Palmetto Citizens Credit Union Lexington SC | Low Mortgage Rates & Top Auto Loans

Introduction

Welcome to Palmetto Citizens at our branch located at 1835 S Lake Dr, Lexington, SC 29073! Since our establishment in 1936, we have proudly served our community with a commitment to providing exceptional financial services tailored to meet the needs of our members. With over 84,000 members and total assets exceeding $1.32 billion, we are dedicated to fostering financial wellness and supporting local growth. At Palmetto Citizens, your trust is paramount. We understand that every member's journey is unique, which is why we offer a diverse range of services from personal banking options like checking and savings accounts to auto loans, mortgages, and business banking solutions. Our total deposits stand at an impressive $97,494,811, showcasing the confidence our members place in us. Our leadership team, led by CEO Robert Dozier and Board President Steve Hamm, ensures that we operate with integrity and transparency. Together with a dedicated staff of 315 employees, we strive to create a welcoming environment where every interaction matters. While you can visit us directly at our branch for all your banking needs, any official correspondence can be sent to the same address: 1835 S Lake Dr, Lexington, SC 29073. For more information about our services or to become a member, feel free to explore our website at Palmetto Citizens or give us a call at 803-779-1232. Join us today and experience the Palmetto difference where community meets opportunity!

Branch History & Mission

Join Us

We invite you to become part of the Palmetto Citizens family. Experience firsthand how we blend quality financial services with community spirit. Together, let's build a brighter future for Lexington! For more information about membership eligibility or to explore our services further, please visit our website.

Our Evolution

Since opening our doors, Palmetto Citizens has seen remarkable growth. With total assets now exceeding $1.3 billion, we have expanded our offerings to meet the evolving needs of our members. From personal banking solutions like checking and savings accounts to vehicle financing and business loans, our mission has always been to empower our members with the tools they need to achieve their financial goals. Our dedicated team works tirelessly to ensure that each member receives personalized attention and support. We are proud to offer services such as online banking and mobile payments, enabling our members to manage their finances on their terms. Additionally, we maintain a drive-thru service for added convenience, making it easier for members to access their funds without leaving their vehicles.

Our Mission Statement

At Palmetto Citizens, our mission is clear: we strive to provide exceptional financial services while fostering a sense of community. We believe that by supporting our members financially, we can contribute positively to the overall well-being of Lexington. Whether it's through educational workshops on financial literacy or partnerships with local organizations for community outreach programs, we aim to make a lasting impact beyond traditional banking. While members can visit us at 1835 S Lake Dr, official correspondence should be sent to the same address. For any inquiries or assistance, feel free to reach us at 803-779-1232 during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM.

Branch Location & Accessibility

Call to Action

While members can visit us at our branch address for all your banking needs, official correspondence should be sent to the same address: 1835 S Lake Dr, Lexington, SC 29073. We invite you to come by today or give us a call! Experience firsthand how Palmetto Citizens is dedicated to serving you and helping you achieve your financial goals.

Convenient Access

Our location offers plenty of parking options for your convenience, making it easy to stop by and take care of your banking needs. We are proud to be ADA-compliant, ensuring that everyone can access our services comfortably. If you prefer to bank on-the-go, we have an ATM available for quick withdrawals and balance checks.

Operating Hours & Services

We understand that life can get busy, which is why we're here for you during flexible hours. Visit us Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Our team is ready to assist you with a range of personal banking services, including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. For those who enjoy the ease of drive-thru banking, we offer basic services like deposits and withdrawals right from your vehicle. Plus, if you need assistance or have questions about our offerings, don't hesitate to reach out at 803-779-1232.

Member Eligibility

Becoming a member of Palmetto Citizens is like stepping into a warm and welcoming community where your financial needs are prioritized. If you live, work, or worship in the area or have family members who are already part of our credit union, you're likely eligible to join us! We believe that everyone deserves access to friendly financial services and support, making it easier for you to achieve your goals. Plus, as a member of Palmetto Citizens, you can enjoy benefits like competitive loan rates, personalized service, and a variety of banking options tailored just for you. To learn more about the specific eligibility criteria and see if you're a fit for our family, please visit this page. If you're ready to open an account or have any questions, don't hesitate to give us a call at (803) 779-1232. We're here to help every step of the way at our branch located at 1835 S Lake Dr Lexington Sc 29073!

