Palmetto First

PO Box 3989, Florence, SC 29502

NCUA Insured4.6 (27 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

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

Membership Eligibility

Anyone who lives, works, or worships in or around Florence, SC may be eligible to join. Community credit unions are open to the general public within their service area.

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 1953

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO Box 3989

Florence, SC 29502

Google Maps 🗺Waze

(843) 669-5619

Service Area

This credit union is located in Florence and serves members in the SC area. Currently serving 6,438 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

5.18%

Used Auto Loan

6.45%

Personal Loan

10.48%

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(3 total)

Member Reviews

4.6

27 Google reviews

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

View on Google Maps

Corey Cunningham

a year ago

This is one of the best banks or credit unions you can never be involved with. They have a staff hat, both locations. That'll be happy to help you out with anything. Whether it's the teller or the person in the office. They make sure that all your questions are answered and whatever you need is done.

Regina Matthews

a year ago

I’ve been trying call the location for days. The phone system still has Thanksgiving hours on the voicemail. Can not get anyone to answer the phone in 3 days now. Just an automatic out of date recording. Most of the staff there is pretty awesome.

Charlie Hancock

3 years ago

I have been banking here for more than 20 years. I have always been extremely pleased. The debit card has been very disappointing lately. My card is routinely declined with sufficient funds because of security holds placed on the card due to regular transactions like Netflix and other Payments that have a long history of coming out of the account every month. It is very embarrasing. I love this bank, but they desparately need a new card provider.

Mysti C

5 years ago

Palmetto First has Excellent staff to help your account! They supportive, friendly to name few outstanding people. You will save more with a credit union bank!