What are the current interest rates at Palmetto Health Credit Union?

Current rates for Palmetto Health Credit Union include: 12-Month CD: 3.64%, 18-Month CD: 3.54%, 24-Month CD: 2.52%, Savings: 0.10%

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Palmetto Health Credit Union

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Palmetto Health Credit Union Rates & Review August 2026

Q: Is a member application needed to join Palmetto Health Credit Union?

Yes, to access services at Palmetto Health 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Palmetto Health 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: August 28, 2026

Palmetto Health Credit Union's 12 Month CD +50k rates are at 3.80%, 12 Month CD IRA & +25k rates are at 3.80%, 12 Month CD rates are at 3.64%, 18 Month CD +50k rates are at 3.59%, 6 Month CD +50k rates are at 3.59%. Palmetto Health Credit Union's savings rates are at 0.10%. Palmetto Health Credit Union's Personal Loan Rates are at 5.99%. MonitorBankRates evaluates the financial stability of Palmetto Health Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.51%. Rates last updated and verified on 08/28/2026.

Palmetto Health 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 Health Credit Union? Share your experience about Palmetto Health Credit Union by leaving a review below, or read customer reviews before you decide to use Palmetto Health Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.51%

Excellent Lower than avg

Palmetto Health Credit Union
Curis Financial Credit Union Corporate offices

1205 Colonial Life Blvd W
Columbia, SC 29210

https://www.palmettohealthcu.org

Palmetto Health Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate +50k	3.75%	3.80%	12 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
12 Month Certificate IRA & +25k	3.75%	3.80%	12 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
12 Month Certificate	3.60%	3.64%	12 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
18 Month Certificate +50k	3.55%	3.59%	18 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
6 Month Certificate +50k	3.55%	3.59%	6 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
18 Month Certificate	3.50%	3.54%	18 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
18 Month Certificate IRA & +25k	3.50%	3.54%	18 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
6 Month Certificate	3.50%	3.54%	6 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
6 Month Certificate IRA & +25k	3.50%	3.54%	6 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
24 Month Certificate +50k	2.55%	2.57%	24 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
24 Month Certificate	2.50%	2.52%	24 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
24 Month Certificate IRA & +25k	2.50%	2.52%	24 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
36 Month Certificate +50k	2.50%	2.52%	36 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
36 Month Certificate	2.45%	2.47%	36 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
36 Month Certificate IRA & +25k	2.45%	2.47%	36 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
3 Month Certificate +50k	1.25%	1.26%	3 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
3 Month Certificate	1.00%	1.00%	3 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
3 Month Certificate IRA & +25k	1.00%	1.00%	3 Month
Details Dividends paid quarterly for 12 - 36 month terms. For terms less than 12 months, dividends paid at maturity. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

Palmetto Health Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.15%	0.15%
Details Pays Dividend Quarterly. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
Savings	0.15%	0.15%
Min Balance $100 Details Pays Dividend Quarterly. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
HSA Health Savings Accounts	0.10%	0.10%
Details Pays Dividend Monthly. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

Palmetto Health Credit Union Checking Rates

Product	Rate	APY
Money Management Checking	-	0.45%
Min Balance $25,000 Details Pays Dividend Monthly. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
Money Management Checking	-	0.35%
Min Balance $10,000 Details Pays Dividend Monthly. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
Money Management Checking	-	0.30%
Min Balance $5,000 Details Pays Dividend Monthly. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
Money Management Checking	-	0.05%
Min Balance $2,500 Details Pays Dividend Monthly. Rates subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

Palmetto Health Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Personal with Collateral Auto	-	-	5.99%	Up to 60 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

Palmetto Health Credit Union Personal Loan Rates

Product	Rate	APR
Personal with Collateral Auto	-	5.99%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
Personal with Collateral Boats, Motorcycles & RVs Loan	-	6.99%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
Personal Loan or Line of Credit	-	8.49%
Details Rates as low as prime with a floor rate of 4% APR. Borrow up to 80% of the Appraised Value of Home. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Palmetto Health 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 Health 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 Health Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Palmetto Health Credit Union

Website https://www.palmettohealthcu.org

Address 1205 Colonial Life Blvd W, Columbia, SC 29210

Phone 803-978-2101

Fax 803-704-1008

President Nancy McLendon

CEO Hansel Hart

Full-Time Employees 24

Part-Time Employees 1

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.51%

Return on Assets (ROA)

0.6919%

Return on Equity (ROE)

3.1032%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

87,122,385

Total Amount of Shares and Deposits

67,586,233

Total Shares and Deposits < 1 Year

66,659,987

Total Shares and Deposits 1 3 Years

926,246

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,216,935

Total Uninsured Shares and Deposits > $250K (F+J)

3,216,935

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

64,369,298

Total Interest Expense (Sum of items 6 8)

344,608

Share Certificates

361

Number of Accounts for Share Drafts

6,701

IRA KEOGH Accounts

151

Number of Accounts for Regular Shares

10,910

All other shares

224

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)

8,465,146

Total Liabilities

68,046,418

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Palmetto Health Credit Union

How many branches does Palmetto Health Credit Union operate?

Palmetto Health 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 Health Credit Union?

Yes, to access services at Palmetto Health 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 Health 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 Health Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Palmetto Health Credit Union offer online and mobile banking?

Most modern institutions like Palmetto Health 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.palmettohealthcu.org.