Palmetto First Credit Union Florence SC | Affordable Auto Loans & ATM Access

Introduction

Welcome to Palmetto First, where our commitment to serving the Florence community is at the heart of everything we do. Located conveniently at 108 Pamplico Hwy, Florence, SC 29505, we have been dedicated to providing exceptional financial services since our establishment in 1953. With a strong foundation built on trust and reliability, we proudly serve over 6,339 members who count on us for their personal and business banking needs. At Palmetto First, we understand that every member has unique financial goals. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. With total assets of $57,920,219 and total deposits reaching $7,790,820, we are well-equipped to support our members' journeys toward financial success. Our leadership team is passionate about community engagement. CEO Angela Burr and Board President Kathryn Roach lead a dedicated staff of 15 employees, all working together to ensure that your experience with us is nothing short of excellent. Whether you need assistance at our branch or prefer online banking options through our website at palmettofirst.com, we are here to help. While members can visit us at our main location for all your banking needs, official correspondence should be sent to the same address: 108 Pamplico Hwy, Florence, SC 29505. You can reach us directly at 843-664-0935 for any inquiries or assistance. Join us today and discover how Palmetto First can help you achieve your financial goals with personalized service and a community-focused approach. We look forward to welcoming you!

Branch History & Mission

At Palmetto First, we take pride in our rich history and commitment to serving the community of Florence, SC. Since our doors opened in 1953, we have been dedicated to providing personalized financial services that empower our members. Located at 108 Pamplico Hwy, Florence, SC 29505, our branch has become a trusted partner for thousands in the area. Over the years, we have grown significantly from our humble beginnings. With a current membership of 6,339 and total assets exceeding $57,920,219, Palmetto First has evolved into a vital part of Florence's financial landscape. Our mission is simple yet profound: to enhance the financial well-being of our members while actively supporting and uplifting our community. As we reflect on our journey, we recognize key milestones that have shaped us. We have embraced digital advancements that make banking easier for you. Our online banking services allow you to manage your accounts anytime, anywhere. Additionally, with ADA compliance in mind, we strive to ensure all members can access our services comfortably. Community involvement is at the heart of what we do. We believe in giving back through partnerships and outreach programs designed to support local initiatives. Whether it's sponsoring events or providing financial education workshops, Palmetto First is committed to making a positive impact in Florence and beyond. Our operating hours are designed with your convenience in mind: - Lobby Hours: Monday - Thursday from 9:00 AM to 5:00 PM; Friday from 9:00 AM to 5:30 PM - Drive-Thru Service: Monday - Thursday from 8:30 AM to 5:00 PM We also offer ATM access for quick transactions whenever you need them. While members can visit us at 108 Pamplico Hwy, official correspondence should be sent to the same address as there is no separate mailing address. At Palmetto First, we are more than just a credit union; we are a community partner dedicated to helping you achieve your financial goals. Whether you are looking for personal banking solutions like checking accounts and auto loans or business banking services, we have something for everyone. Join us today and experience the difference that comes from being part of a member-focused credit union that truly cares about you! For more information or to open an account, give us a call at 843-664-0935 or visit our website at Palmetto First. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access for Everyone

At Palmetto First, we believe that banking should be hassle-free. Our location features ample parking and is fully ADA-compliant, ensuring that all members can easily access our services. If you prefer to bank from your car, our drive-thru service offers a quick way to handle deposits and withdrawals without leaving your vehicle.

Operating Hours That Fit Your Schedule

We understand that life can get busy, which is why our lobby hours are designed with your convenience in mind. Visit us Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 5:30 PM. Our drive-thru hours are even more accommodating, opening at 8:30 AM during the week so you can get things done before starting your day.

Services Designed for You

Our branch offers a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. Plus, with ATM availability right on-site, accessing your funds is easier than ever. If you need any assistance or have questions about our services, feel free to give us a call at 843-664-0935. We're here to help!

Visit Us Today!

While members can visit us at our convenient location on Pamplico Hwy, official correspondence should be sent to the same address. We invite you to stop by Palmetto First today and experience personalized banking like never before!

Member Eligibility

At Palmetto First, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us is simple and welcoming! To become a member, you need to meet a few criteria, which typically include living, working, or worshipping in the Florence area. We are dedicated to helping our members thrive by offering personalized financial services that cater to your unique needs. Ready to take the next step? You can find all the detailed eligibility information on our website at Palmetto First. If you're ready to open an account, simply visit our easy-to-use application page at Account Opening. If you have any questions or need assistance, don't hesitate to give us a call at 843-664-0935. We're here for you every step of the way!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, we provide essential merchant services designed to simplify your operations. Picture this: your customers can pay easily with various payment methods while you manage transactions effortlessly. Our services ensure that you can focus on what matters most growing your business. If you're located near us at 108 Pamplico Hwy Florence Sc 29505, Florence, SC 29505, don't hesitate to reach out at (843) 664-0935. Let's explore how we can partner together to turn your business dreams into reality!

