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To begin your credit union relationship, simply open a savings account with as little as $5 by completing our online application or visiting any of our branches. You can also choose to open a checking account, additional savings accounts or apply for a loan.

Once your membership has been opened, you are able to take advantage of all benefits that come with being a Palmetto Citizens member.

Online membership applications are available for all personal accounts.

At Palmetto Citizens, becoming a member is easy. Whether you qualify through where you live, work, worship, or attend school in South Carolina or Georgia, through the Palmetto Citizens Foundation, or one of our community partners, there's a good chance you're eligible to join.

Membership is available through the Palmetto Citizens Foundation, where a $5 donation supports financial education and community initiatives while making you eligible for Palmetto Citizens membership. We also have a partnership with the Carolina Consumer Council (CCC), a nonprofit organization focused on consumer advocacy and financial education, providing another eligibility pathway for residents of SC, NC, GA, TN, or VA at no cost when opening an account.

Membership may also be available to businesses, non-profits, churches and other legal entities that meet our eligibility requirements.

Not sure if you're eligible? Contact us or visit a branch, and we'll be happy to help determine your eligibility for membership.

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.