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Palmetto Citizens Federal Credit Union

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Palmetto Citizens Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Palmetto Citizens Federal Credit Union?

Current rates for Palmetto Citizens Federal Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.56%, 24-Month CD: 3.20%, 60-Month CD: 3.04%, Savings: 0.95%, MMA: 1.76%

Q: What CD terms does Palmetto Citizens Federal Credit Union offer?

Palmetto Citizens Federal Credit Union CD rates are 3.92% APY for a 12 month CD, 3.66% APY for an 18 month CD, 3.61% APY for a 2 year CD, 3.40% APY for a 30 month CD and 3.04% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Palmetto Citizens Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Palmetto Citizens Federal Credit Union's CD - 12 month rates are at 3.92%, CD - 18 month rates are at 3.66%, CD - 24 month rates are at 3.61%, CD - 12 month Add rates are at 3.51%, CD - 30 month rates are at 3.40%. Palmetto Citizens Federal Credit Union's savings rates are at 0.95%. Palmetto Citizens Federal Credit Union's money market rates are at 1.76%. Palmetto Citizens Federal Credit Union's checking rates are as high as 0.20%. Palmetto Citizens Federal Credit Union's Auto Loan Rates are as low as 3.99%. Palmetto Citizens Federal Credit Union's Credit Card Rates are at 12.90%. Palmetto Citizens Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Palmetto Citizens Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.34%. Rates last updated and verified on 10/28/2026.

Palmetto Citizens Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Palmetto Citizens Federal Credit Union? Share your experience about Palmetto Citizens Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Palmetto Citizens Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.34%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Palmetto Citizens Federal Credit Union
Palmetto Citizens FCU Administrative

1320 Washington St
Columbia, SC 29201-3382

https://www.palmettocitizens.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Palmetto Citizens Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate - 12 month	3.85%	3.92%	12 Months
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 12 month	3.80%	3.87%	12 Months
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 12 month	3.75%	3.82%	12 Months
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 18 month	3.60%	3.66%	18 Months
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 18 month	3.55%	3.61%	18 Months
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 24 month	3.55%	3.61%	24 Months
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 18 month	3.50%	3.56%	18 Months
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 182 Days	3.50%	3.56%	182 Days
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 24 month	3.50%	3.56%	24 Months
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 12 month Add	3.45%	3.51%	12 Months
Min Balance $250,000 Details Add-To; Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 12 month Youth Add	3.45%	3.51%	12 Months
Min Balance $250,000 Details Youth Add-To; Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 182 Days	3.45%	3.51%	182 Days
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 24 month	3.45%	3.51%	24 Months
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 12 month Add	3.40%	3.45%	12 Months
Min Balance $100,000 Details Add-To; Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 12 month Youth Add	3.40%	3.45%	12 Months
Min Balance $100,000 Details Youth Add-To; Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 182 Days	3.40%	3.45%	182 Days
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 12 month Add	3.35%	3.40%	12 Months
Min Balance $500 Details Add-To; Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 12 month Youth Add	3.35%	3.40%	12 Months
Min Balance $500 Details Youth Add-To; Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 30 month	3.35%	3.40%	30 Months
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 36 month	3.35%	3.40%	36 Months
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 30 month	3.30%	3.35%	30 Months
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 36 month	3.30%	3.35%	36 Months
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 24 Month Step Up	3.25%	3.30%	24 Months
Min Balance $250,000 Details Step Up; Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 30 month	3.25%	3.30%	30 Months
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 36 month	3.25%	3.30%	36 Months
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 24 Month Step Up	3.20%	3.25%	24 Months
Min Balance $100,000 Details Step Up; Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 24 Month Step Up	3.15%	3.20%	24 Months
Min Balance $500 Details Step Up; Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 48 month	3.10%	3.14%	48 Months
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 60 month	3.10%	3.14%	60 Months
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 48 month	3.05%	3.09%	48 Months
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 60 month	3.05%	3.09%	60 Months
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 48 month	3.00%	3.04%	48 Months
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 60 month	3.00%	3.04%	60 Months
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 91 Days	0.85%	0.85%	91 Days
Min Balance $250,000 Details Minimum to earn APY: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 91 Days	0.80%	0.80%	91 Days
Min Balance $100,000 Details Minimum to earn APY: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Certificate - 91 Days	0.75%	0.75%	91 Days
Min Balance $500 Details Minimum to earn APY: $500 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.95%	0.95%
Min Balance $2,000 Details Balance: $2,000+; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Christmas Club	0.25%	0.25%
Min Balance $0 Details Balance: $0; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Health Savings Account	0.25%	0.25%
Min Balance $100 Details Balance: $100-$1,999.99; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
IRA Share Account	0.25%	0.25%
Min Balance $0 Details Balance: $0; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Prime Share (Savings)	0.25%	0.25%
Min Balance $100 Details Balance: $100+; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	1.75%	1.76%
Min Balance $250,000 Details Balance: $250,000+; Minimum balance to avoid fee: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Premium Money Market	1.45%	1.46%
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Minimum balance to avoid fee: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.46% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Premium Money Market	1.40%	1.41%
Min Balance $25,000 Details Balance: $25,000-$99,999.99; Minimum balance to avoid fee: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.41% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Premium Money Market	0.90%	0.90%
Min Balance $0 Details Balance: $0-$24,999.99; Minimum balance to avoid fee: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Money Market Account	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000+; Minimum balance to avoid fee: $2,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Money Market IRA	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000+; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Money Market Account	0.40%	0.40%
Min Balance $0 Details Balance: $0-$24,999.99; Minimum balance to avoid fee: $2,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Money Market Account	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000-$24,999.99; Minimum balance to avoid fee: $2,000; Small Business Savings Rates Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Money Market IRA	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000-$24,999.99; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union Checking Rates

