Palmetto Citizens Credit Union West Columbia SC | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Palmetto Citizens, your trusted financial partner since 1936! Located at 2120 Sunset Blvd, West Columbia, SC 29169, our branch is dedicated to serving the needs of our community with integrity and care. With over 84,233 members and total assets exceeding $1.32 billion, we pride ourselves on being a solid foundation for your financial journey. At Palmetto Citizens, we understand that every member's financial goals are unique. Whether you're looking for personal banking solutions such as checking and savings accounts, auto loans, or mortgage refinancing, we are here to provide guidance and support. Our commitment to excellent service is reflected in our team of 315 employees, led by CEO Robert Dozier and Board President Steve Hamm. While you can visit us at our branch for all your banking needs, any official correspondence can be sent to our mailing address: 2120 Sunset Blvd., West Columbia, SC 29169. With total deposits amounting to $97,494,811 and cash in hand of $22,197,662, we ensure that your money is safe and accessible when you need it. Our wide array of services also includes business banking options like merchant services and business loans making us a comprehensive choice for both personal and commercial financial needs. Join us today and experience the difference that comes from working with a credit union that truly cares about its members. For more information or to speak with one of our friendly representatives, give us a call at 803-732-5000 or visit us online at Palmetto Citizens. Let's build a brighter financial future together!

Branch History & Mission

Join Us!

As we look ahead to the future, we invite you to become part of our story at Palmetto Citizens. Whether you're seeking new financial opportunities or looking for a supportive community partner, you will find it here with us. Visit our website at Palmetto Citizens or call us at 803-732-5000 for more information on how you can join our growing family. Experience the difference that comes from being part of something special!

Our Journey

The journey of Palmetto Citizens began with a simple yet powerful idea: to provide accessible financial services to the community. Over the decades, we have evolved significantly, adapting to the changing needs of our members while staying true to our core values. Today, our total assets stand at an impressive $1,320,653,111, reflecting the trust and confidence placed in us by our valued members. As we grew, so did our commitment to innovation and service. We've embraced digital advancements that make banking easier and more convenient. Our members can enjoy features like online banking, mobile payments, and e-statements all designed with their needs in mind.

Our Mission

Our mission is clear: we aim to enhance the financial well-being of our members while making a positive impact in our community. We offer a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. But beyond just numbers and services, we believe in giving back. Through various outreach programs and partnerships within West Columbia and surrounding areas, we strive to uplift those around us. While members can visit us at 2120 Sunset Blvd, official correspondence should be sent to the same address as our mailing address: 2120 Sunset Blvd., West Columbia, SC 29169. We are open Monday through Thursday from 9:00 AM to 5:00 PM and on Friday from 9:00 AM to 6:00 PM. For those who prefer convenience on the go, we also have an ATM available and a drive-thru service for quick transactions.

Branch Location & Accessibility

A Range of Services at Your Fingertips

At Palmetto Citizens, we offer a variety of services tailored to meet your needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards there's something for everyone. Need quick cash? Our ATM is available on-site for easy withdrawals and balance checks. Prefer to do your banking from the comfort of your car? Take advantage of our drive-thru service for deposits and simple transactions.

Convenient Access

Getting to us is a breeze! Our location offers ample parking, ensuring that you have a hassle-free experience when you visit. Plus, we take accessibility seriously; our branch is equipped with ADA-compliant features so that everyone can enjoy our services comfortably.

Operating Hours That Fit Your Schedule

We understand that life can be busy. That's why we're here for you Monday through Thursday from 9:00 AM to 5:00 PM, and on Fridays until 6:00 PM. Whether you're stopping by for personal banking or need assistance with loans and financial advice, our friendly team is ready to help during these hours.

Stay Connected

If you have any questions or need assistance, don't hesitate to give us a call at 803-732-5000. Our dedicated staff is always ready to assist you. While members can visit us at 2120 Sunset Blvd, official correspondence should be sent to the same address. We invite you to come see how Palmetto Citizens can make banking easier for you! Stop by today we're excited to welcome you into our community!

