About Us
Rates & Fees
Current Rates
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*APY = Annual Percentage Yield. All rates, terms and conditions are subject to change without notice and are not guaranteed.
Credit to Accounts for Member Deposits: The Credit Union's "daily cut-off time": All deposits of transactions received after the time we close for business on a day we are open, received after we open the Night Depository, or received on a day we are closed for business will be treated as if received on the next business day that we are open. View our business hours.
Checking Rates
APYs and dividend rates are accurate as of October 1, 2026, and are subject to change without notice.
Accounts | Balance requirements (to earn APY*) | Dividend rate | APY* | Minimum balance (to avoid fee) |
|---|---|---|---|---|
Classic Checking | $500+ | 0.01% | 0.01% | $0 |
Premium Checking | $500-$2,499.99 | 0.05% | 0.05% | $2,500 |
$2,500-$4,999.99 | 0.10% | 0.10% | $2,500 | |
$5,000-$24,999.99 | 0.15% | 0.15% | $2,500 | |
$25,000+ | 0.20% | 0.20% | $2,500 |
Small Business Checking Rates
*APYs and dividend rates are accurate as of October 1, 2026, and are subject to change without notice.
Accounts | Balance requirements (to earn APY*) | Dividend rate | APY* | Minimum balance (to avoid fee) |
|---|---|---|---|---|
Low Volume | N/A | 0.00% | 0.00% | $0 |
High Volume | N/A | 0.00% | 0.00% | $2,000 |
Non-Profit | $500+ | 0.01% | 0.01% | $0 |
Electronic Funds Transfer Services - Daily limits on transactions: $510.00 at ATMs and up to $3500.00 at Point of Sale Terminals when using debit cards, except as otherwise limited in your Membership Agreement.
Networks Available for EFT Transactions: CIRRUS, STAR (Honor)
Join Palmetto Citizens
Online Membership Application
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.