Product	Rate	APY
Premium Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000+; Minimum balance to avoid fee: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Premium Checking	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000-$24,999.99; Minimum balance to avoid fee: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Premium Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500-$4,999.99; Minimum balance to avoid fee: $2,500 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Premium Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500-$2,499.99; Minimum balance to avoid fee: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union Business Checking Rates

Product	Rate	APY
Small Business Checking - Non-Profit	0.01%	0.01%
Min Balance $500 Details Balance: $500+; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Small Business Checking - High Volume	0.00%	0.00%
Details Balance requirement to earn APY: N/A; Minimum balance to avoid fee: $2,000 Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Small Business Checking - Low Volume	0.00%	0.00%
Details Balance requirement to earn APY: N/A; Minimum balance to avoid fee: $0 Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%
Details As Low As; Variable rate tied to Prime (WSJ), plus margin up to 4.00%; maximum APR 18.00%; ten-year draw period, 25-year total term; repayment up to fifteen years if balance is $10,000 & above; second/vacation home term 180 mos; minimum line $5,000 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.75% → 7.00% ▲ 1.25 pts · high 7.00% / low 5.75% Sep 25, 20267.00%▲ from 5.75% Sep 16, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Automobile or Truck (2023-New)	-	-	3.99%	Up to 36 months
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
New & Used Automobile or Truck (2023-New)	-	-	5.50%	37-48 months
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
New & Used Automobile or Truck (2023-New)	-	-	5.55%	49-60 months
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 5.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
New & Used Automobile or Truck (2023-New)	-	-	5.60%	61-72 months
Details As Low As; Amount: $15,000+ Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 5.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Used Automobile or Truck (4-5 years old)	-	-	6.44%	up to 48 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.44% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Used Automobile or Truck (4-5 years old)	-	-	6.44%	up to 72 Months
Details As Low As; Amount: $15,000 and up Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.44% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
New & Used Automobile or Truck (2023-New)	-	-	7.29%	73-84 months
Details As Low As; Amount: $25,000+ Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Used Automobile or Truck (6 years & older)	-	-	7.75%	up to 48 Months
Details As Low As; Amount: under $15,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Used Automobile or Truck (6 years & older)	-	-	7.75%	up to 72 Months
Details As Low As; Amount: $15,000+ Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
New & Used Automobile or Truck (2023-New)	-	-	9.29%	85-96 months
Details As Low As; Amount: $40,000+ Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats, Motors or Trailers Loan	-	6.95%	up to 60 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Used Boats, Motors or Trailers Loan	-	8.25%	up to 48 Months
Details As Low As; Used Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Motorcycle Loan	-	8.75%	up to 60 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Recreational Vehicles Loan	-	9.74%	up to 96 Months
Details As Low As; New; depending on amount financed Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Recreational Vehicles Loan	-	9.79%	up to 84 Months
Details As Low As; Used; depending on amount financed Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.79% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Jet Ski or ATV Loan	-	11.00%	up to 48 Months
Details As Low As; New Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Motorcycle Loan	-	11.00%	up to 48 Months
Details As Low As; Used Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum	-	12.90%
Details Published APR range: 12.90% - 17.90%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Palmetto Citizens Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Farm and Garden Equipment	-	-	11.00%	up to 60 Months
Details As Low As; New Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Farm and Garden Equipment	-	-	12.00%	up to 48 Months
Details As Low As; Used Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Sweep Account	0.12%	-	0.12%
Min Balance $500 Details Balance: $500 - $1,999.99; Minimum balance to avoid fee: $0; Small Business Savings Rates Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Sweep Account	0.21%	-	0.21%
Min Balance $2,000 Details Balance: $2,000 - $24,999.99; Minimum balance to avoid fee: $0; Small Business Savings Rates Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.21% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Sweep Account	0.38%	-	0.38%
Min Balance $25,000 Details Balance: $25,000+; Minimum balance to avoid fee: $0; Small Business Savings Rates Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.38% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Palmetto Citizens Federal Credit Union’s Texas Ratio rose from 2.55% in Q3 2023 to 4.34% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	4.34%	5.0	A+
March 31, 2026	$1.5B	4.16%	5.0	A+
December 31, 2025	$1.4B	4.32%	5.0	A+
September 30, 2025	$1.4B	3.95%	5.0	A+
June 30, 2025	$1.4B	3.35%	5.0	A+
March 31, 2025	$1.4B	3.12%	5.0	A+
December 31, 2024	$1.4B	3.06%	5.0	A+
September 30, 2024	$1.3B	2.78%	5.0	A+
June 30, 2024	$1.3B	2.79%	5.0	A+
March 31, 2024	$1.3B	2.29%	5.0	A+
December 31, 2023	$1.3B	3.01%	5.0	A+
September 30, 2023	$1.3B	2.55%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Palmetto Citizens Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Palmetto Citizens Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Palmetto Citizens Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Palmetto Citizens Federal Credit Union

Website https://www.palmettocitizens.org

Address 1320 Washington St, Columbia, SC 29201-3382

Phone 803-779-1232

Fax 803-376-2674

President Steve Hamm

CEO Robert Dozier

Full-Time Employees 279

Part-Time Employees 19

Branch Locations 17

ATM Locations 43

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.34%

Return on Assets (ROA)

0.7431%

Return on Equity (ROE)

5.5124%

Non-Performing Loans Ratio (NPL)

1.11%

Total Assets

1,496,726,867

Total Amount of Shares and Deposits

1,197,184,288

Total Shares and Deposits < 1 Year

1,171,958,116

Total Shares and Deposits 1 3 Years

20,415,841

Total Shares and Deposits > 3 Years

4,810,331

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,197,184,288

Total Interest Expense (Sum of items 6 8)

9,038,967

Share Certificates

10,494

Number of Accounts for Share Drafts

68,437

IRA KEOGH Accounts

1,761

Number of Accounts for Regular Shares

98,232

All other shares

Money Market Shares

4,821

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

142,738,008

Total Liabilities

1,296,172,516

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Palmetto Citizens Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Palmetto Citizens Federal Credit Union

Does Palmetto Citizens Federal Credit Union offer CDs?

Yes. Palmetto Citizens Federal Credit Union current CD rates include its CD - 12 month at 3.92% APY, its CD - 18 month at 3.66% APY and its CD - 24 month at 3.61% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Palmetto Citizens Federal Credit Union NCUA insured?

Yes. Palmetto Citizens Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Palmetto Citizens Federal Credit Union?

The highest Palmetto Citizens Federal Credit Union CD rate is its CD - 12 month at 3.92% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Palmetto Citizens Federal Credit Union offer?

