Palmetto Citizens Credit Union Irmo SC | Affordable Vehicle Loans & Mortgage Refinancing

Introduction

Welcome to Palmetto Citizens, your trusted financial partner in Irmo, South Carolina! Located at 7816 Broad River Rd, we have been serving our community since 1936 with a commitment to providing exceptional banking services. With over 84,233 members and $1,320,653,111 in total assets, we pride ourselves on being a reliable choice for your personal and business banking needs. At Palmetto Citizens, we understand the importance of community and strive to make a positive impact through our wide range of financial products. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, our dedicated team is here to assist you every step of the way. Under the leadership of CEO Robert Dozier and Board President Steve Hamm, we focus on delivering personalized service that meets your unique financial goals. Our branch is not just a place to manage your money; it's a hub for building relationships and fostering growth. With $97,494,811 in deposits and robust loan offerings totaling 55,019, we empower our members to achieve their dreams be it buying a new car or starting a business. Plus, with cash reserves of $22,197,662, you can trust that your funds are safe with us. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to 7816 Broad River Rd., Irmo, SC 29063. Feel free to reach out to us at 803-732-5000 for inquiries or assistance. Join us at Palmetto Citizens today and discover how we can help you thrive financially! Visit our website at palmettocitizens.org for more information about our services and membership eligibility. Your financial future starts here!

Branch History & Mission

Community Commitment

Our commitment extends beyond financial services; we believe in giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, we work tirelessly to support initiatives that uplift our neighbors in Irmo and beyond. As part of our dedication to accessibility, our branch features ADA-compliant facilities and offers both drive-thru banking and ATM availability for added convenience. While members can visit us at 7816 Broad River Rd, official correspondence should be sent to 7816 Broad River Rd., Irmo, SC 29063.

Join Us

We invite you to become part of our family at Palmetto Citizens. Experience firsthand how we can help you achieve your financial goals while supporting your community. For more information about membership or any of our services, please call us at 803-732-5000 or visit our website. Let's build a brighter future together!

Our Mission

At Palmetto Citizens, our mission is clear: we aim to empower individuals and families through personalized banking solutions that promote financial stability and growth. Whether it's through checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards, we strive to offer services that enhance our members' lives. We understand that banking is not just about transactions; it's about building relationships. That's why we prioritize customer service in every interaction. Our team is dedicated to helping you navigate your financial journey with ease and confidence. We also embrace technology with features like online banking and mobile payments, making it simpler than ever for you to manage your finances on-the-go.

Branch Location & Accessibility

Accessibility Features

We understand that convenience is key. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps so everyone can easily visit us. Plus, ample parking is available for all our members.

Call to Action

We invite you to come visit us at Palmetto Citizens! If you have any questions or need assistance before stopping by, feel free to give us a call at 803-732-5000. Your financial journey is important to us, and we look forward to serving you soon!

Operating Hours and Services

Stop by during our friendly operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, and on Fridays from 9:00 AM to 6:00 PM. Whether you prefer face-to-face interactions or online banking, we offer a variety of services tailored to fit your lifestyle. From checking and savings accounts to mortgage loans and credit cards with rewards, there's something for everyone. For those on the go, we also have drive-thru banking available for deposits and withdrawals, making it even easier to manage your finances without having to step inside. And if you need cash quickly, our ATM is ready for you anytime.

Member Eligibility

Becoming a member of Palmetto Citizens is like joining a close-knit family where your financial well-being is the priority. If you live, work, or worship in certain areas of South Carolina, you may qualify for membership, making it easy to tap into a range of personalized services designed just for you. We welcome individuals from various backgrounds, and our inclusive approach means there's likely a path for you to join our community. For more detailed information about eligibility requirements, feel free to explore our website at http://www.palmettocitizens.org/membership . Once you're ready to take the next step towards membership, opening an account with us is simple and straightforward. Our friendly staff at 7816 Broad River Rd Irmo Sc 29063 are here to guide you through the process and answer any questions you might have. You can reach us at (803) 732-5000, and we're happy to assist you during our operating hours. Joining Palmetto Citizens opens the door to valuable benefits tailored to support your financial journey!

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 being able to invest in new equipment or hire additional staff our loans make it possible.

