Palmetto Citizens Credit Union Blythewood SC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Palmetto Citizens, your trusted financial partner in Blythewood, SC. Located at 312 Blythewood Rd, we have proudly served our community since 1936. With a strong commitment to our members, we are dedicated to providing quality financial services tailored to meet your needs. At Palmetto Citizens, we believe that banking should be accessible and straightforward. Our team is here to support you with a variety of services, including personal banking, auto loans, mortgages, and business banking solutions. Currently, we are honored to serve over 84,233 members while managing total assets of over $1.32 billion. We understand the importance of community involvement and strive to make a positive impact on the lives of those we serve. With a robust net worth of $170,841,107 and total deposits reaching $97,494,811, you can trust that your finances are in safe hands. Our CEO, Robert Dozier, along with Board President Steve Hamm, leads our dedicated team of 315 employees who are always ready to assist you. While members can visit us at 312 Blythewood Rd, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out at (803) 779-1232. We invite you to explore our website at palmettocitizens.org for more information about our services and how we can help you achieve your financial goals. Join us at Palmetto Citizens today and experience the difference in your banking journey!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we've embraced digital advancements while ensuring ADA compliance so everyone can benefit from our services. With online banking options like mobile payments and e-statements available at your fingertips, managing your finances has never been easier. As part of our ongoing effort to enhance member experience, we value partnerships with local businesses and organizations that share our commitment to community welfare. Together, we aim to create a supportive environment where everyone can thrive. Join us at Palmetto Citizens and discover how we can help you achieve your financial dreams while being part of a community-oriented family. We invite you to reach out at 803-779-1232 or visit us online at Palmetto Citizens. Your journey toward a brighter financial future starts here!

Our Journey

Since our inception, Palmetto Citizens has focused on delivering exceptional financial services while fostering a spirit of community support. Over the years, we have grown from a small group of dedicated individuals into a thriving organization with over 84,000 members and total assets reaching an impressive $1,320,653,111. This growth reflects not only our commitment to providing top-notch financial solutions but also our dedication to making a positive impact in the lives of those we serve.

Our Mission

At Palmetto Citizens, our mission goes beyond just banking. We strive to empower our members by offering personalized financial services that help them achieve their goals. Whether it's through checking and savings accounts, auto loans, mortgage financing, or credit cards with rewards, we are here to support your financial journey. We believe in giving back to the community that supports us; therefore, we actively engage in outreach efforts that strengthen local ties and assist those in need. While members can visit us at 312 Blythewood Rd Blythewood Sc 29016, official correspondence should be sent to 312 Blythewood Rd, Blythewood, SC 29016 if it differs from our branch location. Our lobby hours are designed for your convenience: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. Plus, for added ease of access, we offer ATM services and drive-thru banking.

Branch Location & Accessibility

Accessibility

At Palmetto Citizens, we prioritize making banking accessible for everyone. Our branch features ADA-compliant facilities, including ramps and designated parking spaces, ensuring that all members can easily access our services. Plus, with ample parking available right outside the entrance, you'll find it easy to stop by anytime.

Get in Touch

Have questions or need assistance? Don't hesitate to reach out! You can call us at 803-779-1232 for any inquiries or just drop by our branch during business hours. We look forward to welcoming you into our Palmetto Citizens family!

Mailing Information

While members can visit us at our branch location, official correspondence should be sent to our mailing address: 312 Blythewood Rd, Blythewood, SC 29016.

Operating Hours

We understand that everyone has busy schedules. That's why our lobby hours are designed to accommodate you. We're open Monday through Thursday from 9 AM to 5 PM and on Friday until 6 PM. Whether you prefer visiting us during the week or need to swing by after work on Fridays, we've got you covered!

Services Offered

At our Blythewood branch, we offer a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgages, we're committed to helping you achieve your financial goals. Need cash? We have an ATM available for quick withdrawals and balance checks. If you're looking for a more personal touch, our drive-thru service allows you to handle deposits and simple transactions without leaving your car.

Member Eligibility

At Palmetto Citizens, becoming a member is like joining a family that truly cares about your financial well-being. We welcome anyone who lives, works, worships, or attends school in our community to apply for membership. It's as simple as that! Whether you're looking for personal banking options, auto loans, or just a supportive place to manage your finances, we're here for you. To find out more about our eligibility criteria and ensure you meet all the necessary requirements, feel free to visit our website at http://www.palmettocitizens.org/membership . If you're ready to take the next step, opening an account with us is straightforward and hassle-free. Don't hesitate to reach out at (803) 779-1232 if you have any questions or need assistance our friendly team is always ready to help! Join us today at 312 Blythewood Rd Blythewood Sc 29016 and experience the benefits of being part of Palmetto Citizens!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine being able to accept payments from customers with ease. Our merchant services allow you to process transactions quickly, whether online or in-person. This means your cash flow stays strong, allowing you to focus on what really matters growing your business. Visit us at 312 Blythewood Rd Blythewood Sc 29016 in Blythewood, SC, or give us a call at (803) 779-1232 to learn more about how our business banking solutions can help turn your vision into reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $103 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $19,915,206, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a hurry? Our ATM services allow for quick withdrawals and balance checks anytime, making it easier than ever to access your funds when needed.

