PERSONAL BUSINESS RESOURCES SERVICES ABOUT US Small Business Savings Accounts Business savings accounts are available to help maximize your earnings on liquid funds. For more information, or to open your account, call or visit a Member Service Representative today. Account Options Share Savings - To begin utilizing the benefits of Palmetto Citizens, simply open a share account with as little as $25. This deposit maintains your business' credit union membership and provides access to a variety of products and services.* Term Certificates - Available from 3 to 84-month terms, all require only a $500 minimum balance with higher balances yielding higher rates. View our current rates for more information. Money Market Accounts* - This is an ideal way to invest money without tying it up for a set term. Earn a higher rate than most savings accounts and dividends are paid monthly. Open your account today with as little as $2,000; higher balances yield higher rates. Premium Sweep Account - Designed to earn business members higher interest, money above a pre-determined balance will be swept from your checking account into an interest bearing Premium Sweep Money Market Account.** As necessary, funds are swept back into the checking account based upon your pre-determined balance. Health Savings Accounts - A Health Savings Account (HSA) can reduce health care insurance cost for employers and employees. Paired with a high-deductible health plan, it is a tax-advantaged*** savings plan that allows the account holder and/or employer to put in pre-taxed money to use for qualified medical expenses. There is no minimum balance to establish, no service charges are imposed and dividends are paid monthly. A HSA-qualified High Deductible Health Plan is required; contact your plan's provider to see if you qualify. *Palmetto Citizens offers small business accounts to sole proprietorships, corporations (profit & non-profit), partnerships/limited partnerships, LLC's and organizations. Certain restrictions may apply. **Six (6) withdrawals and eight (8) deposits (excluding sweep transfers) allowed per month. $2,000 minimum balance should be maintained to avoid service charges. ***Not intended as tax advice; consult your tax advisor. © 2021 PCFCU | Privacy Policy