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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.

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, Saluda or Sumter.

We also have a partnership with the Carolina Consumer Council (CCC), a nonprofit organization focused on consumer advocacy and financial education, which allows anyone living in SC, NC, GA, TN, or VA to join Palmetto Citizens! Membership to the CCC is free when joining Palmetto Citizens and they won't contact our members or use or sell their information.

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.

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.