The EDISTO FEDERAL CREDIT UNION All Credit Levels is a cdfi lender from EDISTO FEDERAL CREDIT UNION. Rewards: Your savings are insured to at least $250,000 by the NCUA, a U.S. Government Agency.. This product reports activity to your personal credit report. Edisto Federal Credit Union (EFCU) is a community-focused financial institution based in Orangeburg, SC, serving South Carolina residents since 1936. EFCU offers a variety of financial services including personal loans, student loans, and insurance products, with a commitment to helping individuals access banking services that may otherwise be unavailable to them. Services include: personal loans, student loans. US Treasury certified CDFI Credit Union in Orangeburg, SC. Membership required.