Join Palmetto Citizens

Join Palmetto Citizens today to enjoy better rates, fewer fees and the personalized service we’ve been providing to Midlands residents since 1936.

Online Membership Application

If you would like to become a Palmetto Citizens member, in addition to visiting one of our offices (mask and ID required to enter), you can also begin your membership application online to open your initial savings account.

Once your application has been submitted, a representative will contact you to complete your request. To handle the entire process remotely, you will need to provide electronic copies of your South Carolina Driver's License (or other valid SC ID), a current utility bill and an initial deposit of at least $25.00 (this can be handled over the phone using a checking account and routing number). You can also complete this portion of the process by visiting one of our 14 Midlands Offices during business hours.

To begin your membership application, click here.

Once your membership and initial savings account are opened, you can open any additional accounts, apply for a loan(s) or take advantage of the other benefits of membership with Palmetto Citizens.

Currently, online membership applications are only available for personal accounts. If you would like to open another account type, or have any questions, please call (803) 732-5000.

Membership Eligibility

Palmetto Citizens membership is open to any individual who lives, works, worships or attends school in the following counties in central South Carolina: Calhoun, Fairfield, Kershaw, Lexington, Newberry, Orangeburg, Richland or Saluda.

Membership may also be available to businesses, non-profits, churches and legal entities operating in this area. If you’re outside this area but have immediate family in these counties, you may be eligible to join as well.

To begin your credit union relationship, simply open a savings account with as little as $25. This deposit will gain you access to the full range of products and services Palmetto Citizens has to offer. To do so, please visit any of our convenient locations (mask and ID required to enter) or begin your membership application online. Call (803) 732-5000 or (800) 435-5626 for more information.

The Credit Union Difference

As a credit union, we’re a not-for-profit financial institution. That means we, unlike banks, do not have to pay earnings to stockholders. Instead, we return profits back to our member-owners as lower loan rates, higher savings rates and fewer fees.

When you borrow and save with Palmetto Citizens, you are also keeping your money locally. That means we’re able to assist more of your neighbors, area small businesses and local charitable causes.

Funds deposited in our credit union are federally insured by a fund backed by the full faith and credit of the U.S. government. As the FDIC does for banks, the National Credit Union Share Insurance Fund (NCUSIF) insures savings of at least up to $250,000 per account. The NCUSIF is administered by the National Credit Union Administration (NCUA), an agency of the federal government.

The History of Palmetto Citizens

Palmetto Citizens Federal Credit Union, formerly known as Columbia (SC) Teachers FCU, was organized and issued a federal charter on June 4, 1936. Ten individuals each deposited $5.00 to begin the credit union which only served the employees of Columbia Public Schools.

In 2001, the National Credit Union Administration (NCUA), an agency of the federal government that oversees all federally chartered credit unions, gave approval for us to become a community based credit union and officially became Palmetto Citizens. We were the first credit union in South Carolina to be granted a multi-county community charter.

Today, Palmetto Citizens is one of South Carolina's larger credit unions, serving over 73,000 members with assets of over $1 billion.

PATRIOT Act: To comply with the USA PATRIOT Act, Palmetto Citizens is required to verify the identity of members applying for membership and opening new accounts or services. Information we are required to obtain includes name, mailing and residence address, date of birth and a copy of a government issued photo ID. Additional information may also be gathered depending on the type of account applied for or opened. Identification and information on existing members will be gathered as they open or use additional services offered by the credit union. Confidentiality of the information gathered and used by Palmetto Citizens will be maintained as required under the Privacy Act.