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Palmetto Citizens Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.palmettocitizens.org
803-732-5000
1320 Washington St
Columbia, SC 29201

Palmetto Citizens Federal Credit Union is headquartered in Columbia and is the 7th largest credit union in the state of South Carolina. It is also the 348th largest credit union in the nation. It was established in 1936 and as of December of 2024, it had grown to 286 employees and 84,437 members at 15 locations. Palmetto Citizens Federal Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Palmetto Citizens Federal Credit Union is open to those who live, work, worship, or attend school in Calhoun, Fairfield, Kershaw, Lexington, Newberry, Orangeburg, Richland, or Saluda Counties in South Carolina. Immediate family of membership-eligible individuals also qualify. Businesses and non-profits, legal entities and churches operating in the area are also eligible for membership.
See current membership details

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #1472
Year Chartered1936
Employees286
Primary Regulator
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD9.07%
Annual Interest Income$59.4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.35B$1.28B
LoansQ4 2024vs Q4 2023$769.8MM$763.6MM
DepositsQ4 2024vs Q4 2023$1.08B$1.03B
Equity CapitalQ4 2024vs Q4 2023$164.9MM$140.6MM
Loan Loss AllowanceQ4 2024vs Q4 2023$10.2MM$9.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$5.6MM$5.2MM
Real Estate OwnedQ4 2024vs Q4 2023$0$235K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/24/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Palmetto Citizens Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*$2k*-Health Savings Account
OTHER TIERS: 0.85% → $100 - $2k
1.56%*$2k*-Small Business Health Savings Account
OTHER TIERS: 0.85% → $100 - $2k
0.38%*$25k*-Small Business Sweep Account
OTHER TIERS: 0.12% → $500 - $2k | 0.21% → $2k - $25k
0.35%$100-Prime Share Savings
0.35%$0-Christmas Club
0.35%$100-Small Business Prime Share (Savings)

Palmetto Citizens Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$250k*-Premium Money Market
OTHER TIERS: 0.90% → $0 - $25k | 1.41% → $25k - $100k | 1.46% → $100k - $250k
1.76%*$250k*-Small Business Premium Money Market
OTHER TIERS: 1.41% → $25k - $250k
1.06%*$25k*-Money Market Account
OTHER TIERS: 0.85% → $0 - $25k
1.06%*$25k*-Money Market IRA
OTHER TIERS: 0.85% → $2k - $25k
1.06%*$25k*-Small Business Money Market Account
OTHER TIERS: 0.85% → $2k - $25k

Palmetto Citizens Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.39%*$25k*-Premium Checking
OTHER TIERS: 0.12% → $500 - $2.5k | 0.26% → $2.5k - $5k | 0.30% → $5k - $25k
0.12%$500-Classic Checking
0.12%$500-Non-Profit Small Business Checking

Palmetto Citizens Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.16%*$250k*-12 Month CD
OTHER TIERS: 4.06% → $500 - $100k | 4.11% → $100k - $250k
4.16%*$250k*-18 Month CD
OTHER TIERS: 4.06% → $500 - $100k | 4.11% → $100k - $250k
4.16%*$250k*-Business 12 Month CD
OTHER TIERS: 4.06% → $500 - $100k | 4.11% → $100k - $250k
4.16%*$250k*-Business 18 Month CD
OTHER TIERS: 4.06% → $500 - $100k | 4.11% → $100k - $250k
3.80%*$250k*-24 Month CD
OTHER TIERS: 3.70% → $500 - $100k | 3.75% → $100k - $250k
3.80%*$250k*-Business 24 Month CD
OTHER TIERS: 3.70% → $500 - $100k | 3.75% → $100k - $250k
3.75%*$250k*-12 Month Add-To CD
OTHER TIERS: 3.65% → $500 - $100k | 3.70% → $100k - $250k
3.75%*$250k*-12 Month Youth Add-To CD
OTHER TIERS: 3.65% → $500 - $100k | 3.70% → $100k - $250k
3.75%*$250k*-Business 12 Month Add-To CD
OTHER TIERS: 3.65% → $500 - $100k | 3.70% → $100k - $250k
3.65%*$250k*-182 Day CD
OTHER TIERS: 3.55% → $500 - $100k | 3.60% → $100k - $250k
3.65%*$250k*-Business 182 Day CD
OTHER TIERS: 3.55% → $500 - $100k | 3.60% → $100k - $250k
3.49%*$250k*-24 Month Step-Up CD
OTHER TIERS: 3.39% → $500 - $100k | 3.44% → $100k - $250k
3.49%*$250k*-Business 24 Month Step-Up CD
OTHER TIERS: 3.39% → $500 - $100k | 3.44% → $100k - $250k
3.39%*$250k*-30 Month CD
OTHER TIERS: 3.29% → $500 - $100k | 3.34% → $100k - $250k
3.39%*$250k*-36 Month CD
OTHER TIERS: 3.29% → $500 - $100k | 3.34% → $100k - $250k
3.39%*$250k*-Business 30 Month CD
OTHER TIERS: 3.29% → $500 - $100k | 3.34% → $100k - $250k
3.39%*$250k*-Business 36 Month CD
OTHER TIERS: 3.29% → $500 - $100k | 3.34% → $100k - $250k
3.14%*$250k*-48 Month CD
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-60 Month CD
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-Business 48 Month CD
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-Business 60 Month CD
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-72 Month CD
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-Business 72 Month CD
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-84 Month CD
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-Business 84 Month CD
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
0.85%*$250k*-91 Day CD
OTHER TIERS: 0.75% → $500 - $100k | 0.80% → $100k - $250k
0.85%*$250k*-Business 91 Day CD
OTHER TIERS: 0.75% → $500 - $100k | 0.80% → $100k - $250k

Palmetto Citizens Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.16%*$250k*-12 Month IRA
OTHER TIERS: 4.06% → $500 - $100k | 4.11% → $100k - $250k
4.16%*$250k*-18 Month IRA
OTHER TIERS: 4.06% → $500 - $100k | 4.11% → $100k - $250k
3.80%*$250k*-24 Month IRA
OTHER TIERS: 3.70% → $500 - $100k | 3.75% → $100k - $250k
3.75%*$250k*-12 Month Add-To IRA
OTHER TIERS: 3.65% → $500 - $100k | 3.70% → $100k - $250k
3.65%*$250k*-182 Day IRA
OTHER TIERS: 3.55% → $500 - $100k | 3.60% → $100k - $250k
3.49%*$250k*-24 Month Step-Up IRA
OTHER TIERS: 3.39% → $500 - $100k | 3.44% → $100k - $250k
3.39%*$250k*-30 Month IRA
OTHER TIERS: 3.29% → $500 - $100k | 3.34% → $100k - $250k
3.39%*$250k*-36 Month IRA
OTHER TIERS: 3.29% → $500 - $100k | 3.34% → $100k - $250k
3.14%*$250k*-48 Month IRA
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-60 Month IRA
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-72 Month IRA
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
3.14%*$250k*-84 Month IRA
OTHER TIERS: 3.03% → $500 - $100k | 3.09% → $100k - $250k
0.85%*$250k*-91 Day IRA
OTHER TIERS: 0.75% → $500 - $100k | 0.80% → $100k - $250k
0.35%$0-IRA Share Account
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