A Better Choice for All Your Financial Needs

Join Palmetto Citizens for fewer fees, better rates and the local, personalized service we’ve been providing since 1936.

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We're a credit union, a not-for-profit financial institution, which means we don't have to pay earnings to stockholders. Instead, we return profits back to our members as better rates and fewer fees.

If you'd like to join Palmetto Citizens, you can become a member using our online application or visit any one of our branches.

For over 85 years, we've remained a popular choice for people in the Midlands because of the valuable financial options we provide to truly help our members, including:

  • Fee-Free Checking: With our Classic Checking, there is no minimum balance requirement or monthly service fees, plus you earn dividends* and Palmetto Rewards.
  • Better Savings Options: Since we're not-for-profit, we can offer our members higher rates on a variety of savings accounts.
  • Low Rate Auto Loans: In addition to a great low rate, our vehicle loans have no payments for the first 90 days.** You can finance new to 3-year-old models at the same low rate and extended terms, with great options for older vehicles too.
  • Better Credit Cards: With a Palmetto Citizens Visa®, you receive a low rate and no annual, cash advance or balance transfer fees. Plus, you earn Palmetto Reward Points with every purchase.
  • Mortgage Solutions: We offer a variety of mortgage and equity solutions to help you purchase a new home, refinance, or use your equity for improvements or debt consolidation.
  • Financial Education Tools & Counseling: We offer an array of tools and programs to help our members achieve their financial goals, such as: free access to financial counseling, online educational modules and a variety of online calculators.

We look forward to assisting you and your financial needs. If you have any questions, please use our Online Contact Form, call (803) 732-5000 or visit one of our 14 Midlands locations.

*Dividends paid monthly on average daily balances of $500 or greater. **Deferred payment option for up to 90 days. Finance charges begin on date of loan closing and are repaid over term.