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

Introduction

Welcome to Palmetto Citizens, your trusted financial partner located at 2651 Clemson Rd, Columbia, SC 29229. Since our establishment in 1936, we have proudly served our community, growing to over 84,000 members who count on us for their banking needs. Our commitment is to provide not just services but a sense of belonging and trust. At Palmetto Citizens, we manage a robust portfolio with total assets exceeding $1.32 billion and total deposits reaching $97,494,811. This strong financial foundation allows us to offer a variety of products tailored for everyone from personal checking accounts to auto loans and business financing solutions. With more than 315 dedicated employees, we strive to create a welcoming environment where every member feels valued. Our leadership is guided by CEO Robert Dozier and Board President Steve Hamm, who work diligently to ensure that our values are reflected in every interaction. We understand the importance of community impact and are dedicated to providing financial education and support to our members. While you can visit us at our branch for all your banking needs, official correspondence can be directed to the same address: 2651 Clemson Rd., Columbia, SC 29229. Whether you're looking for personal banking solutions or need assistance with loans our friendly team is here to help. Feel free to call us at 803-732-5000 or explore our website at palmettocitizens.org for more information about our services. Join us today and experience the difference of being a member of Palmetto Citizens!

Branch History & Mission

Community Commitment

At the heart of our mission is a genuine desire to uplift our community. We engage in various outreach programs aimed at supporting local initiatives and enhancing financial literacy among all age groups. From sponsoring local events to partnering with schools for educational workshops, we believe that investing in our community creates a brighter future for everyone.

Innovation and Accessibility

In today's fast-paced world, we understand the importance of staying connected and accessible. That's why Palmetto Citizens has embraced technology with online banking options, mobile payments, and e-statements all designed to make managing finances easier for our members. We are committed to ADA compliance so that all members can access our services without barriers. With an ATM available on-site and drive-thru banking options for quick transactions, we prioritize convenience while ensuring quality service remains paramount. Our dedicated team is here during operating hours Monday through Friday from 9:00 AM to 5:00 PM to assist with your financial needs.

Join Us

As we look ahead towards future milestones, we invite you to join us on this journey. Whether you're looking for personal banking solutions or seeking guidance on your next business venture, Palmetto Citizens is here to help you every step of the way. Experience the benefits of membership today by visiting us or calling at 803-732-5000. Together, let's build a prosperous future!

Our Journey

Starting from humble beginnings, Palmetto Citizens began its journey with the aim of providing accessible financial solutions tailored to the needs of our community. Over the years, we've expanded our offerings from basic savings accounts to a full suite of services, including auto loans, mortgages, personal loans, and business banking solutions. Our branch is located at 2651 Clemson Rd, Columbia, SC 29229 a convenient spot for residents and local businesses alike. Just off the bustling Clemson Road, we are easy to find and access. While members can visit us at 2651 Clemson Rd., official correspondence should be sent to the same address. We have built a reputation not only for our competitive rates but also for our dedication to community outreach and support. Our mission is clear: we strive to empower individuals and families through sound financial advice and personalized service.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our branch is situated near several local landmarks, making it easy to stop by while you're out running errands. Just a short drive from the bustling intersection of Clemson Road and Two Notch Road, we are close to various shops and restaurants. Parking is readily available, ensuring that your visit will be hassle-free. Plus, our facility is ADA compliant, featuring ramps and other accessibility features so everyone can enjoy our services comfortably.

Operating Hours and Services

We understand that your time is valuable. That's why we are open Monday through Friday from 9:00 AM to 5:00 PM, ready to assist you with a wide range of services. Whether you're looking to open a checking account, apply for an auto loan, or use our ATM for quick cash withdrawals, our friendly staff is here to help make your banking experience smooth and efficient. For those who prefer drive-thru banking, we also offer this service for deposits and simple transactions. If you need assistance outside of regular hours or have specific inquiries about our offerings, feel free to give us a call at 803-732-5000. Our team is always happy to help!

Visit Us Today!

While members can visit us at 2651 Clemson Rd for all their banking needs, official correspondence should be sent to the same address as well. We invite you to come by and experience the welcoming atmosphere of Palmetto Citizens. Your financial journey starts here let's take the next step together!

Member Eligibility

At Palmetto Citizens, we believe that becoming a member means joining a community that genuinely cares about your financial well-being. If you live, work, or worship in the area, you're likely eligible to join us! We welcome individuals from diverse backgrounds and are excited to offer you access to our great services. Whether you're looking for checking and savings accounts, loans, or credit cards with rewards, being a member at Palmetto Citizens opens up a world of opportunities tailored just for you. To learn more about the specific eligibility criteria and to see if you qualify, please visit our membership page. If you're ready to take the next step towards becoming part of our family, feel free to reach out at (803) 732-5000. We're here to help guide you through the simple account opening process! Visit us at 2651 Clemson Rd Columbia Sc 29229 and experience the supportive environment that awaits you.

Business Banking & Commercial Services

Business Loans That Fuel 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.

