Palmetto Citizens Credit Union Columbia SC | Best Auto Loans & Rewards Cards

Introduction

Welcome to Palmetto Citizens, your trusted partner in financial services located at 1550 Gadsden St, Columbia, SC 29201. Established in 1936, our credit union has proudly served over 84,233 members and continues to grow with a commitment to putting our community first. With total assets of $1,320,653,111 and total deposits reaching $97,494,811, we stand strong in our mission to support you with personalized banking solutions. At Palmetto Citizens, we understand that financial success is built on trust and reliability. Our dedicated team of 315 employees, led by CEO Robert Dozier and Board President Steve Hamm, is here to assist you every step of the way. Whether you're looking for auto loans, mortgage options, or personal banking services, we've got you covered. While members can visit us at our branch location, official correspondence should be sent to the same address: 1550 Gadsden St., Columbia, SC 29201. We invite you to explore our offerings that include online and mobile banking options for your convenience. Join us as we continue to make a positive impact in our community. Feel free to reach out at (803) 732-5000 during our operating hours from 9:00 AM - 5:00 PM, Monday through Friday. Together, let's build a brighter financial future! For more information about membership eligibility and services available at Palmetto Citizens, please visit our website at www.palmettocitizens.org. We look forward to serving you!

Branch History & Mission

Welcome to the inspiring story of Palmetto Citizens, a credit union that has been a cornerstone of the Columbia community since its establishment in 1936. Located at 1550 Gadsden St, Columbia, SC 29201, our branch has grown alongside its members, embodying a spirit of service and commitment that is deeply rooted in our mission. From humble beginnings, Palmetto Citizens has evolved into a trusted financial partner for over 84,233 members, offering a range of services designed to meet the diverse needs of our community. With total assets reaching an impressive $1,320,653,111, we are dedicated to providing not just financial solutions but also support and guidance for every member's journey towards financial wellness. Our mission is clear: to empower individuals and families with the tools they need to achieve their financial goals. We believe in fostering strong relationships built on trust and transparency. Whether you're looking for personal banking services like checking and savings accounts or need assistance with auto loans and mortgages, Palmetto Citizens is here to help. We also cater to businesses with merchant services and business loans, reinforcing our commitment to supporting economic growth within our community. While members can visit us at 1550 Gadsden St, official correspondence should be sent to 1550 Gadsden St., Columbia, SC 29201. Our friendly staff is available during lobby hours from 9:00 AM to 5:00 PM Monday through Friday, ready to assist you with all your banking needs. At Palmetto Citizens, we understand the importance of adapting to today's digital landscape. That's why we offer online and mobile banking services, making it easier than ever for you to manage your finances on your terms. Our commitment extends beyond traditional banking; we actively engage in community outreach efforts aimed at improving lives and building stronger connections among residents. With no ATM or drive-thru services currently available at this branch, we focus on delivering personalized service that prioritizes your needs. We are proud of our history and excited about the future as we continue to grow together with you. Join us today and experience the difference at Palmetto Citizens. Let us help you unlock your financial potential! For more information or assistance, feel free to reach out at 803-732-5000. Your journey starts here!

Branch Location & Accessibility

Convenient Access and Features

Finding us is easy! We offer ample parking right outside our doors, ensuring that your visit is hassle-free. Our location is designed with accessibility in mind, featuring ramps and ADA-compliant entrances so everyone can enjoy our services comfortably. At Palmetto Citizens, we understand that your time is valuable. That's why we're open Monday through Friday from 9:00 AM to 5:00 PM. Our friendly staff is ready to assist you with a variety of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and more. Whether you're looking to open an account or need advice on financing options, we're here to help.

Stay Connected

Although we currently do not have an ATM or drive-thru service available at this branch, our commitment to providing exceptional customer service remains unwavering. If you have any questions or would like more information about our offerings, please don't hesitate to reach out at 803-732-5000. We invite you to visit us today at Palmetto Citizens. Discover how we can support your financial journey and become part of our community-focused credit union family!

Member Eligibility

Becoming a member of Palmetto Citizens is like joining a welcoming family that truly cares about your financial well-being. To qualify, you simply need to live, work, or worship in the areas we serve, which opens the door for many individuals and families. We're excited to offer the chance to join our community and enjoy all the benefits that come with it, such as competitive rates on loans and personalized service from our dedicated staff. If you're interested in finding out more about the specific eligibility criteria, feel free to check out this page for all the details. Once you see that you meet the requirements, opening an account with us is straightforward and hassle-free. You can reach out to us at (803) 732-5000 during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday. We're here to help you every step of the way as you become part of our Palmetto Citizens family at 1550 Gadsden St Columbia Sc 29201.

