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Palmetto Citizens Federal Credit Union Personal Loan Calculator, Interest Rates & Overview

Updated 5 March 2024

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Palmetto Citizens Federal Credit Union personal loans overview

Palmetto Citizens Federal Credit Union (PCFCU) was first established in 1936 and continues to provide financial services to its members in South Carolina. Though Palmetto Citizens doesn’t have personal loans, you can finance a variety of your needs through flexible credit cards and auto loans. Plus, you can secure competitive rates, long terms, and fewer fees.

Want to see what a PCFCU personal loan will cost? Try the Palmetto Citizens Federal Credit Union personal loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Key features

Minimum loan amount: Undisclosed.
Maximum loan amount: Over 100% on most new to 3-year-old models.
Interest rates: As low as 4.95% APR for auto loans and 11.50% APR for credit cards.
Loan terms: Up to 96 months for car loans.
Loan fees: No balance transfer fee, cash advance fee, and annual fee for credit cards.
Discounts: Up to 10% discount on auto insurance.

Palmetto Citizens FCU personal loan options

New and used auto loans

Palmetto Citizens offers competitive auto loans with long repayment terms. For as low as 4.95% APR, you can secure new and pre-owned automobiles and trucks. Then, you can pay your loan for up to 96 months.

Visa credit cards

You can opt for a credit card if you need flexible access to funds, too. Interest rates start as low as 12.90% APR for Visa Platinum, 17.90% APR for Share Secured Visa, and 11.50% APR for Visa Equity. Aside from these choices, you can earn ScoreCard Reward Points for each dollar you spend and redeem merchandise and travel options.

Palmetto Citizens FCU personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$20,000

Term

3 months

Change

Palmetto Citizens Federal Credit Union personal loans (New & Used Automobile or Truck)

Estimated Month Repayments

$571 Inclusive of fees

Interest Rate

1.74%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$1,000
to $20,000

Go to site

If you're looking to purchase a vehicle, or just want to refinance your loan from another lender, Palmetto Citizens can help. With our great rates on new and used vehicles, we can truly help you save.

Palmetto Citizens Federal Credit Union personal loans (New & Used Automobile or Truck (Used Automobile or Truck))

Estimated Month Repayments

$582 Inclusive of fees

Interest Rate

2.99%
APR

Repayment Period

12 months
to 72 months

Loan Amounts

$1,000
to $20,000

Go to site

Palmetto Citizens Federal Credit Union personal loans (New & Used Automobile or Truck (Used Automobile or Truck))

Estimated Month Repayments

$602 Inclusive of fees

Interest Rate

5.30%
APR

Repayment Period

12 months
to 72 months

Loan Amounts

$1,000
to $20,000

Go to site

Palmetto Citizens Federal Credit Union personal loans (Recreational Vehicles))

Estimated Month Repayments

$603 Inclusive of fees

Interest Rate

5.45%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$1,000
to $20,000

Go to site

Palmetto Citizens Federal Credit Union personal loans (New & Used Automobile or Truck (New Boats, Motors or Trailers))

Estimated Month Repayments

$611 Inclusive of fees

Interest Rate

6.25%
APR

Repayment Period

12 months
to 60 months

Loan Amounts

$1,000
to $20,000

Go to site

Palmetto Citizens Federal Credit Union personal loans (Used Boats, Motors or Trailers))

Estimated Month Repayments

$624 Inclusive of fees

Interest Rate

7.75%
APR

Repayment Period

12 months
to 48 months

Loan Amounts

$1,000
to $20,000

Go to site

Palmetto Citizens Federal Credit Union personal loans (Motorcycle))

Estimated Month Repayments

$629 Inclusive of fees

Interest Rate

8.25%
APR

Repayment Period

12 months
to 60 months

Loan Amounts

$1,000
to $20,000

Go to site

Palmetto Citizens Federal Credit Union personal loans (Farm Equipment))

Estimated Month Repayments

$650 Inclusive of fees

Interest Rate

10.50%
APR

Repayment Period

12 months
to 36 months

Loan Amounts

$1,000
to $20,000

Go to site

Palmetto Citizens Federal Credit Union personal loans (Jet Ski or ATV))

Estimated Month Repayments

$650 Inclusive of fees

Interest Rate

10.50%
APR

Repayment Period

12 months
to 36 months

Loan Amounts

$1,000
to $20,000

Go to site

Featured

Wells Fargo personal loans

Estimated Month Repayments

$606 Inclusive of fees

Interest Rate

5.74%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$3,000
to $10,000

Go to site

Checking and savings accounts and credit cards for your everyday business expenses and cash management.