Palmetto Citizens Federal Credit Union CD rates are 3.92% APY for a 12 month CD, 3.66% APY for an 18 month CD, 3.61% APY for a 2 year CD, 3.40% APY for a 30 month CD and 3.04% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Palmetto Citizens Federal Credit Union for its full lineup.

What is the highest savings rate at Palmetto Citizens Federal Credit Union?

The highest Palmetto Citizens Federal Credit Union savings rate is its Health Savings Account at 0.95% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Palmetto Citizens Federal Credit Union?

The highest Palmetto Citizens Federal Credit Union money market rate is its Premium Money Market at 1.76% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Palmetto Citizens Federal Credit Union?

The highest Palmetto Citizens Federal Credit Union checking rate is its Premium Checking at 0.20% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Palmetto Citizens Federal Credit Union?

The lowest Palmetto Citizens Federal Credit Union auto loan rate is its New & Used Automobile or Truck (2023-New) at 3.99% APR, verified by MonitorBankRates as of October 28, 2026. Palmetto Citizens Federal Credit Union auto loan rates are 6.44% APR for a 60 month auto loan and 7.75% APR for a 72 month auto loan.

What is the lowest credit card APR at Palmetto Citizens Federal Credit Union?

The lowest Palmetto Citizens Federal Credit Union credit card APR is its Visa Platinum Credit Card at 12.90% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Palmetto Citizens Federal Credit Union operate?

Palmetto Citizens Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Palmetto Citizens Federal Credit Union?

Yes, to access services at Palmetto Citizens Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Palmetto Citizens Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Palmetto Citizens Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Palmetto Citizens Federal Credit Union offer online and mobile banking?

Most modern institutions like Palmetto Citizens Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.palmettocitizens.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Palmetto Citizens Federal Credit Union rates compare?

Palmetto Citizens Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. Palmetto Citizens Federal Credit Union's top rates are its CD - 12 month at 3.92% APY, its Health Savings Account at 0.95% APY, its Premium Money Market at 1.76% APY, its Premium Checking at 0.20% APY, its New & Used Automobile or Truck (2023-New) at 3.99% APR and its Visa Platinum Credit Card at 12.90% APR, verified by MonitorBankRates on October 28, 2026.

Current Palmetto Citizens Federal Credit Union Rates

12-Month CD3.40%
18-Month CD3.56%
24-Month CD3.20%
60-Month CD3.04%
Savings0.95%
MMA1.76%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Palmetto Citizens Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Palmetto Citizens Federal Credit Union Texas Ratio

Palmetto Citizens Federal Credit Union Health Trend

Palmetto Citizens Federal Credit Union CD Rates

Palmetto Citizens Federal Credit Union Savings Rates

Palmetto Citizens Federal Credit Union Money Market Rates

Palmetto Citizens Federal Credit Union Checking Rates

Palmetto Citizens Federal Credit Union Business Checking Rates

Palmetto Citizens Federal Credit Union Home Equity & HELOC

Palmetto Citizens Federal Credit Union Auto Loan Rates

Palmetto Citizens Federal Credit Union RV, Boat and Powersport Loan Rates

Palmetto Citizens Federal Credit Union Credit Card Rates

Palmetto Citizens Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Palmetto Citizens Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Palmetto Citizens Federal Credit Union

Does Palmetto Citizens Federal Credit Union offer CDs?

Are CDs from Palmetto Citizens Federal Credit Union NCUA insured?

What is the highest CD rate at Palmetto Citizens Federal Credit Union?

What CD terms does Palmetto Citizens Federal Credit Union offer?

What is the highest savings rate at Palmetto Citizens Federal Credit Union?

What is the highest money market rate at Palmetto Citizens Federal Credit Union?

What is the highest checking rate at Palmetto Citizens Federal Credit Union?

What is the lowest auto loan rate at Palmetto Citizens Federal Credit Union?

What is the lowest credit card APR at Palmetto Citizens Federal Credit Union?

How many branches does Palmetto Citizens Federal Credit Union operate?

Is a member application needed to join Palmetto Citizens Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Palmetto Citizens Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Palmetto Citizens Federal Credit Union rates compare?

Current Palmetto Citizens Federal Credit Union Rates

Compare to Other Credit Unions