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 tailored options designed to meet your specific needs, we empower entrepreneurs to take bold steps forward.

Merchant Services for Everyday Success

In today's fast-paced environment, efficient payment solutions are essential. Our merchant services help streamline transactions, making it easy for you to serve your customers. Imagine a busy Saturday at your local shop; with our services, accepting payments becomes quick and hassle-free allowing you to focus on what really matters: growing your business.

Our Commitment Continues

With an outstanding commercial loan portfolio of $19,915,206, we continue to drive economic growth by financing new and expanding businesses. At Palmetto Citizens, we're not just your bank; we're your partner in success. Visit us at 1835 S Lake Dr Lexington Sc 29073 in Lexington, SC or call us at (803) 779-1232 to learn more about how we can support your business journey!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those who prefer face-to-face interactions or quick transactions, we provide ATM services that allow for withdrawals and balance checks without stepping inside the branch. Our drive-thru service is available for deposits, withdrawals, and other simple transactions perfect for busy days when time is short. At Palmetto Citizens, we strive to create an environment where financial needs are met with warmth and professionalism. With our variety of services designed for both individuals and businesses, we invite you to reach out at 803-779-1232 or visit us at our branch in Lexington. Experience firsthand how we can help support your financial journey!

Business Banking

For business owners, Palmetto Citizens offers tailored business banking solutions including merchant services and business loans. We aim to support your entrepreneurial journey by providing accessible resources that help your business thrive.

Credit Solutions

In today's world, managing debt is essential. That's where our personal loans and debt consolidation services come into play. We understand that life can throw unexpected expenses your way; therefore, our flexible credit cards come with rewards that benefit you every time you use them.

Digital Banking Features

Our commitment extends beyond traditional banking hours with robust online and mobile banking services. You can access your accounts anytime through our secure online platform or mobile application. Features like person-to-person payments make it easier than ever to send money to friends or family right from your smartphone.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that cater to everyone from students to retirees. For those in need of reliable financing options, our auto loans and vehicle financing help you get behind the wheel without the stress of overwhelming payments. If you're looking to buy a home, our mortgage loans and refinancing options can guide you through the process smoothly.

Digital & Online Banking

Key Features

One of the standout features is our mobile application. This user-friendly app allows you to manage your accounts on the go. You can easily make person-to-person transfers with just a few taps perfect for splitting a dinner bill or sending money to a friend. Plus, if you're out shopping, take advantage of our mobile payments feature to make quick transactions without the hassle of cash or cards. We also prioritize your security with electronic signature authorization for sensitive transactions. This means you can sign documents securely online without needing to visit a branch. Additionally, if you prefer going paperless, our e-statements option gives you instant access to your account statements right from your device. At Palmetto Citizens, we believe in making banking accessible for everyone. Our digital services are designed not only to simplify your banking experience but also to ensure that you feel secure every step of the way. Join us in embracing the convenience of modern banking and discover how easy it can be to manage your finances with confidence!

Financial Strength

A Trusted Partner

Net Shares (Funds available for lending and investments): $16,501. With a strong member base reflected in our total share accounts of 195,024, you can be confident that Palmetto Citizens is here for you now and in the future. 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 1835 S Lake Dr Lexington Sc 29073 or call (803) 779-1232 to learn more about how we can help you achieve your financial goals.

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. Our lending capacity is also impressive: we have $11,777 in used auto loans and a total of $762,531,192 in loans and leases available to support your financial goals across various sectors.

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 who are dedicated to providing exceptional service every day.

Secure Savings Opportunities

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.

Solid 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.

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 tailored to fit your budget and lifestyle.

Credit Lines and Unsecured Credit Card Loans

In addition to auto and mortgage loans, we also provide credit lines totaling $453,310,400 to give you additional flexibility with your finances. For those who prefer a credit card option, our unsecured credit card loans amounting to $81,898,269 help members manage their finances effectively without needing collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $114,570,568, ensuring you have the support needed as you invest in your future.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, we are here to guide you through the process. Refinancing can lead to lower monthly payments or better interest rates let's see how we can assist you. At Palmetto Citizens, we're committed to making lending straightforward and accessible. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Ready to discuss how we can help you achieve your financial aspirations? Visit us at our Lexington branch or call us today!

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