Palmetto Citizens Federal Credit Union

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A short history of Palmetto Citizens FCU

Since its inception in 1936 the Palmetto Citizens Federal Credit Union has been serving its members in the COLUMBIA, South Carolina area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Nicholas Wodogaza, the Palmetto Citizens FCU has grown its membership to over 63,441 with assets of more than $778,957,359. They have a main office and 14 branch offices. Please see the credit unions website or contact them by phone at (803) 779-1232 or email them at pcfcu@pcemail.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in COLUMBIA, SC.

General Information For Palmetto Citizens FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 1472
Address P.O. BOX 5846 
City COLUMBIA 
State South Carolina 
Zip-Code 29250
Phone Number (803) 779-1232
Fax Number (803) 376-2674
Email Address: pcfcu@pcemail.org
CEO/President Nicholas Wodogaza
Members 63,441 
Full-Time Employees 270 
Part-Time Employees
Number of Branch Offices 14 
Total Assets 778,957,359 
Website http://www.palmettocitizens.org 

Compare Palmetto Citizens Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Columbia Post Office CU Branch 2001 Dixiana Rd 29202 (803) 739-1002 No 0.39
Palmetto Health CU Palmetto Health Credit Union - Richland Branch 9 Richland Medical Park Dr 29202 (803) 978-2101 No 0.46
Palmetto Trust CU Branch 1724 Bush River Rd 29202 (803) 750-7999 No 0.61
S. C. State CU Lexington 954 E Main St 29202 (803) 356-6027 No 0.69
1st Cooperative CU Main 808 Knox Abbott Dr 29033 (803) 796-0234 No 2.03

Palmetto Citizens Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Palmetto Citizens Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.50 2.35 6.30 4.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 434 66 474 138 100
Rank Among All South Carolina Credit Unions 24 7 34 11 4

Palmetto Citizens Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.24 0.35 0.54 0.24
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 100 89 254 267
Rank Among All South Carolina Credit Unions 6 5 9 17 21
Palmetto Citizens Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.50017,14652,496,418
All Other Unsecured Loans/Lines of Credit 5.00012,80914,376,188
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.35074615,252,692
Used Vehicle Loans 6.3009,050106,724,253
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.0001,903175,148,772
Total Other Real Estate Loans/Lines of Credit 4.0002,76978,878,764
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0001,1675,661,608
TOTAL LOANS & LEASES 45,590448,538,695

Palmetto Citizens Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 38692,442,1778311,872,561
    b. 15 Years or less 53137,169,049334,949,448
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 1465,680,438270,000
Adjustable Rate 1 yr or less 84039,857,108692,625,162
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 4619,660,391251,667,593
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2,30869,218,3731904,670,429
Open-End Fixed Rate 0000
TOTALS 4,672254,027,53640225,855,193

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Palmetto Citizens Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes