Privacy Policy and Agreement

Trust has always been the foundation of our relationship with members. Because you trust us with your financial and other personal information, we are committed to respect your privacy and safeguard that information. To preserve your trust, we pledge to protect your privacy by adhering to the practices described.

By signing any application or agreement with us, or your use or continued use of any our services with after receiving this document, you jointly and severally agree to the terms and conditions set forth in this Policy and Agreement.

The Categories of Information We Collect

We only collect information about our members for lawful business purposes, or as otherwise required by applicable law. We maintain strict security procedures to protect your information. We collect information about members from the following sources:

a) Information we receive from you on applications and other forms such as your name, address, social security number, assets and income;

b) Information about your transactions with us, our affiliates, and others such as your account balance, payment history, parties to your transactions and credit card usage; and

c) Information we receive from consumer reporting agencies regarding your creditworthiness and credit history.

You agree that the street and e-mail address provided in your Membership Application, Signature Card or any other applications or notices accepted by us are publicly available and will be used to provide notices, disclosures, statements, other communications (including but not limited to our responses to your e-mail communications) and offers for certain products or services as explained in this Privacy Policy.

Categories of Information We Disclose

We do not disclose any non-public personal information about our members or former members, except as permitted by applicable law. EXAMPLE: We may disclose the nonpublic personal information we collect as described above to Financial Service Providers such as insurance agents, and to other non-affiliated third parties as permitted by applicable law.


We are committed to taking every reasonable precaution to protect individual identifying information that you provide to us. We restrict access to nonpublic personal information about you to employees who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Notices and “Joint Relationships”

Except where expressly required by applicable law, we will provide all notices, including opt-out notifications if required, to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, including but not limited to appropriate opt-out forms, to the e-mail or Internet address provided by said person. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.


The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.

Disclosures of Information About Former Members

If you terminate your membership with Edisto Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

What You Can Do to Help Protect Your Privacy

Edisto Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

  • Protect your account numbers.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explain the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you have any questions concerning this policy, please do not hesitate to call us—we are here to serve you.



EFCU continues to take precautions to safeguard our

members and staff as we deal with the COVID-19 Corona virus.  Our

lobby will be closed effective March 23, 2020

until further notice.  Members are encouraged to use the

ATM or Drive-Thru. 

You can also access your account via the website at

If you need to see a staff member, please call the credit union at

(803) 535-0077

for an appointment.