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Palmetto Citizens Federal Credit Union

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Palmetto Citizens Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Palmetto Citizens Federal Credit Union's Farm and Garden Equipment rates are at 11.00%, Farm and Garden Equipment rates are at 12.00%. 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%. 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 4.16%. Rates last updated and verified on 09/23/2026.

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

4.16%

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

Palmetto Citizens Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Farm and Garden Equipment	-	-	11.00%	up to 60 Months
Details (New) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Farm and Garden Equipment	-	-	12.00%	up to 48 Months
Details (Used) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%

Palmetto Citizens Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	5.75%	-	5.75%
Details As Low As; *Please contact the Mortgage Team for current rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%

Palmetto Citizens Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Automobile or Truck	-	-	3.99%	Up to 36 months
Details (2023-New) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
New & Used Automobile or Truck	-	-	5.50%	37-48 months
Details (2023-New) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
New & Used Automobile or Truck	-	-	5.55%	49-60 months
Details (2023-New) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
New & Used Automobile or Truck	-	-	5.60%	61-72 months
Details (2023-New) ($15,000+) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Used Automobile or Truck	-	-	6.44%	up to 48 Months
Details (4-5 years old) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Used Automobile or Truck	-	-	6.44%	up to 72 Months
Details (4-5 years old) ($15,000 and up) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
New & Used Automobile or Truck	-	-	7.29%	73-84 months
Details (2023-New) ($25,000+) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Used Automobile or Truck	-	-	7.75%	up to 48 Months
Details (6 years & older) (under $15,000) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Used Automobile or Truck	-	-	7.75%	up to 72 Months
Details (6 years & older) ($15,000+)) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
New & Used Automobile or Truck	-	-	9.29%	85-96 months
Details (2023-New) ($40,000+) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%

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 (New) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Used Boats, Motors or Trailers Loan	-	8.25%	up to 48 Months
Details (Used) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Motorcycle Loan	-	8.75%	up to 60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Recreational Vehicles Loan	-	9.74%	up to 96 Months
Details (New; depending on amount financed) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Recreational Vehicles Loan	-	9.79%	up to 84 Months
Details (Used; depending on amount financed) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Jet Ski or ATV Loan	-	11.00%	up to 48 Months
Details (New) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Motorcycle Loan	-	11.00%	up to 48 Months
Details (Used) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%

Palmetto Citizens Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum	-	12.90%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%

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 2.56% in Q2 2023 to 4.16% in Q1 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
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+
June 30, 2023	$1.3B	2.56%	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 292

Part-Time Employees 13

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

4.16%

Return on Assets (ROA)

0.3325%

Return on Equity (ROE)

2.5176%

Non-Performing Loans Ratio (NPL)

1.04%

Total Assets

1,480,861,192

Total Amount of Shares and Deposits

1,183,608,739

Total Shares and Deposits < 1 Year

1,134,425,146

Total Shares and Deposits 1 3 Years

43,652,005

Total Shares and Deposits > 3 Years

5,531,588

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

1,183,608,739

Total Interest Expense (Sum of items 6 8)

4,437,310

Share Certificates

10,265

Number of Accounts for Share Drafts

69,023

IRA KEOGH Accounts

1,841

Number of Accounts for Regular Shares

98,013

All other shares

Money Market Shares

4,826

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)

157,620,906

Total Liabilities

1,284,820,393

Source: NCUA — Last Updated 03/31/2026

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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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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

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.