--- title: "Palmetto Citizens Credit Union Rates - South Carolina" description: "Current auto loan, and heloc rates from Palmetto Citizens Credit Union in South Carolina. Updated daily with source verification. See who can join Palmetto Citizens Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-carolina/palmetto-citizens" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Palmetto Citizens Credit Union Rates - South Carolina ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 3.990% | — | Standard | Palmetto Citizens Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.000% | — | Standard | Palmetto Citizens Credit Union heloc rates as of November 12, 2026 Palmetto Citizens Credit Union is a credit union in South Carolina. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-carolina/palmetto-citizens) , verified from [Palmetto Citizens Credit Union's official website](https://www.palmettocitizens.org/) Loading branch locator… ## About Palmetto Citizens Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 86.9K Assets $1.5B Founded 1936 Locations reported 16 NCUA charter 1472 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Caro** Branch-00 · Columbia · SC · 29201-3633 About 0.9 miles away](https://rateapi.dev/credit-unions/south-carolina/caro) [**Founders** USC Russell House · Columbia · SC · 29225 About 1.0 miles away](https://rateapi.dev/credit-unions/south-carolina/founders) [**S. C. State** Corporate Office · Columbia · SC · 29201-3620 About 1.1 miles away](https://rateapi.dev/credit-unions/south-carolina/s-c-state) [**Palmetto First** South Carolina National Guard Federal Credit Union · Columbia · SC · 29201-4714 About 1.3 miles away](https://rateapi.dev/credit-unions/south-carolina/palmetto-first) [**South Carolina National Guard** Main Office · Columbia · SC · 29201 About 1.3 miles away](https://rateapi.dev/credit-unions/south-carolina/south-carolina-national-guard) [**Spero Financial** Columbia Branch · Columbia · SC · 29201 About 1.3 miles away](https://rateapi.dev/credit-unions/south-carolina/spero-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Palmetto Citizens Credit Union Membership eligibility from Palmetto Citizens Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Palmetto Citizens Credit Union's website. Check the membership page below to confirm whether you qualify. - Association Palmetto Citizens Foundation, Carolina Consumer Council (CCC) Verified from [Palmetto Citizens Credit Union's membership page](https://www.palmettocitizens.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for Palmetto Citizens Credit Union Associations 2 2 published paths to membership, last verified August 21, 2026, quoted from Palmetto Citizens Credit Union’s own published criteria. ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Palmetto Citizens Foundation “A donation of just $5 makes you a Foundation member and eligible to join Palmetto Citizens.” > [source ↗](https://www.palmettocitizens.org/membership) - Member of Palmetto Citizens Foundation - Member of Carolina Consumer Council (CCC) “We also have a partnership with the Carolina Consumer Council (CCC) , a nonprofit organization focused on consumer advocacy and financial education. Individuals who line in SC, NC, GA, TN, or VA may become eligible for membership through the CCC.” > [source ↗](https://www.palmettocitizens.org/membership) - Member of Carolina Consumer Council (CCC) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Palmetto Citizens Credit Union? Yes No ## Work at Palmetto Citizens Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Palmetto Citizens Credit Union ranks against South Carolina peers. - See which AI assistants fetched Palmetto Citizens Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in South Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=palmetto-citizens&state=south-carolina&code=SC&name=Palmetto%20Citizens%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Palmetto Citizens Credit Union offer? Palmetto Citizens Credit Union currently offers Auto loan, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Palmetto Citizens Credit Union rates updated? RateAPI verifies Palmetto Citizens Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Palmetto Citizens Credit Union's rate data? Rate data is collected directly from Palmetto Citizens Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Palmetto Citizens Credit Union? Palmetto Citizens Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 2 associations for Palmetto Citizens Credit Union, each quoted from Palmetto Citizens Credit Union's own published membership criteria. ## Related Rate Data Compare Palmetto Citizens Credit Union's rates against national credit-union benchmarks. [More South Carolina credit unions](https://rateapi.dev/credit-unions/south-carolina) [South Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/south-carolina) [South Carolina HELOC rate leaders](https://rateapi.dev/heloc-rates/south-carolina) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.palmettocitizens.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Palmetto Citizens Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when South Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Palmetto Citizens Credit Union curl "https://api.rateapi.dev/credit-unions/south-carolina /palmetto-citizens " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Palmetto Citizens Credit Union locations Search, filter, and browse all 16 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/south-carolina/palmetto-citizens Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp