Palmetto Citizens Federal Credit Union

Scholarship Program

Palmetto Citizens offers students an opportunity to apply for one of twenty $1,000 higher education scholarships annually.

Credit Cards with no Sneaky Fees

With our credit card, you get a low interest rate and no balance transfer, cash advance, or annual fees.

Join Palmetto Citizens!

Become a member today and enjoy better rates, fewer fees and the personalized service we've provided Midlands' residents since 1936.

Auto Loans as low as 3.99% APR*

With an auto loan from Palmetto Citizens, you'll get a great low rate and no payment for 90 days.

Feel the Love. Fuel the Change.

The Palmetto Citizens Foundation is committed to supporting local charitable and educational initiatives. With a donation of just $5, you can become a member of the Foundation and play a meaningful role in building stronger communities.

Welcome Georgia Members

We’re excited to welcome you to Palmetto Citizens Federal Credit Union and are committed to making your branch transition as smooth as possible.

Celebrating 90 years

Since 1936, we’ve been committed to cheering on our members and investing in the communities we serve.

Book Your Appointment Today!

It's easy to schedule an appointment with a team member from any of our branches.

Graduates hold black graduation caps with gold tassels against a blue sky.

A smiling bank employee in a blue blazer raises her arms in excitement while meeting with a customer in her office.

A small dog leans out of a car window during sunset.

Hands knitting a cream fabric swatch with a red heart pattern.

Historical and contemporary photos highlighting the 90-year legacy of Palmetto Citizens Federal Credit Union, from its founding in Columbia to its modern branches, employees and community involvement.

A row of colorful vintage telephone receivers hanging on cords.

Here to Help

Resources

Financial tools and calculators to help manage your money.

Locations

Find our closest branch or no surcharge ATM.

Financial Tip

We will never contact you and ask for personal information such as your card number, PIN number, One-Time Passcode, or digital banking credentials. Please do NOT share any sensitive information to anyone in this manner.

Planned Events

Oct 2026

2027 - 2028 Scholarship Program

October 1st

At Palmetto Citizens, we're committed to giving back to our members and community, beyond just providing low-cost financial services. This is why we partner with the Carolinas Credit Union Foundation annually to award TWENTY individual members with a $1,000 Palmetto Citizens Scholarship! Applications will be accepted online through February of the applied year.

Apply Now

Closed for Columbus Day / Indigenous Peoples' Day

October 12th

All branch locations and our Contact Center will be closed Monday, October 12th in observance of Columbus Day / Indigenous Peoples' Day.

Shred Day at Irmo!

October 13th 10:00 AM - 1:00 PM

Our Irmo Branch is hosting a free document shredding event with Shred 360. Protect yourself from fraud and cut down on the clutter by bringing your unneeded personal documents to be shredded at no cost. There is a limit of 3 bags/boxes/bins of materials per vehicle. All information will be shredded on-site by Shred 360 and you will not need to leave your car. No plastic, glass or other non-paper trash are allowed. You will be asked to take any of your boxes and/or bags back with you. Shred 360 and Palmetto Citizens are not responsible for information abandoned or left unattended by consumers. All materials presented to Shred 360 will be recycled to assure total and permanent destruction of all materials as well as to provide a benefit to the environment. *Times may vary based on the volume of materials received.

10:00 AM - 1:00 PM

2026 Shred Days

Holiday Shopping Trap

October 14th 2:00 PM - 3:00 PM

In this engaging and interactive webinar, we’ll explore the behavioral economic tactics retailers use during holiday shopping and how consumers can recognize these strategies, avoid impulse spending, and make more intentional financial decisions both online and in stores.

2:00 PM - 3:00 PM

View full calendar

Join online today