plus, with an ATM on-site and drive-thru banking available, managing your finances has never been easier! While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 1880 Russell St, Orangeburg, SC 29115-6107.

Member Eligibility

Becoming a member of Edisto is like joining a family that genuinely cares about your financial well-being. Located at 1880 Russell St Orangeburg Sc 29115, we welcome individuals who live, work, worship, or attend school in our community. This means that if you're part of the vibrant neighborhoods around us, you likely qualify to join! The process is straightforward and inviting, ensuring everyone feels included. As a member, you'll enjoy personalized services tailored to your needs, from competitive loans to friendly customer support. To learn more about the specific eligibility requirements and how you can start your membership journey with us, feel free to visit our website at . If you have any questions or need assistance along the way, don't hesitate to reach out at (803) 535-0077. We're excited to help you become a part of our Edisto community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services provide practical tools that help streamline daily operations. Imagine being able to accept payments easily, whether in-store or online. With our tailored solutions, you can enhance customer experiences while managing cash flow effectively. Join us at Edisto, located at 1880 Russell St Orangeburg Sc 29115, and discover how we can help your business thrive! For more information, reach out to us at (803) 535-0077 or visit our website at Edisto Federal Credit Union.

Comprehensive List Of Services

Basic Drive-Thru & ATM Services

We also have basic drive-thru banking available for deposits and withdrawals, making transactions quick and hassle-free. With our ATM services located conveniently around town, accessing your funds has never been easier. We invite you to explore all these services and more at Edisto Federal Credit Union! If you have any questions or need assistance, don't hesitate to call us at (803) 535-0077 during our lobby hours from 9 AM to 5 PM. Experience the difference with Edisto where your financial success is our priority!

Business Banking Services

For our business members, we offer merchant services and business loans that can help you grow and manage your enterprise effectively. We know that running a business comes with challenges; that's why we're here to support you with the right financial tools.

Credit Cards with Rewards

Our credit cards come with rewards programs that let you earn points on everyday purchases. Think about how rewarding it would be to earn cash back or travel points simply for using your card for regular expenses.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Edisto offers robust online and mobile banking services. You can check balances, transfer money, pay bills, and even send money to friends all at your fingertips! Plus, our ATM services provide easy access for cash withdrawals and balance checks whenever you need them.

Home Loans

For those considering homeownership or refinancing an existing mortgage, we provide mortgage loans tailored to meet diverse needs. Our experienced team will guide you through the process, ensuring you feel confident every step of the way. You can count on us to help make your dream home a reality.

Personal Banking Solutions

Our personal banking options include checking and savings accounts designed to fit different lifestyles and goals. Imagine having easy access to your funds while earning interest on your savings. Our checking accounts offer convenient features like online banking and mobile access, allowing you to manage your finances from anywhere.

Personal Loans & Debt Management

If you're facing unexpected expenses or looking to consolidate debt, our personal loans are here to help. We work with you to create a plan that fits your budget and helps alleviate financial pressure.

Vehicle Financing

When it comes time to purchase that new car or truck, our auto loans and vehicle financing options make it simple. We understand that buying a vehicle is a big decision, which is why we offer competitive rates and flexible terms. Picture driving off in your dream car without the stress of complicated financing.

Digital & Online Banking

Accessibility and Convenience

For those who prefer using their mobile devices, while we do not have a dedicated mobile application or mobile payment options at this time, our online banking platform is optimized for mobile browsers. This allows you to manage your accounts easily from your smartphone or tablet. In a fast-paced world, having real-time access to your accounts is crucial. At Edisto, we strive to provide an accessible banking experience that fits seamlessly into your lifestyle. Whether you're at home or out and about, our digital services are here to help you stay connected with your finances effortlessly. Experience the convenience of digital banking today with Edisto!

Key Features

Our online banking service includes features that empower you to take control of your finances from the comfort of your home or on-the-go. With 24/7 online banking, you can view your account balances, check transaction history, and transfer funds whenever it suits you. Plus, our person-to-person transfer option makes sending money to friends and family simple and quick. Security is a top priority for us at Edisto. While we don't currently offer electronic signature authorization, rest assured that our systems are equipped with robust security measures to protect your information. We also provide e-statements so you can keep track of your financial activity securely and conveniently without the clutter of paper statements.

Financial Strength

Commitment to Operational Efficiency

Our operational efficiency is demonstrated by our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 0 part-time employees ready to assist you with knowledgeable service.

Growing Membership Trust

We have a strong member base with a total of 5,912 share and deposit accounts that trust us with their finances. This trust speaks volumes about our commitment to serving you well. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Edisto is your trusted partner. Visit us at 1880 Russell St Orangeburg Sc 29115 or call (803) 535-0077 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

With $3,830,683 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant, with $216 in used auto loans and $10,432,652 in total loans and leases supporting your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $4,038,388 in share certificates, offering stable and rewarding financial growth opportunities. While we prioritize our members, it's noteworthy that we have $0 in non-member deposits, which allows us to focus our resources on benefiting you with better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $3,895,961, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is reflected in our net worth ratio of $1,700, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already assisted members with a total of $2,891,548 in used vehicle loans and $931,631 in new vehicle loans, helping them get on the road affordably. We also provide refinancing options if you wish to lower your monthly payments or adjust your loan terms.

Credit Lines

For those who need extra flexibility in their finances, our credit lines amounting to $1,750,000 can be an excellent resource. These lines allow you to borrow when necessary without the hassle of applying for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $11,926, making buying or refinancing simple and accessible. We're here to guide you through the mortgage process, ensuring you find the right solution for your needs.

Unsecured Credit Card Loans

While we currently do not offer unsecured credit card loans directly at this time, our team is always available to discuss alternative financial solutions that can help you manage your expenses effectively. At Edisto Federal Credit Union, we prioritize transparency and support throughout your borrowing journey. If you're interested in exploring any of these loan products or need further assistance with eligibility or refinancing options, please don't hesitate to reach out at 803-535-0077. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you achieve your financial goals today!

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