You can also convert String to Array of Characters like that:
let text = "My Text"
let index = 2
let charSequence = text.unicodeScalars.map{ Character($0) }
let char = charSequence[index]
This is the way to get char at specified index in constant time.
The example below doesn't run in constant time, but requires linear time. So If You have a lot of searching in String by index use the method above.
let char = text[text.startIndex.advancedBy(index)]