Account options
Share Savings
To join Palmetto Citizens, open a share account with as little as $5. Additional savings accounts can be opened and require no minimum balance. Dividends are paid quarterly on balances of $100 or greater.
Learn moreTerm Certificates
Available from 3 to 84-month terms, our competitive rate term certificates only require a $500 minimum balance. Higher balances yield higher rates.
Learn moreMoney Market Accounts
This is an ideal way to invest your money without tying it up for a set term. You earn a higher rate than most savings accounts with dividends paid monthly. Open your account with as little as $2,000; higher balances yield higher rates.
Individual Retirement Accounts
Secure a plan for your retirement and take advantage of the tax savings* with an IRA from Palmetto Citizens.
Christmas Club
Deposit funds directly into the account to make saving easy. There is no minimum balance and dividends are paid quarterly. Funds are deposited into the account of your choice in early November, just in time for your holiday shopping.
Health Savings Account
This tax-advantaged savings plan lets you put in pre-taxed money to use for qualified medical expenses. There is no minimum balance, no service charges and dividends are paid monthly. A HSA-qualified High Deductible Health Plan is required. Contact your plan's provider to see if you qualify.
Savings Round-Up
Once you are enrolled in this free program your debit or ATM card transactions will automatically be rounded up to the nearest dollar, with the difference transferred daily into your savings account.
Learn moreYouth Savings Account
Teach your child the importance of savings with our special accounts for younger members.
Learn moreEducation Savings Accounts
A Coverdell ESA allows you to save up to $2,000 per eligible child per year, and earnings grow tax-free if distributions are used for qualified education expenses (tuition, books, supplies, etc.) at most schools.
Further assistance
If you need additional help with any of the accounts listed, our staff is available to you. Contact us using any of the methods below.
Hours of operation:
Monday - Thursday,
9 am - 5 pm ET
Friday, 9 am - 6 pm ET
Book an appointment with an associate
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Phone: (803) 732-5000