Membership Eligibility Requirements

To open an account or loan with Palmetto Citizens, one of the following must apply:

• You live, work, worship, volunteer, attend school, or have immediate family in one or more of the following South Carolina counties: Calhoun, Fairfield, Kershaw, Lexington, Newberry, Orangeburg, Richland or Saluda.
• You are authorized to open an account for a business, organization, non-profit, church or other legal entity operating in one of the counties listed above.
• You are an immediate family member or member of the household of an existing member of PCFCU.
• You work for a Palmetto Citizens Select Employee Group partner: City of Columbia, Irmo Chamber of Commerce, Lexington Chamber/Visitors Center, MB Khan, Office Services of Columbia LLC, Orangeburg County School District, Pawleys Front Porch LLC, Richland School District Two, SC Quarter Horse Association, Town of Batesberg-Leesville, Town of Irmo.
• You live in the state of SC, NC, GA, TN or VA and would like to join the (free) Carolina Consumer Council to be eligible for membership.

If one of the above statements apply to you, select 'Continue' to proceed with your online loan application.

If you have questions about membership eligibility with Palmetto Citizens, feel free to contact us at 803-732-5000 or visit any of our branches.

If you're already a member and enrolled in digital banking, please log in to your account to complete your application.