Palmetto Citizens Credit Union Columbia SC | Best Auto Loans & Business Banking

Introduction

Welcome to Palmetto Citizens, your trusted partner in financial wellness since 1936. Nestled at 500 Bush River Rd, Columbia, SC 29210, we pride ourselves on being more than just a credit union; we are a community-focused organization dedicated to enhancing the lives of our 84,233 members. With total assets exceeding $1.3 billion and a commitment to fostering financial growth, we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage financing. At Palmetto Citizens, we understand that every member's journey is unique. That's why our team of 315 dedicated employees, led by our CEO Robert Dozier and Board President Steve Hamm, is here to provide personalized support and expert guidance. We have built a solid foundation over the years, with total deposits reaching an impressive $97,494,811 and a net worth of $170,841,107. Our focus on member satisfaction has allowed us to maintain strong relationships within the community. While you can visit us at our branch for all your banking needs, we also offer convenient online and mobile banking options to help you manage your finances anytime, anywhere. Whether you're looking to save for the future or secure a loan for your next big purchase, our team is ready to assist you every step of the way. Curious about what we can do for you? Call us at 803-732-5000 or explore more about our offerings by visiting our website. Join us today and experience how Palmetto Citizens can empower your financial journey!

Branch History & Mission

Community Impact

Our commitment extends beyond financial services; we actively participate in community outreach efforts that uplift those around us. By partnering with local organizations and supporting various initiatives, we strive to make a difference in Columbia and its surrounding areas. As technology advances, so do we. Our digital banking options including online banking and mobile payments make it easy for you to manage your accounts anytime, anywhere. We are proud to offer these modern conveniences while ensuring ADA compliance for all our members. We invite you to join the Palmetto Citizens family today! Experience firsthand how our focus on community support and personalized service can benefit your financial journey. For more information or assistance, feel free to reach out at 803-732-5000 or visit us online at Palmetto Citizens. Together, let's build a brighter future!

Our Mission

At Palmetto Citizens, our mission is simple yet profound: to provide quality financial services while enhancing the lives of our members and supporting the community. We understand that each member has unique needs, which is why we offer a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking options. Our goal is to help you achieve your financial aspirations while contributing positively to the local economy. We also prioritize accessibility and convenience for our members. With drive-thru banking available and ATMs on-site, managing your finances has never been easier. Whether you visit us during our lobby hours from 9:00 AM to 5:00 PM Monday through Thursday, or until 6:00 PM on Fridays, we're here to assist you every step of the way.

Branch Location & Accessibility

Get In Touch!

Have questions? Don't hesitate to reach out! You can call us at 803-732-5000 for assistance. We invite you to visit us soon and see how we can support your financial journey!

Operating Hours

We know your time is valuable! That's why we're open Monday through Thursday from 9:00 AM to 5:00 PM, and until 6:00 PM on Fridays. Whether you're stopping by early or later in the day, we aim to accommodate your schedule.

Parking and Accessibility

Parking is ample and convenient, ensuring a hassle-free visit. Our branch is fully ADA compliant, featuring ramps and accessible entrances so everyone can comfortably access our services.

Services Available

At Palmetto Citizens, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgages, our team is ready to assist you every step of the way. For those who prefer a quicker experience, we also have drive-thru banking for basic transactions. If you need cash on the go, our ATM is available for easy withdrawals and balance checks right outside our branch.

Member Eligibility

Becoming a member of Palmetto Citizens is like joining a family that truly cares about your financial well-being. If you live, work, worship, or attend school in the Columbia area, you're already eligible! Our doors are open to those who share our community values and want to take advantage of our personalized services. With a simple process to get started, you'll find that opening an account is both welcoming and straightforward. To learn more about the specific eligibility criteria, feel free to check out this resource. Once you're ready, just give us a call at (803) 732-5000 to kick off your journey with us. We can't wait to have you as part of our community at Palmetto Citizens, located at 500 Bush River Rd Columbia Sc 29210!

Business Banking & Commercial Services

Member Commercial Loans

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. Imagine a local bakery that transformed into a bustling café because of the right financing at the right time.

Non-Member Support

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. This ensures that even if you're not yet part of our credit union family, you can access the funds needed to take your enterprise to new heights.

Outstanding Portfolio

With an outstanding commercial loan portfolio of $19,915,206, we continue to drive economic growth by financing new and expanding businesses. Each loan represents a story of ambition, innovation, and success within our community. In addition, we offer merchant services that streamline payment processing, making transactions smoother for you and your customers. From card payments to online invoicing, we provide the tools necessary for your business to run efficiently. Visit us at 500 Bush River Rd Columbia Sc 29210 in Columbia, SC or give us a call at (803) 732-5000 to learn more about how we can support your business goals today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We also offer convenient ATM services for quick cash withdrawals and balance checks. With several ATMs available in our network, accessing your funds is simple and hassle-free.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options can make your dream vehicle more attainable. We provide flexible terms and competitive rates, ensuring that you find the right loan that fits your budget. Imagine driving off in that new car without the stress of complicated financing!