Member Eligibility

At Palmetto Citizens, we believe that joining our community means becoming part of something special, where your financial needs and dreams are understood and supported. To become a member, you simply need to meet a few friendly eligibility criteria. If you're a resident or employee in the areas we serve, or if you have family members who are already part of our credit union, you're likely eligible! We welcome individuals from all walks of life, and our goal is to make banking accessible for everyone. Plus, being a member comes with fantastic benefits like competitive rates on loans and savings accounts, personalized service, and access to exclusive products designed just for you. Getting started is easy! You can find all the detailed eligibility information at http://www.palmettocitizens.org/membership . Once you're ready to take the next step, opening an account is straightforward just give us a call at (803) 732-5000 or stop by our branch located at 2120 Sunset Blvd West Columbia Sc 29169. We're excited to help you join our family and support your financial journey!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

Imagine being able to accept payments effortlessly from your customers. Our merchant services provide practical solutions that streamline transactions, allowing you to focus on what matters most growing your business. With tools that enable easy payment processing, you can enhance customer satisfaction while improving your cash flow. Located at 2120 Sunset Blvd West Columbia Sc 29169, West Columbia, SC, our team is ready to assist you with the financial products that fit your unique needs. Reach out at (803) 732-5000 or visit us today!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessing Our Services

At Palmetto Citizens, we prioritize accessibility. Whether you prefer handling your banking online or visiting us in person during our lobby hours from 9:00 AM - 5:00 PM Monday through Thursday and 9:00 AM - 6:00 PM on Fridays, we've got you covered. If you have any questions or need assistance, don't hesitate to reach out! You can call us at 803-732-5000 or visit our website at palmettocitizens.org for more information. Join us at Palmetto Citizens where your financial well-being is our priority!

Business Banking Services

For our business members, we offer tailored solutions that support growth and success. Our Business Banking services include merchant services that make transactions smooth and efficient, along with various types of Business Loans to help finance your ventures.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in top-notch digital banking features. With our Online & Mobile Banking, you can manage your accounts anytime, anywhere. Need cash? Our ATMs provide easy access for withdrawals and balance checks. You can also perform simple transactions at our drive-thru service perfect when you're short on time!

Personal Banking Solutions

We understand that managing your finances can be overwhelming. That's why we offer Personal Banking services, including checking and savings accounts designed to help you save effectively and manage your daily expenses with ease. Need a new car? Our Auto Loans & Vehicle Financing options can get you behind the wheel without breaking the bank. If you're thinking about buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services are here to guide you through every step. When life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options provide quick access to funds to help you stay on track. Plus, with our Credit Cards with Rewards, you can earn points for every purchase, turning everyday spending into valuable rewards.

Digital & Online Banking

Key Features

Our platform includes essential features like e-statements, which help you stay organized without the clutter of paper documents. You can also enjoy the convenience of person-to-person transfers, making it simple to send money to friends or family quickly and securely. If you're always on the go, our mobile application is perfect for you. It allows you to take care of your banking right from your smartphone. Need to make a quick payment? With our mobile payments feature, you're covered! And don't worry about signing forms; we support electronic signature authorization for a hassle-free experience.

Security and Support

Your security is our top priority. We use advanced technology to protect your personal information while ensuring a user-friendly experience. Our dedicated team is always here to help if you have any questions or need assistance with any of our digital services. In summary, at Palmetto Citizens, we strive to provide an easy-to-use online banking experience that keeps you in control of your finances. Explore all that we have to offer today by visiting us at https://www.palmettocitizens.org/ and discover how we can make banking work for you!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 195,024, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $16,501, further underscoring our commitment to supporting 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 2120 Sunset Blvd West Columbia Sc 29169 or call (803) 732-5000 to learn more about how we can help you achieve your financial goals.

Member Savings Securely Managed

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 in Your Future

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.

Solid 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 competitive rates to make purchasing your next vehicle straightforward and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $19,915,206 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are committed to supporting their financial needs.

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 are here to guide you through the process and help you secure the best possible terms for your mortgage.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options available that may lower your payments or shorten your loan term. Be sure to ask about our eligibility requirements during your consultation. We pride ourselves on our commitment to our members' financial well-being. For any questions regarding our loan offerings or if you want to discuss your eligibility further, feel free to reach out at 803-732-5000 or visit us at 2120 Sunset Blvd West Columbia SC 29169. 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 helping you take control of your financial future!

Unsecured Credit Card Loans

Managing finances effectively can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $81,898,269 in loans helping members navigate their everyday expenses. With our credit cards, you can enjoy rewards and benefits that suit your lifestyle.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to sourcing data from reputable institutions guarantees fair and transparent offers for all users.

PALMETTO CITIZENS FEDERAL CREDIT UNION