Palmetto Citizens Credit Union Columbia SC | Quick Personal Loans & Top Checking Accounts

Introduction

Welcome to Palmetto Citizens at our Millwood branch, where community and service come together! Located at 3122 Millwood Ave, Columbia, SC 29205, we have been proudly serving our members since 1936. With a strong commitment to fostering financial well-being, we are here to help you achieve your goals whether that's buying a new car, purchasing a home, or simply saving for the future. At Palmetto Citizens, we understand the importance of trust and reliability in banking. As of now, we are proud to support 84,233 members with total assets exceeding $1.32 billion. Our dedicated team of 315 employees, led by CEO Robert Dozier and Board President Steve Hamm, is focused on providing you with personalized financial solutions tailored to your needs. You'll find that our services extend beyond just traditional banking. We offer everything from checking and savings accounts to auto loans and business banking solutions. Our total deposits stand at a commendable $97,494,811, ensuring that your money is secure with us. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 3122 Millwood Ave., Columbia, SC 29205. If you have any questions or need assistance, feel free to give us a call at 803-732-5000 or explore our website at palmettocitizens.org for more information. Join us today and experience firsthand how we can make your financial journey smoother and more rewarding! Your future starts here with Palmetto Citizens.

Branch History & Mission

Welcome to Palmetto Citizens, a credit union that has been a cornerstone of the Columbia community since it opened its doors in 1936. Located at 3122 Millwood Ave, Columbia, SC 29205, our branch has grown alongside its members, evolving into a trusted partner for financial services and community support. With a proud history spanning over eight decades, we have built strong relationships with our 84,233 members and fostered a culture of service and commitment. Over the years, Palmetto Citizens has witnessed significant milestones that reflect our dedication to our members' needs. From humble beginnings, we have expanded our offerings to include personal banking, auto loans, mortgages, and business services. Today, we proudly manage total assets of over $1.3 billion, demonstrating our stability and strength in serving the financial needs of our community. At Palmetto Citizens, our mission is simple yet powerful: to provide accessible financial solutions while supporting the growth and well-being of our community. We strive to empower individuals through education and resources that enhance their financial literacy. Our commitment goes beyond banking; we actively engage in local outreach efforts that uplift those around us. While members can visit us at 3122 Millwood Ave, official correspondence should be sent to 3122 Millwood Ave., Columbia, SC 29205 if you need to reach us by mail. Our branch features convenient drive-thru banking and ATM availability to ensure your banking experience is smooth and efficient. We understand the importance of staying connected in today's digital world. That's why we've embraced technology with online and mobile banking options. Members can manage their accounts with ease from anywhere. Additionally, we take pride in being ADA compliant, ensuring everyone can access our services without barriers. Our partnerships with local organizations allow us to support various community initiatives. We believe in giving back because when our community thrives, we all benefit. Whether it's through sponsoring local events or providing financial education workshops, Palmetto Citizens is here for you. As we look toward the future, we invite you to join us on this journey. Experience the personalized service and commitment to excellence that sets Palmetto Citizens apart from traditional banks. Visit us today or explore more about becoming a member at Palmetto Citizens. Together, let's build a stronger financial future for you and your family! For any inquiries or assistance, feel free to call us at 803-732-5000 during our operating hours: 9:00 AM - 5:00 PM Monday through Thursday and 9:00 AM - 6:00 PM on Friday. We can't wait to welcome you into the Palmetto Citizens family!

Branch Location & Accessibility

Banking Hours Tailored to You

We understand that life can be busy, which is why we have flexible operating hours. Visit us Monday through Thursday from 9:00 AM to 5:00 PM, or come see us on Friday when we stay open until 6:00 PM. Our friendly staff is always ready to assist you during these hours.

Easy Access for Everyone

At Palmetto Citizens, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can easily access our services. Ample parking is available right outside, making it hassle-free to drop by for your banking needs. If you prefer the convenience of drive-thru banking, you're in luck! We offer a drive-thru service for quick deposits and withdrawals without leaving your car.

Services That Meet Your Needs

At Palmetto Citizens, we offer a variety of services designed to help you with all your banking needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Our ATM is available for cash withdrawals and balance checks whenever you need it. While members can visit us at 3122 Millwood Ave, official correspondence should be sent to the same address as our mailing address remains unchanged. If you're looking for a supportive financial partner in Columbia, look no further than Palmetto Citizens! Feel free to give us a call at 803-732-5000 or swing by today we can't wait to meet you!

