Palmetto Trust Federal Credit Union offers many of the same services as the mega banks, but with the personality and familiarity of a hometown bank. Checking, savings, credit cards, business and personal loans and mortgages are all offered at Palmetto Trust Federal Credit Union. A minimum of $10 is required to open an account and once that account is built to $25, the customers becomes a full fledged member of Palmetto Trust Federal Credit Union.