Business Banking

For local entrepreneurs, our business banking services include merchant services and business loans designed to help you grow your venture. We are committed to supporting small businesses in Columbia, providing resources and guidance along the way.

Credit Cards with Rewards

To reward our members for their loyalty, we offer credit cards with rewards programs that let you earn points on purchases. Imagine earning cash back or travel rewards just for using your card for everyday expenses!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your finances anytime, anywhere. From checking balances to transferring funds or paying bills, our digital tools are designed with ease of use in mind.

Drive-Thru Banking

If you prefer face-to-face interactions but want the convenience of staying in your car, take advantage of our basic drive-thru banking services for deposits, withdrawals, and simple transactions. At Palmetto Citizens, we are here to serve you with a variety of financial products that cater specifically to your needs. For any questions or assistance, feel free to reach out at (803) 732-5000 or visit us at 500 Bush River Rd Columbia Sc 29210 during our operating hours: 9:00 AM - 5:00 PM (Mon-Thurs) and 9:00 AM - 6:00 PM (Fri). We look forward to helping you navigate your financial journey!

Mortgage Loans & Refinancing

When it comes to homeownership, we know how important it is to have the right mortgage. At Palmetto Citizens, we offer mortgage loans and refinancing solutions tailored to fit your needs. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team is here to guide you through every step of the process.

Personal Banking

We understand that every member has unique financial needs. That's why we offer personal banking options such as checking and savings accounts designed to help you manage your money effectively. Whether you're saving for a special occasion or need a reliable checking account for everyday transactions, our accounts come with competitive features to support your lifestyle.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans can provide quick access to funds when you need them most. Additionally, if you're juggling multiple debts, consider our debt consolidation options that can simplify your payments and potentially lower your interest rates.

Digital & Online Banking

Convenient Online Services

With our 24/7 online banking platform available at https://www.palmettocitizens.org/ , you can access your accounts, check balances, and pay bills whenever it suits you. No more rushing to the bank before closing time; take control of your finances from the comfort of your home or on the go.

Effortless Account Management

Stay organized with our e-statements feature, which gives you access to your account statements online. This not only helps reduce paper clutter but also allows for quick reference whenever needed. Additionally, our person-to-person transfers let you send money easily to friends or family without any hassle. At Palmetto Citizens, we strive to provide accessible, user-friendly banking solutions that fit into your busy life. Explore all that we have to offer by visiting us at https://www.palmettocitizens.org/ today!

Secure Transactions

Security is our top priority. With electronic signature authorization, signing documents has never been safer or easier. You can sign important forms without needing to visit a branch, saving you time while ensuring your information is protected.

User-Friendly Mobile Features

Our mobile application makes banking even simpler. You can manage your accounts directly from your smartphone, making it easy to deposit checks or transfer money with just a few taps. Plus, our mobile payments feature allows you to make purchases quickly and securely using your device.

Financial Strength

Commitment to Reinvestment

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 lending capacity supports your financial goals across various sectors with $11,777 in used auto loans and $762,531,192 in total loans and leases.

Growing Membership Base

Total Share and Deposit 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): $16,501 a clear indicator of our capacity to support your financial aspirations. 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 500 Bush River Rd Columbia Sc 29210 or call (803) 732-5000 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency shines through with a net income of $4,467,983, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 291 full-time employees and 24 part-time employees who are always ready to assist you with their expertise.

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. We prioritize our members above all else. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $170,841,107, we maintain robust 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. Whether you're looking for a brand-new model or a reliable used vehicle, we have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $19,915,206 provide the capital needed to grow and expand. We are dedicated to supporting local businesses and ensuring they have access to the resources necessary for success. If you're considering refinancing any existing loans or would like more information about eligibility options, feel free to reach out. Our knowledgeable team at Palmetto Citizens, located at 500 Bush River Rd Columbia Sc 29210, Columbia, SC, is ready to assist you. You can give us a call at (803) 732-5000 during our operating hours from 9:00 AM to 5:00 PM Monday through Thursday and 9:00 AM to 6:00 PM on Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Palmetto Citizens, we're committed to providing you with clear information and helpful guidance as you navigate your financial journey.

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're here to guide you through every step of the process, ensuring you find the right loan that fits your financial situation.

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. This can be a great way to handle unexpected expenses or consolidate debt without needing collateral.

Loan Aggregator

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PALMETTO CITIZENS FEDERAL CREDIT UNION