The Palmetto Citizens Federal Credit Union is a personal credit card from Palmetto Citizens Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is 12.90% - 17.90%. Rewards: You also earn reward points for every dollar you spend. Points can be redeemed for hundreds of merchandise and travel options. You can combine points with other Palmetto Citizens debit and credit cards (even with other members) for greater reward options..