Featured

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments

$848 Inclusive of fees

Interest Rate

29.90%
APR

Repayment Period

12 months
to 12 months

Loan Amounts

$1,000
to $20,000

Go to site

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Palmetto Citizens personal loan

Eligibility criteria

While Palmetto Citizens doesn’t disclose the requirements to obtain financing, you commonly need to be:

A Palmetto Citizens FCU member
18 years old or older
A legal resident
Employed or have a dependable source of income

Whether you’re applying for a credit card or a car loan, it helps to build good credit and have a low debt-to-income ratio (DTI). These will show Palmetto Citizens FCU that you’re a responsible borrower. So, you may qualify for more lending opportunities and better loan offers.

How to join Palmetto Citizens

Palmetto Citizens is open to:

Anyone who lives, works, worships, or attends school in South Carolina counties (Calhoun, Fairfield, Kershaw, Lexington, Newberry, Orangeburg, Richland, or Saluda)
Businesses, non-profits, churches, and legal entities operating in the said areas
Immediate family members of those who are eligible to join

What you’ll need to have ready

Personal details

When you apply for personal financing with Palmetto Citizens Federal Credit Union, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

Documents

You can apply for the loan directly on PCFCU’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

Besides meeting the criteria and preparing the documents, it helps to understand the loan application process , too. This way, you have an idea about the steps and ways to secure the right loan.

Ways to apply for a Palmetto Citizens personal loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call (803)732-5000

Additional Palmetto Citizens personal loan details

Automatic payment: Available.

Loan approval times: Undisclosed, but it may take a day to a few weeks depending on your application.

Rate discounts: Potential lower interest rates for members with excellent credit scores.

Repayment frequency: Monthly.

Late payment fees: 5% of the delinquent amount (maximum $25).
Prepayment penalty: Undisclosed.

Co-borrowers allowed: Undisclosed.
Co-signers: Undisclosed.

Hardship program: Undisclosed.

Ways to repay: Online banking, mobile banking, and over the phone.

PROS AND CONS

Pros

Low interest rates.
Flexible repayment terms.
No balance transfer, cash advance, and annual fees for credit cards.
Easy online application.
100% auto financing.
Auto insurance discount.
Potential lower APRs for members with excellent credit.

Cons

Membership required.
Lack of personal loans.
5% or $25 late fee.
1% foreign transaction fee on credit cards.

FREQUENTLY ASKED QUESTIONS

Does Palmetto Citizens offer personal loans?

No. PCFCU doesn’t have personal loans. Instead, you can apply for a credit card or vehicle loan.

Who is eligible for Palmetto Citizens Federal Credit Union?

Membership is open to anyone who lives, works, worships, or attends school in select central South Carolina counties. Businesses, non-profits, churches, and other legal entities are also eligible. Those who have immediate families in eligible counties can join, too.

How much do I qualify for with a Palmetto Citizens personal loan?

For auto loans, you may finance over 100% on new to 3-year-old models.

What is the maximum term of a Palmetto Citizens FCU personal loan?

Palmetto Citizens Federal Credit Union’s car loans have terms extending up to 96 months.

Where can I apply for a Palmetto Citizens personal loan?

You can apply for a credit card or auto loan online, over the phone, and in person.

Will applying for a personal loan with Palmetto Citizens affect my credit score?

When you accept a loan, the credit union will do a hard credit check, which will then appear on your credit report. This will lower your credit score for a short period. So, consistently meet your payments to build your credit.

How can I contact PCFCU about my loan?

You can reach out to the credit union at (803)732-5000.

Palmetto Citizens Federal Credit Union Personal Loan Calculator, Interest Rates & Overview