Member Eligibility

At Palmetto Citizens, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you're looking to join us at our welcoming location on 3122 Millwood Ave Columbia Sc 29205, you'll be pleased to know that eligibility is quite inclusive! Generally, anyone who lives, works, or worships in the area can become a member. We also welcome family members of current members, making it easier for your loved ones to benefit from our services too. For more detailed information on specific eligibility requirements, feel free to check out our website at http://www.palmettocitizens.org/membership. Joining us is simple and straightforward. You can open an account easily by giving us a call at (803) 732-5000 or visiting our branch. We're here to help you every step of the way as you unlock access to all the great benefits that come with being part of Palmetto Citizens. Whether it's competitive loan rates, personalized service, or convenient online banking options, we are excited to have you onboard!

Business Banking & Commercial Services

Merchant Services That Simplify Transactions

In addition to loans, we offer essential merchant services that help businesses thrive. Imagine having a payment processing solution that not only accepts credit cards but also offers insights into your sales trends. Our services provide convenience and efficiency, allowing you to focus on what you do best running your business. Located at 3122 Millwood Ave Columbia Sc 29205 in Columbia, SC, our team is ready to partner with you on your journey. For inquiries, call us at (803) 732-5000. Let's work together to take your business further!

Tailored 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. This funding has empowered local entrepreneurs to expand their operations, hire new staff, and invest in innovative projects. - With an outstanding commercial loan portfolio of $19,915,206, we continue to drive economic growth by financing new and expanding businesses. Our tailored loan solutions are designed to meet the unique needs of each business owner.

Comprehensive List Of Services

Business Banking Services

For our local entrepreneurs, we offer specialized business banking services including merchant services and business loans. We know how important it is to have reliable financial tools as you grow your business.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking solutions. You can easily check balances, pay bills, transfer funds, and even send money person-to-person with just a few taps on your smartphone. Our ATM and cash withdrawal services are readily available for quick access to your funds whenever you need them.

Credit Cards & Rewards

Looking to earn rewards while you spend? Our credit cards with rewards allow you to earn points on purchases that can be redeemed for travel, merchandise, and more. It's an excellent way to make your spending work for you.

Drive-Thru & ATM Services

If you're on the go or simply prefer face-to-face transactions without leaving your car, take advantage of our basic drive-thru banking services for deposits, withdrawals, and simple transactions. Additionally, our ATMs are equipped for withdrawals and balance checks so that accessing your money is easy no matter where life takes you. At Palmetto Citizens, we pride ourselves on being more than just a credit union; we're a community partner dedicated to helping our members thrive financially. With personalized service from our friendly team and numerous convenient features designed with you in mind, we invite you to explore all that we have to offer. Ready to take the next step? Contact us at 803-732-5000 or visit us online at palmettocitizens.org to learn more about how we can assist you today!

Personal Banking Solutions

Our personal banking services make it easy for you to manage your money with confidence. You can open checking and savings accounts that fit your lifestyle. We also offer auto loans and vehicle financing options designed to get you behind the wheel without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our mortgage loans provide competitive rates and personalized service. Plus, for those unexpected expenses, our personal loans and debt consolidation options can help you regain control over your finances.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check balances, pay bills, and transfer funds at your convenience. Need to send money to a friend? Our person-to-person transfers feature allows you to do just that with just a few taps on your mobile device. For those who prefer using their smartphones, our mobile application is available for easy access to all your banking needs. Plus, you can make purchases with ease using our mobile payments feature, giving you flexibility without compromising safety.

Security and Accessibility

Your security is our priority. We utilize electronic signature authorization for safe transactions while ensuring that everything you do online is protected. With e-statements available, you can easily manage your financial documents electronically no need for paper clutter! All of these features are crafted with user-friendliness in mind. Whether you're tech-savvy or just starting to explore digital banking, you'll find it intuitive and straightforward. Experience the freedom of real-time account management with Palmetto Citizens's digital services today! Visit us online at https://www.palmettocitizens.org/ to learn more and get started.

Financial Strength

Growing Member Trust

Total Share Accounts stand at 195,024, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $16,501, reflecting our ability to support more lending opportunities for our community. 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 3122 Millwood Ave Columbia Sc 29205 or call (803) 732-5000 to learn more about how we can help you achieve your financial goals.

Member-Centric 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. 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.

Operational Efficiency

Our impressive $4,467,983 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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.

Reinvestment for Growth

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. Our $11,777 in used auto loans and $762,531,192 in total loans and leases demonstrate our commitment to supporting your financial goals across various sectors.

Strong 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 flexible terms and fast approvals to make your car-buying experience as smooth as possible.

Business Loans

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, we are here to support your business journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $114,570,568, making buying or refinancing simple. We offer competitive interest rates and various loan structures that can fit your budget and needs.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our products, we're here to guide you through the process. Our team is ready to answer your questions and help you find the best solution for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan offerings or if you're ready to apply, don't hesitate to reach out at 803-732-5000. Let us assist you in making informed decisions that align with your financial aspirations!

Unsecured Credit Card Loans

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. These cards come with no collateral requirements and provide you with the freedom to make purchases while maintaining control over your finances.

Loan Aggregator

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