Palmetto Citizens

P.O. Box 5846, Columbia, SC 29250

NCUA Insured4.4 (107 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1936

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P.O. Box 5846

Columbia, SC 29250

Google Maps 🗺Waze

(803) 779-1232

Service Area

This credit union is located in Columbia and serves members in the SC area. Currently serving 86,171 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.60%

Used Auto Loan

7.11%

Personal Loan

16.72%

Credit Card APR

15.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in SC

Lowest rates currently reported by credit unions in SC (NCUA Q4 2025).

Trinity Baptist Church— New Auto Loan

Florence, SC

3.00%

Sharonview— Used Auto Loan

Fort Mill, SC

3.49%

Family Trust— Personal Loan

Rock Hill, SC

6.24%

S C I— Credit Card APR

Florence, SC

7.75%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(15 total)

Member Reviews

4.4

107 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Ambriya Odom

6 months ago

I would like to say I love come to this location. I have been doing business with Mrs.Tammy Burns my last few times come to this location. She is very nice and always was about to help me. Today I met with Joe Kane. Whom is the Assistant Branch manager. It was a pleasure meeting. He was very helpful and always very nice. I had a branch close to my house, but I am always willing to drive the extra miles to see wonderful people who always makes me smile and very helpful. Thank you so much so much.

Kerry Sanders

6 months ago

Palmetto Credit Union has been great to work with. The staff is friendly, knowledgeable, and always willing to help. Every time I’ve needed assistance, they handled it quickly and professionally. Highly recommend them for anyone looking for reliable banking.Joe signed me up and I highly recommend !

Heather C. (Phoenix)

4 months ago

I was downtown so i went to this bank instead of my bank on beltline.(Im a member) These people don't know what they 're doing. I asked for a bank lobby transfer which I get every month but they had no idea what I was talking about and trying to do somethingelse which kept being denied. They quit using paper, so you just tell them what you want instead of writing it down and handing them the slip. I don't like that. I'm old school. I like to write it and also shows proof of what i'm asking for. I gave up and went to my bank instead and had no problems. They were friendly but just clueless.

Catherine Eckman

7 months ago

I want to thank Tammy Burns in the Downtown PCFCU office for all of the assistance she has provided me. Today (11/12/25) she helped me change the pin on my Debit/ATM card. I was having difficulty doing this but Tammy made a call and got this all worked out for me. Tammy has helped me several times in the past - she is my new "go to" person at the downtown office. So friendly, professional, and knowledgable. What a great team member you have in Tammy!