Palmetto First Credit Union Florence SC | Best Auto Loans & Business Banking

Introduction

Welcome to Palmetto First, your trusted financial partner since 1953! Located at 1722 Gregg Ave, Florence, SC 29501, we have proudly served our community for decades, providing financial solutions tailored to meet the needs of our members. With a total membership of 6,339 and assets amounting to an impressive $57,920,219, we are committed to helping you achieve your financial goals. At Palmetto First, we understand that life can be unpredictable. That's why we offer a variety of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking options. Whether you're looking to purchase a new vehicle or need assistance with debt consolidation, we're here to guide you every step of the way. While members can visit us at our branch location in Florence, official correspondence should be sent to our mailing address at PO Box 3989, Florence, SC 29502. Our dedicated team of 15 employees, led by CEO Angela Burr and Board President Kathryn Roach, strives to provide exceptional service and support to each member. With total deposits reaching $7,790,820 and cash in hand totaling $1,520,457, we prioritize your financial safety and security. Our strong net worth of $11,626,459 reflects our commitment to maintaining a stable and reliable institution for all your banking needs. We invite you to explore all that Palmetto First has to offer by visiting our website at palmettofirst.com. If you have any questions or would like assistance, don't hesitate to reach out via phone at 843-669-5619. Join us today and discover how we can help you secure a brighter financial future!

Branch History & Mission

Community Engagement

Our commitment extends beyond banking services; it encompasses active involvement in community outreach efforts. We partner with local organizations and participate in events that uplift and strengthen our neighborhood. This is more than just business for us; it's about making a real difference in people's lives. We understand the importance of keeping pace with modern advancements while maintaining accessibility for everyone. That's why we've embraced digital banking options such as online banking and mobile applications making it easier for you to manage your finances anytime, anywhere.

Join Us

As we continue to grow and evolve, we invite you to become part of the Palmetto First family. Experience firsthand how we blend traditional values with innovative solutions designed for your financial success. Reach out today at 843-669-5619 or visit us online at Palmetto First to learn more about membership opportunities. Together, let's build a brighter future for you and our wonderful Florence community!

Our Mission

At Palmetto First, our mission is clear: we strive to empower individuals and families through accessible financial solutions while actively supporting the local community. We offer a range of services including personal banking accounts, auto loans, mortgage options, and credit card rewards programs. Our goal is to help members achieve their financial dreams while making impactful contributions to the community around us. As we operate from our central location in Florence, we ensure that every member feels valued and supported. Whether you are visiting us during our lobby hours or utilizing our drive-thru service, we are dedicated to providing personalized service that meets your needs. While members can visit us at 1722 Gregg Ave, official correspondence should be sent to PO Box 3989, Florence, SC 29502.

Branch Location & Accessibility

Accessibility and Features

At Palmetto First, we believe that banking should be easy for everyone. Our branch offers ample parking and features that comply with ADA standards, ensuring accessibility for all members. You can stop by our drive-thru for quick transactions without leaving your vehicle. Plus, we have an ATM available for your convenience, making cash withdrawals and balance checks a breeze.

Connect with Us

While members can visit us at our physical address, any official correspondence should be sent to PO Box 3989, Florence, SC 29502. If you have any questions or need assistance, don't hesitate to call us at 843-669-5619. We look forward to welcoming you at Palmetto First! Come see how we can help you achieve your financial goals today.

Operating Hours

We're here to serve you during the week! Our lobby hours are from 9:00 AM to 5:00 PM Monday through Thursday, and we extend our Friday hours until 6:00 PM. Drive-thru services are available from 8:30 AM to 5:00 PM Monday through Thursday, and again until 6:00 PM on Fridays. This flexible schedule allows you to choose a time that works best for you!

Member Eligibility

Becoming a member of Palmetto First is more than just opening an account; it's about joining a friendly community that truly cares about your financial well-being. At our branch, located at 1722 Gregg Ave Florence Sc 29501, we welcome individuals who share our values and commitment to building a better financial future together. Whether you live, work, worship, or attend school in the area, you're likely eligible to join us! We believe in making banking accessible for everyone, so if you have any questions about your eligibility or the application process, don't hesitate to reach out at (843) 669-5619. To make things even easier, opening your account with us is a simple and straightforward process. Just visit our website for more details on how to get started: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad_tmqeugnqzsf916ztzunneqijhchn8iixmu25deud1qbgh6iz8hxneevmiejiij5g . If you want to learn more about the specific eligibility criteria, feel free to check out this resource: . We can't wait to welcome you into our family at Palmetto First!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to our loan offerings, we provide merchant services that simplify payment processing for your customers. Imagine running a busy café where transactions are swift, allowing you to focus on delivering great service instead of worrying about payment hassles. Our solutions streamline your operations, making everyday tasks easier so you can concentrate on what matters most your business. Visit us at 1722 Gregg Ave Florence Sc 29501 in Florence, SC or call us at (843) 669-5619 to discover how we can partner with you for success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For small business owners, Palmetto First offers tailored business banking solutions such as merchant services and business loans designed to fuel growth. We understand the unique challenges businesses face and aim to provide solutions that help you thrive.

