Palmetto Citizens Federal Credit Union


Overview / Commentary
803-732-5000
1320 Washington St
Columbia, SC 29201

Palmetto Citizens Federal Credit Union is headquartered in Columbia and is the 6th largest credit union in the state of South Carolina. It is also the 346th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 281 employees and 84,765 members at 15 locations. Palmetto Citizens Federal Credit Union's CD rates are 5X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Palmetto Citizens Federal Credit Union is open to those who live, work, worship, or attend school in Calhoun, Fairfield, Kershaw, Lexington, Newberry, Orangeburg, Richland, or Saluda Counties in South Carolina. Immediate family of membership-eligible individuals also qualify. Businesses and non-profits, legal entities and churches operating in the area are also eligible for membership.
See current membership details

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Health
A+

Health Grade Components

Overall
NCUA #1472
Year Chartered1936
Employees281
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD6.63%
Annual Interest Income$16.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.39B$1.3B
LoansQ1 2025vs Q1 2024$767.9MM$758.9MM
DepositsQ1 2025vs Q1 2024$1.11B$1.05B
Equity CapitalQ1 2025vs Q1 2024$170.5MM$145.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$10.6MM$9.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.8MM$3.9MM
Real Estate OwnedQ1 2025vs Q1 2024$0$225K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Palmetto Citizens Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Palmetto Citizens Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*$2k*-Health Savings Account
OTHER TIERS: 0.85% $100 - $2k
1.56%*$2k*-Small Business Health Savings Account
OTHER TIERS: 0.85% $100 - $2k
0.38%*$25k*-Small Business Sweep Account
OTHER TIERS: 0.12% $500 - $2k | 0.21% $2k - $25k
0.30%$100-Prime Share Savings
0.30%$0-Christmas Club
0.30%$100-Small Business Prime Share (Savings)

Palmetto Citizens Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$250k*-Premium Money Market
OTHER TIERS: 0.90% $0 - $25k | 1.41% $25k - $100k | 1.46% $100k - $250k
1.76%*$250k*-Small Business Premium Money Market
OTHER TIERS: 1.41% $25k - $250k
1.06%*$25k*-Money Market Account
OTHER TIERS: 0.85% $0 - $25k
1.06%*$25k*-Money Market IRA
OTHER TIERS: 0.85% $2k - $25k
1.06%*$25k*-Small Business Money Market Account
OTHER TIERS: 0.85% $2k - $25k

Palmetto Citizens Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.39%*$25k*-Premium Checking
OTHER TIERS: 0.12% $500 - $2.5k | 0.26% $2.5k - $5k | 0.30% $5k - $25k
0.12%$500-Classic Checking
0.12%$500-Non-Profit Small Business Checking

Palmetto Citizens Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.16%*$250k*-12 Month CD
OTHER TIERS: 4.06% $500 - $100k | 4.11% $100k - $250k
4.16%*$250k*-18 Month CD
OTHER TIERS: 4.06% $500 - $100k | 4.11% $100k - $250k
4.16%*$250k*-Business 12 Month CD
OTHER TIERS: 4.06% $500 - $100k | 4.11% $100k - $250k
4.16%*$250k*-Business 18 Month CD
OTHER TIERS: 4.06% $500 - $100k | 4.11% $100k - $250k
3.80%*$250k*-24 Month CD
OTHER TIERS: 3.70% $500 - $100k | 3.75% $100k - $250k
3.80%*$250k*-Business 24 Month CD
OTHER TIERS: 3.70% $500 - $100k | 3.75% $100k - $250k
3.75%*$250k*-12 Month Add-To CD
OTHER TIERS: 3.65% $500 - $100k | 3.70% $100k - $250k
3.75%*$250k*-12 Month Youth Add-To CD
OTHER TIERS: 3.65% $500 - $100k | 3.70% $100k - $250k
3.75%*$250k*-Business 12 Month Add-To CD
OTHER TIERS: 3.65% $500 - $100k | 3.70% $100k - $250k
3.65%*$250k*-182 Day CD
OTHER TIERS: 3.55% $500 - $100k | 3.60% $100k - $250k
3.65%*$250k*-Business 182 Day CD
OTHER TIERS: 3.55% $500 - $100k | 3.60% $100k - $250k
3.49%*$250k*-24 Month Step-Up CD
OTHER TIERS: 3.39% $500 - $100k | 3.44% $100k - $250k
3.49%*$250k*-Business 24 Month Step-Up CD
OTHER TIERS: 3.39% $500 - $100k | 3.44% $100k - $250k
3.39%*$250k*-30 Month CD
OTHER TIERS: 3.29% $500 - $100k | 3.34% $100k - $250k
3.39%*$250k*-36 Month CD
OTHER TIERS: 3.29% $500 - $100k | 3.34% $100k - $250k
3.39%*$250k*-Business 30 Month CD
OTHER TIERS: 3.29% $500 - $100k | 3.34% $100k - $250k
3.39%*$250k*-Business 36 Month CD
OTHER TIERS: 3.29% $500 - $100k | 3.34% $100k - $250k
3.14%*$250k*-48 Month CD
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-60 Month CD
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-Business 48 Month CD
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-Business 60 Month CD
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-72 Month CD
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-Business 72 Month CD
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-84 Month CD
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-Business 84 Month CD
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
0.85%*$250k*-91 Day CD
OTHER TIERS: 0.75% $500 - $100k | 0.80% $100k - $250k
0.85%*$250k*-Business 91 Day CD
OTHER TIERS: 0.75% $500 - $100k | 0.80% $100k - $250k

Palmetto Citizens Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.16%*$250k*-12 Month IRA
OTHER TIERS: 4.06% $500 - $100k | 4.11% $100k - $250k
4.16%*$250k*-18 Month IRA
OTHER TIERS: 4.06% $500 - $100k | 4.11% $100k - $250k
3.80%*$250k*-24 Month IRA
OTHER TIERS: 3.70% $500 - $100k | 3.75% $100k - $250k
3.75%*$250k*-12 Month Add-To IRA
OTHER TIERS: 3.65% $500 - $100k | 3.70% $100k - $250k
3.65%*$250k*-182 Day IRA
OTHER TIERS: 3.55% $500 - $100k | 3.60% $100k - $250k
3.49%*$250k*-24 Month Step-Up IRA
OTHER TIERS: 3.39% $500 - $100k | 3.44% $100k - $250k
3.39%*$250k*-30 Month IRA
OTHER TIERS: 3.29% $500 - $100k | 3.34% $100k - $250k
3.39%*$250k*-36 Month IRA
OTHER TIERS: 3.29% $500 - $100k | 3.34% $100k - $250k
3.14%*$250k*-48 Month IRA
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-60 Month IRA
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-72 Month IRA
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
3.14%*$250k*-84 Month IRA
OTHER TIERS: 3.03% $500 - $100k | 3.09% $100k - $250k
0.85%*$250k*-91 Day IRA
OTHER TIERS: 0.75% $500 - $100k | 0.80% $100k - $250k
0.30%$0-IRA Share Account
Locations

Availability

Columbia Area

Interactive local rates map


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