Business Banking & Commercial Services

Loan Options for Growth

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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify daily operations for business owners. For instance, imagine easily processing payments at your store or managing payroll seamlessly. Our services are designed not just to support transactions but also to enhance your overall business experience. Join us at Palmetto Citizens located at 1550 Gadsden St Columbia Sc 29201 in Columbia, SC, and discover how we can partner with you for your business success. For more information, give us a call at (803) 732-5000 or visit our website at Palmetto Citizens Fcu - Scesc.

Comprehensive List Of Services

Business Banking

For small business owners, we provide comprehensive business banking services including merchant services and business loans. Whether you're starting fresh or looking to expand, our team is ready to assist you in achieving your business goals.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! Use them for everyday purchases and watch as points accumulate toward exciting rewards. It's a great way to earn while you spend!

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer online banking, mobile payments, person-to-person transfers, and electronic signatures making it easier than ever for you to manage your finances on the go. Plus, if you ever need cash withdrawal services, we're here to assist with secure transactions. If you're ready to experience the difference that Palmetto Citizens offers or have any questions about our services, don't hesitate to reach out! Call us at 803-732-5000 during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday. We're eager to help you achieve your financial dreams! Discover more about what we can do for you by visiting our website at palmettocitizens.org. Join us today and see how we can support your financial journey!

Mortgage Solutions

Buying a home is one of the biggest decisions you'll make in life. At Palmetto Citizens, we offer mortgage loans and refinancing options designed to fit your budget. Our knowledgeable staff can guide you through the process, ensuring you understand each step so you can find the best solution for your situation.

Personal Banking

Our personal banking services include checking and savings accounts that cater to various lifestyles. Imagine having the convenience of managing your money right from your smartphone through our online and mobile banking platforms. You can easily transfer funds, check your balance, or set up automatic payments all at your fingertips. When it comes to financing your next vehicle, our auto loans and vehicle financing options offer competitive rates that make it easier for you to hit the road. Need a little extra cash? Our personal loans and debt consolidation services can help you manage expenses without the stress.

Digital & Online Banking

Accessibility & Security

At Palmetto Citizens, we prioritize security alongside convenience. Our online banking platform is designed with strong security measures to protect your information while providing easy access to your accounts. Whether you're at home or out running errands, managing your finances has never been more straightforward or safe. With all these features at your fingertips, you can enjoy real-time account management and peace of mind knowing that Palmetto Citizens is here to support you every step of the way. Embrace the future of banking with us today!

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Plus, with electronic signature authorization, signing documents has never been easier or more secure. You can take care of paperwork from the comfort of your home, eliminating the need for physical visits. Additionally, we offer e-statements that provide a clear and organized view of your account activity. No more paper clutter just easy access to your financial information at any time. If you're on the go, our mobile application makes banking even simpler. It supports mobile payments so you can make purchases directly from your phone, and our person-to-person transfer feature allows you to send money to friends or family instantly.

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 at 195,024, showcasing a strong and growing 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 1550 Gadsden St Columbia Sc 29201 or call (803) 732-5000 to learn more about how we can help you achieve your financial goals.

Focused on You

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. 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.

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.

Member Savings

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 commitment to safeguarding your funds highlights our focus on prioritizing member interests over profit.

Our 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

Additional Financing Options

For business owners in our community, we also offer outstanding commercial loans totaling $19,915,206, providing the capital needed to grow and expand your business endeavors. If you're considering refinancing any existing loans or exploring eligibility options for our various products, we encourage you to reach out for personalized assistance. Our team is ready to help you find the best solution tailored to your financial situation. We invite you to contact us at 803-732-5000 for more information about our loan offerings or visit us online at Palmetto Citizens. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial goals!

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. Whether you're considering a new or used vehicle, we provide flexible terms to fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $114,570,568. This means you can secure the financing you need to take that important step toward owning your own home.

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our flexible terms on unsecured credit card loans. We currently have $81,898,269 in loans helping members effectively manage their finances. With competitive interest rates and no collateral required, these cards are a practical choice for those looking to simplify their budgeting.

Loan Aggregator

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PALMETTO CITIZENS FEDERAL CREDIT UNION