Non-Member Commercial Loans

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. This means that even if you're not a member yet, you can access the funds you need to fuel your business ambitions.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $19,915,206, we continue to drive economic growth by financing new and expanding businesses. Our dedicated team is here to guide you through the loan process, ensuring you find the right fit for your financial goals. Additionally, our merchant services streamline payment processing so you can focus on what matters most running your business. Imagine effortlessly accepting credit card payments from your customers while tracking sales all in one place. Join us at Palmetto Citizens, located at 7816 Broad River Rd Irmo Sc 29063, Irmo, SC, and let's work together to turn your business dreams into reality! For more information, give us a call at (803) 732-5000.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick access to cash? Our ATM services let you withdraw funds or check balances without stepping inside the branch. Additionally, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions all from the comfort of your vehicle. At Palmetto Citizens, we believe in providing accessible financial solutions that cater to both personal and business needs while ensuring you have digital tools at your fingertips. If you're ready to explore how we can assist you further, give us a call at (803) 732-5000 or visit us at our branch in Irmo, SC. We look forward to being part of your financial journey!

Convenient Digital Banking

In today's busy world, convenience matters. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With capabilities like mobile payments and person-to-person transfers, handling your finances has never been easier.

Credit Cards and Business Banking

For those who enjoy rewards, our credit cards with rewards provide a way to earn points on everyday purchases. And if you're a business owner, our business banking services, including merchant services and business loans, can help you grow your enterprise. From cash flow management to equipment financing, we have solutions tailored specifically for businesses.

Loans and Financing

If you're looking for financing options, we've got you covered. Our auto loans and vehicle financing help you get behind the wheel of your dream car without breaking the bank. We also offer mortgage loans and refinancing options for those ready to buy a home or lower their monthly payments. For unexpected expenses or projects, consider our personal loans and debt consolidation services, which can simplify your finances by combining multiple debts into one manageable payment.

Personal Banking

When it comes to managing your money, we provide various options to suit your lifestyle. Our checking and savings accounts are designed for everyday needs, whether you're saving for a big purchase or just want easy access to your funds. Imagine having the ability to set up automatic transfers into your savings account, making it easier than ever to reach your financial goals.

Digital & Online Banking

Accessibility and Ease of Use

At Palmetto Citizens, we prioritize accessibility. Our digital banking services are designed for everyone, so you don't have to be tech-savvy to navigate them. The intuitive layout of our mobile app makes it easy for anyone to use. Plus, if you ever have questions or need assistance, our friendly staff is just a phone call away at (803) 732-5000. Embrace the ease of real-time account management with Palmetto Citizens's digital banking services. We're committed to providing you with the tools you need for a smooth banking experience because managing your money should be as simple as possible!

Key Features

Our online banking system is user-friendly and secure, ensuring that your personal information is always protected. You can quickly sign documents electronically with our electronic signature authorization feature, eliminating the need for paper forms. Plus, our e-statements allow you to view your account statements online, making it easy to keep track of your financial activity while reducing clutter. For those who prefer banking on the go, our mobile application is available for download. It not only supports mobile payments but also enables person-to-person transfers, allowing you to send money to friends and family instantly. Whether you're out shopping or catching up with friends, you can manage your finances directly from your smartphone.

Financial Strength

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 Efficiency

Our $4,467,983 reflects our operational efficiency, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

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 commitment to growth is evident in our lending capacity boasting $11,777 in used auto loans and $762,531,192 in total loans and leases supporting members' 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.

Trustworthy Growth

Total Share Accounts stand at 195,024, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments reach $16,501, further affirming our commitment to your financial success. 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 7816 Broad River Rd Irmo Sc 29063 or call (803) 732-5000 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $194,353,529 in used vehicle loans and $62,931,710 in new vehicle loans, helping members get on the road with confidence. Whether you're eyeing a brand-new model or a reliable used car, our financing options make it easier than ever to drive away happy.

Credit Lines and Other Services

In addition to these offerings, we provide credit lines totaling $453,310,400, giving our members the flexibility they need for unexpected expenses or planned purchases. Our team is dedicated to finding solutions that work best for you. If you're interested in refinancing your current loans or want to learn more about eligibility options for any of our products, please reach out to us. Our knowledgeable staff at Palmetto Citizens is ready to assist you in navigating your borrowing options. You can visit us at our branch located at 7816 Broad River Rd., Irmo, SC 29063, or give us a call at 803-732-5000 during our operating hours: Monday through Thursday from 9:00 AM - 5:00 PM and Friday from 9:00 AM - 6:00 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. At Palmetto Citizens, we're dedicated to providing exceptional service and support as you take steps toward your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $114,570,568. We make buying or refinancing simple and accessible. With competitive interest rates and personalized service, we are here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes require extra help. That's why we offer flexible terms on unsecured credit card loans, with a total of $81,898,269 in loans helping members manage their finances effectively. Enjoy the peace of mind that comes with having access to funds when you need them most.

Loan Aggregator

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PALMETTO CITIZENS FEDERAL CREDIT UNION