Merchant Services That Simplify Transactions

Imagine having a reliable partner that makes processing payments easy and efficient. Our merchant services help you accept payments seamlessly, whether in-store or online. From credit card processing to point-of-sale systems, we provide the tools you need to keep your cash flow smooth. Come visit us at 2651 Clemson Rd Columbia Sc 29229 in Columbia, SC, or give us a call at (803) 732-5000 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Services

Need cash on the go? Our branch offers ATM services that let you withdraw cash or check balances swiftly. Plus, our basic drive-thru banking makes it simple to handle deposits and withdrawals without leaving your car perfect for busy days when time is tight. At Palmetto Citizens in Columbia, SC, we're dedicated to ensuring that you have the financial tools necessary for success in both personal and professional endeavors. Whether you're just starting out on your financial journey or looking to expand your existing portfolio, we're here for you. Feel free to reach out to us at 803-732-5000 or visit our website at Palmetto Citizens for more information about how we can assist you today!

Business Banking Solutions

For our members who are entrepreneurs or business owners, we provide essential business banking services including merchant services and business loans. These tools can help you manage cash flow efficiently and grow your enterprise without unnecessary hurdles.

Credit Cards & Rewards

Who doesn't love rewards? Our credit cards come with enticing benefits designed to give back to you while you spend. They're perfect for managing expenses while enjoying perks that make every purchase more rewarding.

Online & Mobile Banking

We know convenience matters. That's why our online and mobile banking platforms allow you to access your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and even send money directly to friends and family through our person-to-person payment feature. With features like electronic signatures, e-statements, and mobile payments, managing your finances has never been easier.

Personal Banking

Our personal banking services cater to various everyday needs. From checking and savings accounts that help you manage your daily finances, to specialized auto loans and vehicle financing options tailored to fit your budget, we've got you covered. If you're considering buying a home, our mortgage loans and refinancing services can help make that dream a reality. We also offer personal loans and debt consolidation options for those times when life throws unexpected expenses your way.

Digital & Online Banking

Key Services

With our 24/7 online banking services, you can check your balance, pay bills, and transfer funds whenever it suits you. Just visit us at https://www.palmettocitizens.org/ to get started. Our platform also allows for person-to-person transfers, making it easy to send money to friends or family without any hassle. If you're looking for a greener way to manage your statements, our e-statements are available, offering a secure and convenient alternative to paper statements. Plus, with electronic signature authorization, signing documents is simple and quick no more printing or scanning required!

On-the-Go Features

For those who prefer mobile banking, our dedicated mobile application gives you all the features of online banking right in your pocket. You can even make mobile payments, allowing you to pay for purchases with just a tap on your phone. Imagine having all your financial tools at your fingertips! Our goal is to provide you with real-time account management that keeps pace with your life. At Palmetto Citizens, we prioritize security and ease of use so you can focus on what really matters your financial well-being. Join us today and experience the convenience of modern banking!

Financial Strength

Commitment to 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. Additionally, our lending capacity supports members' financial goals across various sectors with $11,777 in used auto loans and $762,531,192 in total loans and leases.

Member-Centric Savings Solutions

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 Excellence

Our operational efficiency is highlighted by our $4,467,983, which enables 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 dedicated to serving you with a knowledgeable and committed team.

Strong Financial Foundation

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.

Trust Built on Transparency

Total Share Accounts: 195,024, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $16,501 a testament to the resources we have at our disposal to meet your needs. 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 2651 Clemson Rd Columbia Sc 29229 or call (803) 732-5000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 purchasing a brand-new model or a reliable used vehicle, our auto loan options can fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $19,915,206 provide the capital needed to grow and expand. We understand that every business is different; thus, we tailor our lending solutions to meet your specific requirements. At Palmetto Citizens in Columbia, SC (2651 Clemson Rd), we're here to support you through every step of your financial journey. You can reach us at 803-732-5000 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how we can assist you in reaching your financial aspirations!

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 provide personalized assistance throughout the process to ensure you find the right mortgage solution for your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $81,898,269 helping members navigate their finances effectively. With no collateral required, you can focus on what matters most without the worry of securing additional assets.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh empowers users to make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence is based on the latest results, as outlined on the NCUA's official website (Source: https://www.ncua.gov ). By relying on verified financial institutions, LendMesh guarantees that users receive fair and transparent offers. One key benefit of using LendMesh is its Verified Data feature. All loan offers are sourced from legitimate financial institutions, ensuring that users can trust the information they receive. Furthermore, LendMesh maintains its integrity by offering No Sponsored Listings. Unlike other platforms that prioritize lenders based on paid promotions, LendMesh focuses solely on providing unbiased results for all users. Additionally, LendMesh provides Real-Time Rate Comparisons, which means users have access to up-to-date loan rates from multiple institutions. This allows individuals to compare options quickly and easily, leading to more informed decisions about their financial future. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial illustrates how effective and user-friendly the platform is. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

PALMETTO CITIZENS FEDERAL CREDIT UNION