The Palmetto Citizens Federal Credit Union All Credit Levels is a cdfi lender from Palmetto Citizens Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 3.99%. Approval typically requires a credit score of 650-700 or higher. Rewards: Members enjoy better rates, fewer fees, and personalized service.. This product reports activity to your personal credit report. Palmetto Citizens Federal Credit Union is a member-focused financial institution based in Columbia, SC, dedicated to providing accessible banking services and supporting local charitable initiatives. They serve the Midlands community, offering a range of financial products including auto loans, credit cards, and personal loans. Services include: auto loans, credit cards, personal loans. US Treasury certified CDFI Credit Union in Columbia, SC. Membership required.