Palmetto Citizens Federal Credit Union

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.

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.

Book Your Appointment Today!

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

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.

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

Feb 2026

Closed Early for Employee Training

February 3rd 04:00

All branch locations and our Contact Center will close at 4pm Tuesday, February 3rd for an employee training. We apologize for any inconvenience. We will resume operations as normal Wednesday, February 4th.

04:00

Investment Diversification Webinar

February 10th 06:00-07:00

Retirement savers face new challenges in today's volatile market. Traditional portfolio diversification may not grow your savings - causing you to face additional risks. Find out new ways of managing your investment risk with this Investment Diversification seminar. You can attend this seminar at no cost and without obligation.

06:00-07:00

Gaining Control of Your Spending

February 11th 02:00-03:00

Join us for an engaging session designed to help you take control of your financial future. In this webinar, we will explore the main influences on spending and how behavioral economics impacts the choices we make every day.

02:00-03:00

Closed for Presidents' Day

February 16th

All branch locations and our Contact Center will be closed Monday, February 16th in observance of Presidents' Day.

89th Annual Meeting

February 19th 05:30-07:00

The Annual Meeting of the membership is a chance for our members to hear about the accomplishments and financial status of their credit union. The event will take place at Brookland Baptist Church, 1066 Sunset Blvd. West Columbia, SC 29169. Doors will open at 5:30pm for fellowship and dinner, followed by the meeting at 6:30pm with door prize drawings immediately following. There is no cost to attend, however seating is limited and will be available on a first come, first serve basis. Reservations are not required or accepted.

05:30-07:00

Women & Investing Webinar

February 24th 06:00-07:00

There's no denying the facts: Women tend to live longer. As a woman, how do you know if you have saved and invested enough for your retirement? Join Karen Kuhlmann for a candid conversation on the importance of building your own financial future through investing. Help take control of your financial future by learning how to become a successful lifelong investor.

06:00-07:00

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