Palmetto Citizens Federal Credit Union
Headquarters
P.o. Box 5846
Columbia, SC 29250
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2024 Overview
General Credit Union Information
Palmetto Citizens is an NCUA insured institution located in Columbia, SC. It was founded in 1936 and has approximately $1304.37 millions in assets.
Who can join?
Palmetto Citizens membership is open to any individual who lives, works, worships or attends school in Richland, Lexington, Fairfield or Newberry counties of South Carolina.
If you have immediate family within this four-county area, you may be eligible to join as well.
Membership may also be available to businesses and legal entities operating in this area.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 1472 |
| Date Established | 1936 |
| Assets | $1,304.37 million |
| Loans | $761.44 million |
| Deposits | $1,044.44 million |
| Capital | $166.37 million |
Field of Membership Restrictions
Membership in Palmetto Citizens Federal Credit Union is open to those who live, work, worship or attend school in Richland, Lexington, Kershaw, Fairfield, Calhoun or Saluda counties in South Carolina and immediate family of those eligible.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.35% | $100 | - |
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|
|
Money Market
|
0.90% | $0 | $24,999 |
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|
|
Money Market
|
1.41% | $25,000 | $249,999 |
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|
|
Money Market
|
1.46% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
4.16% | $500 | $99,999 |
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|
| 6 Mo CD
|
4.22% | $100,000 | $249,999 |
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|
| 182 Days
|
4.27% | $250,000 | - |
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|
| 12 Mo CD
|
4.06% | $500 | $99,999 |
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|
| 12 Mo CD
|
4.11% | $100,000 | $249,999 |
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|
| 12 Months
|
4.16% | $250,000 | - |
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|
| 18 Mo CD
|
3.55% | $500 | $99,999 |
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|
| 18 Mo CD
|
3.60% | $100,000 | $249,999 |
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|
| 18 Months
|
3.65% | $250,000 | - |
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|
| 24 Mo CD
|
3.29% | $500 | $99,999 |
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|
| 24 Mo CD
|
3.34% | $100,000 | $249,999 |
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|
| 24 Months
|
3.39% | $250,000 | - |
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|
| 30 Mo CD
|
3.03% | $500 | $99,999 |
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|
| 30 Mo CD
|
3.09% | $100,000 | $249,999 |
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|
| 30 Months
|
3.14% | $250,000 | - |
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|
| 36 Mo CD
|
3.03% | $500 | $99,999 |
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|
| 36 Mo CD
|
3.09% | $100,000 | $249,999 |
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|
| 36 Months
|
3.14% | $250,000 | - |
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|
| 48 Mo CD
|
3.03% | $500 | $99,999 |
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|
| 48 Mo CD
|
3.09% | $100,000 | $249,999 |
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|
| 48 Months
|
3.14% | $250,000 | - |
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|
| 60 Mo CD
|
3.03% | $500 | $99,999 |
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|
| 60 Mo CD
|
3.09% | $100,000 | $249,999 |
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|
| 60 Months
|
3.14% | $250,000 | - |
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|
| 72 Months
|
3.03% | $500 | $99,999 |
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|
| 72 Months
|
3.09% | $100,000 | $249,999 |
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|
| 72 Months
|
3.14% | $250,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.12% | $500 | $2,499 | Learn More |
| INTCK
|
0.26% | $2,500 | $4,999 | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Palmetto Citizens
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.865% | 6.750% | 1.00 | $3,775 | $2,076 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Palmetto Citizens
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Palmetto Citizens branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Palmetto Citizens Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 416.15 | A | View Lobby Hours | |
| 416.93 | B | View Lobby Hours | |
| 420.38 | C | View Lobby Hours | |
| 422.07 | D | View Lobby Hours | |
| 422.80 | E | View Lobby Hours | |
| 424.08 | F | View Lobby Hours | |
| 424.28 | G | View Lobby Hours | |
| 424.50 | H | View Lobby Hours | |
| 424.60 | I | View Lobby Hours | |
| 425.37 | J | View Lobby Hours | |
| 426.63 | K | View Lobby Hours | |
| 428.50 | L | View Lobby Hours | |
| 429.04 | M | View Lobby Hours |
Climate Policy and Initiatives
PALMETTO CITIZENS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Palmetto Citizens Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Palmetto Citizens. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Palmetto Citizens | U.S. Average |
|---|---|
| 2.48% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Palmetto Citizens had $3,326,044 in non-current loans and $879,302 in owned assets. To cover these potential losses it had $166,373,126 in net worth and $3,047,929 in loans loss reserves. That gives it a Texas Ratio of 2.48%.
Net Worth
| Palmetto Citizens | U.S. Average |
|---|---|
| 12.71% | 13.93% |
Palmetto Citizens FCU has a net worth of 12.71% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Palmetto Citizens
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