Credit union · NCUA insured
Palmetto Citizens Federal Credit Union
A $1.5B credit union, the 336th largest of 4,329, headquartered in Columbia, SC, with 86,899 members and 16 branches in South Carolina. Best rates: CDs 3.92% and savings 0.90% APY.
Palmetto Citizens Federal Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#14 of 27 in Columbia, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Palmetto Citizens Federal Credit Union
- Headquarters
- 1320 Washington St, Columbia, SC 29201-3382
- NCUA charter
- 1472
Branches
16 branches in South Carolina
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South Carolina
16 branches
Columbia area · 15
- Palmetto Citizens FCU AdministrativeMain office1320 Washington St, Columbia, SC 29201Directions
- Palmetto Citizens FCU - Blythewood312 Blythewood Rd, Blythewood, SC 29016Directions
- Palmetto Citizens FCU - Camden2100 W Dekalb St, Camden, SC 29020Directions
- Palmetto Citizens FCU - Beltline2200 N Beltline Blvd, Columbia, SC 29204Directions
- Palmetto Citizens FCU - Bush River500 Bush River Rd, Columbia, SC 29210Directions
- Palmetto Citizens FCU - Clemson2651 Clemson Rd, Columbia, SC 29229Directions
- Palmetto Citizens FCU - Garners Ferry7655 Garners Ferry Rd, Columbia, SC 29209Directions
- Palmetto Citizens FCU - Millwood3122 Millwood Ave, Columbia, SC 29205Directions
- Palmetto Citizens FCU - Northeast114 Atrium Way, Columbia, SC 29223Directions
- Palmetto Citizens FCU - SCESC1550 Gadsden St, Columbia, SC 29201Directions
- Palmetto Citizens FCU - Stadium1000 Shop Rd, Columbia, SC 29201Directions
- Palmetto Citizens FCU - Irmo7816 Broad River Rd, Irmo, SC 29063Directions
- Palmetto Citizens FCU - Lexington919 N Lake Dr, Lexington, SC 29072Directions
- Palmetto Citizens FCU - Red Bank1835 S Lake Dr, Lexington, SC 29073Directions
- Palmetto Citizens FCU - West Columbia2120 Sunset Blvd, West Columbia, SC 29169Directions
Newberry area · 1
- Palmetto Citizens FCU - Whitmire138 Main St, Whitmire, SC 29178Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.48% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.11% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.51% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $69 | $88 | — |
- CapitalNet worth ratio13.48%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.11%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.51%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$69Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Palmetto Citizens Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.