The credit union opened for business on January 4, 1954, in a small corner room furnished by the railroad, adjacent to the passenger station. The name of the credit union began as Florence ACL Employees Credit Union, changed to Florence SCL Employees Credit Union, then to Florence Seaboard Credit Union, and finally to Seaboard Trust Federal Credit Union. These name changes reflect the many changes that the railroads have seen over the years. Through the years, Seaboard Trust Federal Credit Union has relied on the support of railroad employees and their families to become the strong financial institution that it is today. Seaboard Trust is fortunate to have added several other employer groups, growing the current membership to over 7, 000.
On January 1, 2004 Seaboard Trust changed their name to Palmetto First Federal Credit Union to reflect their change in charter. We were approved for a community charter, which allows all persons who live, work, worship, attend school, or business and other legal entities located in Florence County to join Palmetto First.To obtain membership to Palmetto First Federal Credit Union you must live, work, worship, or attend school in Florence County.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154