Palmetto Citizens Federal Credit Union is a member-owned financial cooperative serving individuals and communities in the Columbia, South Carolina area. Established to provide a mutual, non-profit alternative to traditional commercial banks, the organization focuses on delivering accessible financial services to its members, including savings and checking products, lending, and electronic banking options. As a credit union, its governance operates on a democratic model where members elect a volunteer board of directors to oversee strategic direction and policy decisions.
With roots in cooperative principles, Palmetto Citizens FCU emphasizes fiscal responsibility, diversified financial solutions, and a community-oriented mission. The organization administers standard financial services through Member Service Representatives and digital platforms, enabling account management, loan applications, and payment processing. Operational scope extends to financial education initiatives and member outreach aimed at fostering sound money management practices. The facility at 3122 Millwood Ave in Columbia serves as a local access point for member services, information, and in-person support.
Better than 54% of providers in Columbia
In addition to the primary service, Palmetto Citizens Federal Credit Union also offers:
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Palmetto Citizens Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Palmetto Citizens Federal Credit Union is listed as a financial service provider in Columbia, SC and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Palmetto Citizens Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Palmetto Citizens Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Palmetto Citizens Federal Credit Union with other providers in Columbia and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Palmetto Citizens Federal Credit Union has a rating of 4.9, which is better than 54% of providers in Columbia.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Palmetto Citizens Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Palmetto Citizens Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Palmetto Citizens Federal Credit Union also offers: Loan agency, ATM, Bank, Federal credit union, Financial institution, Financial planner, Investment service, Credit union, Mortgage lender, Savings bank.