Convenient Banking Access

Our drive-thru service makes it easy for members to handle deposits, withdrawals, and simple transactions without leaving their cars perfect for busy days! Plus, with our basic ATM access for withdrawals and balance checks, managing your finances has never been simpler. If you're ready to explore these services further or have questions about how we can assist you in achieving your financial goals, don't hesitate to reach out! Call us at (843) 669-5619 or visit us in person at 1722 Gregg Ave Florence Sc 29501. At Palmetto First, we're here to support your journey toward financial well-being!

Flexible Personal Loans

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you can tackle those financial challenges head-on. Whether it's for medical bills or home repairs, we're here to help make those burdens lighter.

Home Ownership Made Easy

For those dreaming of owning a home, our mortgage loans and refinancing options can turn that dream into reality. We work closely with you to navigate the mortgage process, ensuring you receive personalized service every step of the way.

Personal Banking Solutions

Managing your money should be straightforward and accessible. That's why at Palmetto First, we offer comprehensive personal banking options, including checking and savings accounts that fit different lifestyles. Imagine easily accessing your funds through our online and mobile banking services, allowing you to check balances, transfer money, and pay bills right from your smartphone or computer. Our ATM services also provide hassle-free cash withdrawals whenever you need them.

Rewarding Credit Options

Our credit cards come with rewards that allow you to earn while you spend. This means every purchase brings you closer to exciting perks!

Vehicle Financing

Thinking about purchasing a new car? We understand that buying a vehicle is an important decision, so we provide competitive auto loans and vehicle financing options. With our flexible terms and affordable rates, you can find the perfect loan that fits your budget without added stress.

Digital & Online Banking

Key Features

With our online banking platform available at https://palmettofirst.com/ , you can check your account balances, view transaction history, and transfer funds all from the comfort of your computer or mobile device. For added convenience, our mobile application is also available, putting the power of banking right in your pocket. You can make person-to-person transfers easily and securely, so sending money to friends or family is just a tap away. We prioritize security with features like electronic signature authorization, ensuring that your transactions are protected every step of the way. Plus, our 24/7 online banking service means that you can access your accounts whenever it suits you best no more rushing to the bank before closing time!

Stay Organized

To help keep track of your financial health, we provide e-statements that are not only eco-friendly but also make it easier to manage your records. You can view these statements anytime without waiting for them to arrive in the mail. While mobile payments may not currently be an option at Palmetto First, we remain committed to enhancing our services to meet your needs. Our goal is to ensure that banking is straightforward and efficient for all our members. In short, whether you're looking to handle daily transactions or keep tabs on your savings, Palmetto First has got you covered with user-friendly digital solutions designed just for you!

Financial Strength

A Growing Community

We have a total of 11,288 share accounts, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $25,624, further emphasizing our commitment to supporting your needs. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Palmetto First is your trusted partner. Visit us at 1722 Gregg Ave Florence Sc 29501 or call (843) 669-5619 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.*

Commitment to Growth

With $10,629,301 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our total loans and leases amount to $37,371,199, including $1,081 in used auto loans. This lending capacity supports your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $1,965,442 in share certificates and $7,911,944 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 $856,458 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 14 full-time employees and 1 part-time employees who are always ready to assist you with expertise and dedication.

Solid Financial Foundation

With a net worth of $11,626,459, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,002 showcases 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 $14,566,401 in used vehicle loans and $6,060,220 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used option, we have solutions for both.

Credit Lines

For those who want flexibility in managing expenses, our credit lines totaling $6,000,000 can be a great choice. They allow you to access funds as needed while maintaining control over your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,452,683, make buying or refinancing simple. We provide guidance throughout the process to ensure you feel confident every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans; however, currently there are no available loans in this category. If you're interested in learning more about future offerings or alternatives, don't hesitate to reach out. If you're considering refinancing any existing loans or exploring eligibility options for our various products, please contact us at 843-669-5619. We're here to assist you in navigating your choices and finding the right fit for your financial situation. 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 First, we believe that understanding your options is key to making informed decisions. Visit us at 1722 Gregg Ave Florence Sc 29501 or check out our website at palmettofirst.com for more details on how we can help with your lending needs!

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PALMETTO FIRST FEDERAL CREDIT UNION