Carolina Trust Credit Union

1010 21st Avenue North, P.O.Box 780
Myrtle Beach, SC 29578
(843) 448-2133
www.carolinatrust.org

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Carolina Trust Credit Union is headquartered in MYRTLE BEACH and is the 13^st largest credit union in the state of South Carolina. It is also the 996^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 61 employees and 32,694 members. Carolina Trust Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Carolina Trust Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Business Plus Checking
0.03%	$250	-	Direct Checking
0.03%	$2,500	-	50 Plus Checking

Carolina Trust Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	IRA Savings
0.50%	-	-	Health Savings Account (HSA)
0.50%	-	-	Coverdell Education Savings Account (ESA)
0.50%	-	-	Roth IRA Savings
0.25%	-	-	Christmas Club
0.25%	-	-	HSA Checking
0.15%	$100	-	Money Builder Small Term Share Certificate
0.05%	-	-	Primary Share Savings
0.05%	-	-	Basic Savings
0.05%	-	-	Goal Club Youth

Carolina Trust Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$100k	-	Money Market Account

Carolina Trust Credit Union CD Rates

Apy	Min	Max	Product
1.20%	$250	-	60 Month Regular Share Certificate
0.95%	$250	-	48 Month Regular Share Certificate
0.70%	$250	-	36 Month Regular Share Certificate
0.60%	$250	-	18 Month Variable Rate Share Certificate
0.50%	$250	-	24 Month Regular Share Certificate
0.40%	$250	-	18 Month Regular Share Certificate
0.30%	$250	-	12 Month Regular Share Certificate
0.25%	$250	-	6 Month Regular Share Certificate
0.20%	$250	-	3 Month Regular Share Certificate

Carolina Trust Credit Union IRA Rates

Apy	Min	Max	Product
1.20%	$250	-	60 Month IRA Certificate
1.20%	$250	-	60 Month Roth IRA Certificate
0.95%	$250	-	48 Month IRA Certificate
0.95%	$250	-	48 Month Roth IRA Certificate
0.70%	$250	-	36 Month IRA Certificate
0.70%	$250	-	36 Month Roth IRA Certificate
0.60%	$250	-	18 Month Variable Rate IRA Certificate
0.60%	$250	-	18 Month Variable Rate Roth IRA Certificate
0.50%	$250	-	24 Month IRA Certificate
0.50%	$250	-	24 Month Roth IRA Certificate
0.40%	$250	-	18 Month IRA Certificate
0.40%	$250	-	18 Month Roth IRA Certificate
0.30%	$250	-	12 Month IRA Certificate
0.30%	$250	-	12 Month Roth IRA Certificate
0.25%	$250	-	6 Month IRA Certificate
0.25%	$250	-	6 Month Roth IRA Certificate

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

CAROLINA TRUST
NCUA #	12361
BankRate Report	View
Year Chartered	1958
Employees	61
Primary Regulator
Assets and Liabilities
Assets	$162.36 million
Loans	$84.79 million
Deposits	$144.72 million
Equity Capital	$16.13 million
Loan Loss Allowance	$2.37 million
Unbacked Noncurrent Loans	$2.55 million
Real Estate Owned	$266,000
Historic Data - December 2010
Assets	$152.81 million
Equity Capital	$13.94 million
Loan Loss Allowance	$1.76 million
Unbacked Noncurrent Loans	$2.40 million
Profit Margin - Quarterly
Net Interest Margin	6.61%
Return on Assets	1.29%
Return on Equity	13.02%
Interest Income	$6.56 million
Non-Interest Income	$4.64 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Carolina Trust Credit Union had $2.81 million in non-current loans and owned real-estate with $18.49 million in equity and loan loss allowances on hand to cover it. This gives Carolina Trust Credit Union a Texas Ratio of 15.21% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Carolina Trust Credit Union held steady from 15.26% as of December 31, 2010 to 15.21% as of December 31, 2011, resulting in a positive change of 0.33%.This indicates that the balance sheet and financial strength for Carolina Trust Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Carolina Trust Credit Union has increased its total deposits by $7.85 million, resulting in 5.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Carolina Trust Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Carolina Trust Credit Union has $162.36 million in assets with $18.49 million in equity, resulting in a capitalization level of 11.39%, which is above average.

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