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it easy for you to drive off in the vehicle of your dreams. We provide competitive rates and flexible terms, so you can focus on finding the right car without worrying about the financial burden.

Business Banking

If you're a business owner, we offer business banking services including merchant services and business loans. We understand the unique challenges faced by small businesses and are here to help you thrive in a competitive market.

Credit Cards with Rewards

With our credit cards, enjoy rewards while making everyday purchases! Whether it's cashback on groceries or travel points for your next vacation, our credit card options are designed to give back as you spend.

Drive-Thru Banking

For those days when you prefer not to come inside, we offer basic drive-thru banking services for deposits, withdrawals, and other simple transactions all without leaving your car! At Palmetto Citizens, we're committed to making banking accessible and straightforward for everyone in Blythewood and beyond. With friendly staff ready to assist you at every turn and hours designed around your schedule (Mon - Thur 9:00 AM - 5:00 PM; Fri 9:00 AM - 6:00 PM), we're here whenever you need us. Ready to experience all that we have to offer? Give us a call at (803) 779-1232 or visit us today! Explore how we can support your financial journey with care and dedication at Palmetto Citizens Fcu - Blythewood!

Mortgage Loans & Refinancing

For those looking to buy a home or refinance their existing mortgage, our mortgage loans are tailored just for you. We guide you through every step of the process, ensuring that you find a solution that works best for your budget.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. Check balances, transfer funds, and pay bills from anywhere using our user-friendly app or website your bank is always at your fingertips.

Personal Banking

We understand that managing money can be challenging. That's why we offer personal banking services that include checking and savings accounts designed to help you keep track of your finances effortlessly. Imagine having a checking account that fits your lifestyle, along with a savings account that helps you reach your future goals faster.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans are here to help when you need cash fast, whether it's for emergencies or planned purchases. Plus, if you're juggling multiple debts, consider our debt consolidation options one simple payment could simplify your life significantly.

Digital & Online Banking

Key Features

Our online banking platform puts you in control. You can easily check your balance, transfer funds, and pay bills with just a few clicks. For those who prefer using their smartphones, our mobile application makes banking on-the-go simple and hassle-free. Whether you're making purchases or sending money to friends through our person-to-person transfer feature, you'll find it easy to manage your finances right from the palm of your hand. Security is a top priority at Palmetto Citizens. We utilize electronic signature authorization to ensure that your transactions are safe and protected. Plus, our e-statements provide a secure way to keep track of your account without the clutter of paper statements.

Why Choose Us?

We know life can be busy, which is why we've created user-friendly tools to help you stay organized and informed about your finances. With mobile payments enabled, you can make quick transactions without needing cash or cards. Our services are designed for accessibility and ease-of-use so that you can focus on what really matters in life. Join us at Palmetto Citizens today and experience the freedom of digital banking that fits seamlessly into your daily routine!

Financial Strength

Dedicated Team

We also take pride in having 291 full-time employees and 24 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand strong at 195,024, showing a robust member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Palmetto Citizens is your trusted partner. Visit us at 312 Blythewood Rd Blythewood Sc 29016 or call (803) 779-1232 to learn more about how we can help you achieve your financial goals.

Focused on Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Additionally, with $161,863,871 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better.

Robust Lending Capacity

With $11,777 in used auto loans and $762,531,192 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $4,467,983 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secure Savings Options

Members' savings are secured through $194,047,448 in share certificates and $271,261,678 in money market shares, offering stable and rewarding financial growth opportunities. This focus on member benefits sets us apart from traditional banks.

Solid Financial Health

With a net worth of $170,841,107, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,289 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $194,353,529 in used vehicle loans and $62,931,710 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, making it easier than ever to drive away with a great deal.

Business Financing

For business owners, our outstanding commercial loans totaling $19,915,206 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or working capital to manage your business operations, our team is ready to assist you with tailored solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $114,570,568, make buying or refinancing simple. We understand that purchasing a home is one of the biggest decisions you'll ever make, and we're here to guide you through the process with competitive rates and personalized service.

Refinancing Options

If you're considering refinancing any existing loans be it an auto loan or mortgage our knowledgeable staff can help assess your current situation and find ways to save you money. We encourage you to explore eligibility options that could benefit your financial journey. Whether you're at our branch located at 312 Blythewood Rd Blythewood SC 29016 or giving us a call at 803-779-1232 during our operating hours (Mon - Thur 9:00 AM - 5:00 PM; Fri 9:00 AM - 6:00 PM), we're here to provide the support you need. For further details on how we can assist with your specific loan needs or questions about eligibility requirements, visit us online at Palmetto Citizens or check out our membership page here. Remember that all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial success is important to us; let's work together to make it happen!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $81,898,269 in loans helping members manage their finances effectively. Our credit cards come with rewards and no annual fees, giving you more value while you spend.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers presented are fair and transparent. Each lender featured has been vetted for reliability, guaranteeing that you receive genuine offers without hidden fees or surprises.

PALMETTO CITIZENS FEDERAL CREDIT UNION