NOTICE: Masks required to enter our offices in unincorporated portions of Richland County. LEARN MORE PERSONAL BUSINESS RESOURCES SERVICES ABOUT US SEARCH Help Support Harvest Hope Join us in supporting our local food bank, and make a donation online or in our offices this month. LEARN MORE» Previous Next ACCOUNT LOGIN USERNAME PASSWORD New User? Sign Up Forgot Username or Password? RESOURCES Financial tools and calculators to help you manage your money. LOCATIONS Find our closest Service Center or no surcharge ATM. CALENDAR Learn about our financial education seminars and other events. News & Notes Financial Tip of the Week: Thinking of buying a home? Pay off all debt and build an emergency fund first. Owning a home is expensive- much more expensive than renting, even if your monthly house payment will be similar or cheaper than your current rent amount. That's because when you own a home, you're responsible for all the maintenance and upkeep costs. And those can add up fast! Halloween 2021 Recap Palmetto Citizens in the Community $10,000 awarded to both the Lexington Medical Center and Prisma Health Breast Cancer Centers © 2021 PCFCU | Privacy Policy | Routing Number: 253978617 | Mailing Address: PO Box 5846, Columbia, SC 29250 *Based on minimum approved line of credit (LOC) of $15,000; approved LOC below $15,000 requires $175 in closing costs, LOC must be opened a minimum of six months; closing costs based upon approved charges. Credit is subject to approval. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be an owner occupied home, second or vacation home. The minimum loan line of credit amount is $5,000. Repayment period is based upon amount outstanding: $0 - $9,999.99 - ten year repayment. $10,000 & above - up to fifteen years repayment. Term for second/vacation home is 180 mos. The line may not exceed 90% of the appraised value less the first mortgage balance. Loan fees and closing costs vary up to $175. Flood and/or property hazard insurance may be required. Other restrictions may apply. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.