Palmetto Citizens Federal Credit Union

Headquarters

P.o. Box 5846
Columbia, SC 29250
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 4.01% →
1-Year CD 1.03% 4.50% →
2-Year CD 1.11% 4.73% →
5-Year CD 1.19% 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Palmetto Citizens is an NCUA insured institution located in Columbia, SC. It was founded in 1936 and has approximately $1345.21 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 $1,345.21 million
Loans $639.41 million
Deposits $1,106.39 million
Capital $138.67 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 28, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.41% $2,500 $2,999 Learn More
Money Market
0.47% $10,000 $14,999 Learn More
Money Market
0.69% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.65% $100,000 $199,999 Learn More
12 Mo CD
0.88% $10,000 $14,999 Learn More
12 Mo CD
1.03% $100,000 $199,999 Learn More
18 Mo CD
0.94% $10,000 $14,999 Learn More
18 Mo CD
1.09% $100,000 $199,999 Learn More
24 Mo CD
0.96% $10,000 $14,999 Learn More
24 Mo CD
1.11% $100,000 $199,999 Learn More
30 Mo CD
0.98% $10,000 $14,999 Learn More
30 Mo CD
1.13% $100,000 $199,999 Learn More
36 Mo CD
0.99% $10,000 $14,999 Learn More
36 Mo CD
1.14% $100,000 $199,999 Learn More
48 Mo CD
1.01% $10,000 $14,999 Learn More
48 Mo CD
1.17% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.09% $1 $99 Learn MoreShow Less
Int Ckg
0.09% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 28, 2022

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
6.121% 6.000% 0.88 $3,245 $1,499 Learn More
Rocket Mortgage
NMLS ID: 3030
7.400% 7.250% 1.00 $3,750 $1,706 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.653% 7.500% 1.00 $3,750 $1,749 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$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:
Ashburn,Virginia


Palmetto Citizens Locations



Climate 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.

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
2.33% 4.24

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, 2022, Palmetto Citizens had $2,607,902 in non-current loans and $686,690 in owned assets. To cover these potential losses it had $138,665,061 in net worth and $2,652,674 in loans loss reserves. That gives it a Texas Ratio of 2.33%.

Net Worth
Palmetto Citizens U.S. Average
10.31% 12.40%

Palmetto Citizens FCU has a net worth of 10.31% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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