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iAdvertiser Disclosure
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 Palmetto Citizens Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
You can compare Palmetto Citizens Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.15%, 6-month share certificate rates at 2.78% and 3-month share certificate rates at 0.10%. Savings rates are at 0.55% and money market rates are at 0.86%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to Palmetto Citizens Federal Credit Union rates. 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 4.17%. Rates were last updated on 04/11/2026. 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. Palmetto Citizens Federal Credit Union
Palmetto Citizens FCU Administrative 1320 Washington St
https://www.palmettocitizens.org Columbia, SC 29201 3382 
Palmetto Citizens Federal Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates 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
283
Part-Time Employees
18
Branch Locations
16
ATM Locations
43
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.17%
Return on Assets (ROA)
1.0649%
Return on Equity (ROE)
8.0936%
Non-Performing Loans Ratio (NPL)
0.96%
Total Assets
1,421,857,031
Total Amount of Shares and Deposits
1,129,351,086
Total Shares and Deposits < 1 Year
1,038,070,656
Total Shares and Deposits 1 3 Years
83,907,295
Total Shares and Deposits > 3 Years
7,373,135
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,129,351,086
Total Interest Expense (Sum of items 6 8)
13,180,907
Share Certificates
9,424
Number of Accounts for Share Drafts
81,658
IRA KEOGH Accounts
2,098
Number of Accounts for Regular Shares
102,484
All other shares
8
Money Market Shares
4,876
Net Income (unless the amount is already included in Undivided Earnings)
6,128,167
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
156,626,258
Total Liabilities
1,236,077,074
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Palmetto Citizens Federal Credit UnionIs Palmetto Citizens Federal Credit Union a safe place to deposit money?Yes, Palmetto Citizens Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.1668405523887%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Credit Unions
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