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have specific figures for commercial loans, we are dedicated to helping local entrepreneurs achieve their goals. Imagine having access to flexible financing options that allow you to invest in new equipment, hire staff, or even open a new location. This is what our commercial loans can offer.

Comprehensive List Of Services

ATM & Drive-Thru Services

We ensure easy access to your cash with our ATM services available right here at the branch. Need assistance? Our drive-thru banking offers quick service for deposits, withdrawals, and other simple transactions without leaving your car. At Palmetto First, we're committed to serving our community with exceptional financial products and personalized service. If you're interested in any of these services or have questions about how we can help you achieve your financial goals, please don't hesitate to reach out! Call us at (843) 664-0935 or visit us at Palmetto First Fcu - Branch today!

Auto Loans & Vehicle Financing

Thinking about buying a new car? At Palmetto First, we offer competitive auto loans and vehicle financing solutions. You can drive away knowing that you received the best rates available. Picture yourself hitting the road in a reliable vehicle, all while staying within your budget thanks to our flexible loan terms.

Business Banking Services

If you're a business owner, we have solutions tailored just for you. From merchant services that simplify transactions to business loans designed to fuel growth, we understand what businesses need to thrive in today's market.

Credit Cards with Rewards

Maximize your spending power with our credit cards that come with rewards! Enjoy perks like cashback or points for travel every time you swipe your card. It's a great way to earn benefits while making everyday purchases.

Mortgage Loans & Refinancing

For those ready to settle into their dream home, our mortgage loans and refinancing options can help turn that dream into reality. We understand how important it is to find the right loan for your situation. Whether you're purchasing your first home or refinancing an existing mortgage, our team is here to guide you through every step of the process.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Palmetto First offers robust online and mobile banking services. Manage your accounts from anywhere check balances, transfer funds, and pay bills all at your fingertips!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine having easy access to your funds whenever you need them, whether it's for everyday purchases or saving for that special occasion. Our checking and savings accounts come with features that make managing your money simple and convenient.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services to help ease financial burdens. Whether you need funds for medical bills, home improvements, or consolidating debt into one manageable payment, we're here to assist you.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our user-friendly online banking platform available at https://palmettofirst.com/, you can check balances, transfer funds, and pay bills all in one place. Plus, our electronic signature authorization makes it simple to complete transactions without any hassle. If you're looking to stay organized, e-statements are available to help you keep track of your financial activities without the clutter of paper. For those who prefer mobile convenience, our mobile application lets you bank right from your smartphone. You can make person-to-person transfers easily, allowing you to send money to friends or family instantly. Although we currently do not offer mobile payments, our app provides everything else you need for real-time account management.

Security and Accessibility

Your security is our top priority. We utilize robust security measures to protect your personal information while providing a convenient way to handle banking tasks. With 24/7 online banking services available, you can rest assured that your accounts are accessible anytime, anywhere. At Palmetto First, we're committed to making banking as easy and efficient as possible for you. Whether you're at home or on the move, our digital banking services ensure that managing your money is just a click away. Explore all these features today and see how we can enhance your banking experience!

Financial Strength

Member-Centric Savings Opportunities

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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

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 commitment extends to lending capacity as well; with $1,081 in used auto loans and $37,371,199 in total loans and leases, we support your financial goals across various sectors.

Solid Financial Health

With a net worth of $11,626,459, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,002 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $25,624. Total Share and Deposit Accounts: 11,288, showing a strong and growing member base that trusts us with their finances. 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 108 Pamplico Hwy Florence Sc 29505 or call (843) 664-0935 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Information

If you're considering refinancing or looking into eligibility options for any of our loan products, don't hesitate to ask. Our team is here to help you navigate these choices effectively. For more details about our services or to apply for a loan online, visit us at Palmetto First. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to support your financial journey reach out today!

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 purchasing a brand-new model or a reliable used vehicle, our financing options make it straightforward and affordable.

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 guide you through the process and help ensure that you find a solution that fits your budget.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, which currently total $0. These cards can provide an excellent way to build your credit while enjoying the flexibility of easy payments.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. 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 reflects the real value that LendMesh brings to its users. 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.

How LendMesh Ensures 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 regulatory compliance ensures that all loan offers are fair and transparent. By only featuring legitimate lenders, LendMesh guarantees that users have access to trustworthy information when comparing their options.

Palmetto First