Business Details
Your Trusted Financial Partner in Columbia, SC
Palmetto Citizens Fed CU has served the financial needs of our community since 1954, providing personalized banking solutions to individuals, families, and businesses. Our comprehensive services include checking and savings accounts, auto loans, mortgages, credit cards, and specialized financial programs designed to promote economic well-being. We prioritize financial education through seminars and digital tools that empower members to make informed decisions about budgeting, home buying, and retirement planning. Our commitment to community development is demonstrated through initiatives like Harvest Hope, which supports local food banks by converting member donations into meals for those in need. With 14 branch locations and a robust digital banking platform, we combine modern convenience with the personal touch of locally-based representatives who understand regional financial landscapes.Our NCUA-insured accounts and Equal Housing Lender designation reflect our adherence to strict regulatory standards while maintaining accessibility for diverse financial backgrounds. Through innovative programs like Palmetto Rewards, we create value for members by transforming everyday transactions into redeemable points for merchandise, travel, and gift cards. Our team of financial professionals brings decades of combined experience in credit union operations, ensuring members receive expert guidance for both immediate needs and long-term financial goals.
Services
Checking Accounts
Savings Accounts
Auto Loans
Credit Cards
Mortgage Loans
Digital Banking
Financial Education
Reward Programs
ATM Network
Loan Applications
Highlights and features
- We offer auto loans with rates as low as 3.99% APR* and 90-day payment deferral
- Our credit cards feature no balance transfer, cash advance, or annual fees
- We provide free financial education seminars and digital money management tools
- Our community initiatives directly support local food security programs
- We combine 14 physical branches with advanced mobile banking capabilities
Associations and certifications
- NCUA
- Equal Housing Lender
Services
Auto Loans
Our auto loan program offers competitive rates starting at 3.99% APR with flexible terms up to 36 months. Members can defer payments for up to 90 days after loan closing, providing financial flexibility during vehicle acquisition. The program serves both new and used vehicle purchases with credit approval based on individual financial profiles.
Credit Cards
We provide credit cards with no hidden fees, including no annual, balance transfer, or cash advance charges. Our cards feature reward programs where every purchase earns points redeemable for merchandise, travel, and gift cards while maintaining competitive interest rates for responsible borrowing.
Digital Banking
Our digital platform enables 24/7 account access through mobile apps with biometric security features. Services include mobile check deposits, bill payment, fund transfers, account management, and secure messaging with financial advisors, all designed to provide comprehensive banking capabilities from any location.
Financial Education
We offer free educational resources including financial calculators, budgeting tools, and in-person seminars covering topics like home buying, retirement planning, and fraud prevention. These resources help members make informed financial decisions at every life stage.
Community Programs
Through initiatives like Harvest Hope, we support local food banks by converting member donations into meals for those in need. Our community focus extends to financial literacy programs and partnerships that address regional economic challenges and development opportunities.
Questions
What types of accounts does Palmetto Citizens offer?
We provide personal and business checking accounts, savings accounts, certificates, and specialized accounts for youth and seniors.
How can I apply for a loan?
Apply online through our mobile app, schedule an appointment at any branch, or contact our loan department directly at 803-251-4554.
What digital banking features are available?
Our mobile app offers account management, mobile deposits, bill pay, card controls, and secure messaging with financial advisors.
Do you offer financial education resources?
Yes, we provide free financial seminars, online calculators, and personalized budgeting tools through our Money Desktop platform.
What community initiatives do you support?
Our Harvest Hope program helps fight local food insecurity by converting member donations into meals for regional food banks.
How can I access ATMs without surcharges?
Use any of our Midlands ATMs or access the nationwide Allpoint Network with over 40,000 surcharge-free locations across the United States.
