Business Details
50+ Years
experience
Your Community Credit Union for All Financial Needs
Palmetto Citizens Federal Credit Union has served the financial needs of our community since 1955, providing personalized banking solutions to individuals, families, and businesses. Our team of experienced financial professionals offers a comprehensive range of services including checking and savings accounts, loans, credit cards, and investment services tailored to meet diverse financial goals. We prioritize member satisfaction through competitive rates, innovative digital tools, and exceptional customer service. Our commitment to financial education empowers members to make informed decisions about money management, home buying, and retirement planning. As a not-for-profit cooperative, we reinvest earnings to benefit our members through improved services and lower fees.Our community involvement includes initiatives like Harvest Hope, which has provided over 4 million meals to local families in need. With 14 branch locations and a robust online banking platform, we combine local expertise with modern convenience to serve members across South Carolina. Our 24/7 account access and mobile app features like mobile deposit and card lock technology ensure secure, flexible banking options. We maintain strict compliance with regulatory standards while fostering a culture of transparency and ethical financial practices. This dedication to excellence has earned us recognition as a trusted financial partner in the Midlands region.
Services
Checking Accounts
Savings Accounts
Auto Loans
Credit Cards
Mortgage Services
Investment Services
Online Banking
Mobile Banking
Bill Pay
Financial Education
Details
- Year established: 1955
Highlights and features
- We offer auto loans with rates as low as 3.99% APR
- Our credit cards have no balance transfer or annual fees
- We've donated over $1 million to local food banks since 2018
- Our mobile app provides 24/7 secure account access
- We provide free financial education resources and calculators
Associations and certifications
- National Credit Union Administration
- Equal Housing Lender
What people say
Excellent loan rates
Responsive staff
Community involvement
User-friendly app
Financial education
Services
Auto Loans
Our auto loans feature competitive rates starting at 3.99% APR with flexible terms up to 36 months. We offer financing for both new and used vehicles, including special programs for first-time buyers. Our loan specialists help members find the right financing solution that fits their budget and credit profile.
Credit Cards
We provide low-interest credit cards with no hidden fees, including no annual, balance transfer, or cash advance charges. Our cards offer rewards programs, fraud protection, and global acceptance through the Visa network. Members can choose between secured and unsecured options to build credit responsibly.
Online Banking
Our 24/7 online banking platform allows members to manage accounts, transfer funds, pay bills, and deposit checks remotely. Features include real-time alerts, budgeting tools, and secure messaging. The mobile app adds biometric login and card control features for enhanced convenience and security.
Mortgage Services
We offer competitive mortgage rates for home purchases and refinancing, including conventional, FHA, and VA loan options. Our local loan officers provide personalized guidance through the entire mortgage process, from pre-approval to closing, with specialized programs for first-time homebuyers.
Financial Education
We provide free financial literacy resources including budgeting tools, calculators, and educational seminars. Our programs cover topics like debt management, retirement planning, and first-time homebuyer education. Members receive personalized guidance to develop sustainable financial habits.
Questions
How do I apply for a loan?
Apply online through our mobile app or website, or visit any branch. Our loan officers will contact you within one business day to complete the process.
What are your routing number and account access options?
Our routing number is 253978617. Access accounts 24/7 via mobile app, online banking, or our automated phone system at 803-256-4073.
How can I report a lost or stolen card?
Call our dedicated hotline at 833-455-3249 immediately to report lost/stolen cards and request replacements.
Do you offer business banking services?
Yes, we provide business checking accounts, commercial loans, and merchant services. Contact our business banking team at 803-251-4554 for details.
What investment services are available?
We offer retirement accounts, IRAs, and investment advisory services through our partnership with licensed professionals. Schedule a consultation at 803-376-2807.
How does your rewards program work?
Earn points on debit and credit card purchases through Palmetto Rewards. Points can be redeemed for merchandise, gift cards, and travel options at www.dreampoints.com/PalmettoCitizens.
