Credit union · NCUA insured
Palmetto Citizens Federal Credit Union Savings Rates
Palmetto Citizens Federal Credit Union’s best savings rate is 0.90% APY on $10,000, with its Premium Money Market. Rates checked October 22, 2026.
How Palmetto Citizens Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Columbia, SC, where Palmetto Citizens Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Palmetto Citizens Federal Credit Union
0.90%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $90
Premium Money Market
Top rate
MTC Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Caro Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $300
Palmetto Citizens Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0001.46%
- QualifiedQualified0.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Palmetto Citizens Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Money Market
0.90%APY
Membership required ($5 par value in savings). $12.00 monthly fee applies if balance falls below $10,000 minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000$12.00 monthly fee if balance falls below $10,000 minimum balance. | 0.90% | $90 | $12.00 monthly fee if balance falls below $10,000 minimum balance. |
| $25,000 – $100,000$12.00 monthly fee if balance falls below $10,000 minimum balance. | 1.41% | — | $12.00 monthly fee if balance falls below $10,000 minimum balance. |
| $100,000 – $250,000$12.00 monthly fee if balance falls below $10,000 minimum balance. | 1.46% | — | $12.00 monthly fee if balance falls below $10,000 minimum balance. |
| $250,000 and up$12.00 monthly fee if balance falls below $10,000 minimum balance. | 1.76% | — | $12.00 monthly fee if balance falls below $10,000 minimum balance. |
Sources (1)
- newsite.palmettocitizens.org/rates · captured Sep 19, 2026
Money Market Account
0.40%APY
Membership required ($5 par value in savings). $12.00 monthly fee applies if balance falls below $2,000 minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000$12.00 monthly fee if balance falls below $2,000 minimum balance. | 0.40% | $40 | $12.00 monthly fee if balance falls below $2,000 minimum balance. |
| $25,000 and up$12.00 monthly fee if balance falls below $2,000 minimum balance. | 0.45% | — | $12.00 monthly fee if balance falls below $2,000 minimum balance. |
Sources (1)
- newsite.palmettocitizens.org/rates · captured Sep 19, 2026
Prime Share (Savings)
0.25%APY
Open a share account with $5 to join membership. Additional savings accounts require no minimum balance. Dividends paid quarterly on balances of $100 or greater. Par value of $5 must remain in savings to maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly on balances of $100 or greater. Par value of $5 required. No minimum balance fee.$100 and up | 0.25% | $25 | Dividends paid quarterly on balances of $100 or greater. Par value of $5 required. No minimum balance fee. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Health Savings Account
0.95%APY
Tax-advantaged savings plan for qualified medical expenses. Requires an HSA-qualified High Deductible Health Plan. No minimum balance, no service charges, dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,000Dividends paid monthly. Requires HSA-qualified High Deductible Health Plan. No service charges / $0 minimum balance to avoid fee. | 0.25% | — | Dividends paid monthly. Requires HSA-qualified High Deductible Health Plan. No service charges / $0 minimum balance to avoid fee. |
| $2,000 and upDividends paid monthly. Requires HSA-qualified High Deductible Health Plan. No service charges / $0 minimum balance to avoid fee. | 0.95% | $95 | Dividends paid monthly. Requires HSA-qualified High Deductible Health Plan. No service charges / $0 minimum balance to avoid fee. |
Sources (2)
All captured Sep 19, 2026
Money Market IRA
0.40%APY
Membership required ($5 par value in savings). $0 minimum balance to avoid monthly fee; $4.00/month fee applies if IRA balance is below $50 for six consecutive months.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $25,000$0 minimum balance to avoid fee; $4.00/month fee applies if IRA balance is below $50 for six consecutive months. | 0.40% | $40 | $0 minimum balance to avoid fee; $4.00/month fee applies if IRA balance is below $50 for six consecutive months. |
| $25,000 and up$0 minimum balance to avoid fee; $4.00/month fee applies if IRA balance is below $50 for six consecutive months. | 0.45% | — | $0 minimum balance to avoid fee; $4.00/month fee applies if IRA balance is below $50 for six consecutive months. |
Sources (1)
- newsite.palmettocitizens.org/rates · captured Sep 19, 2026
Christmas Club
0.25%APY
No minimum balance; dividends paid quarterly. Funds deposited into account of choice in early November. Withdrawal fee of $6.00 and $3.00 fee if annual November disbursement is mailed by check (no fee for direct account transfer).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Funds disbursed in early November. $0 minimum balance to avoid monthly fee.Any balance | 0.25% | $25 | Dividends paid quarterly. Funds disbursed in early November. $0 minimum balance to avoid monthly fee. |
Sources (2)
All captured Sep 19, 2026
IRA Share Account
0.25%APY
Secure a plan for retirement with tax savings. IRA minimum balance fee of $4.00/month applies if balance is below $50 for six consecutive months. IRA closure fee of $5.00 applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA minimum balance fee of $4.00/month applies for balances below $50 after six consecutive months. $0 minimum balance to avoid regular monthly fee.Any balance | 0.25% | $25 | IRA minimum balance fee of $4.00/month applies for balances below $50 after six consecutive months. $0 minimum balance to avoid regular monthly fee. |
Sources (2)
All captured Sep 19, 2026
Who can join Palmetto Citizens Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.