Carolina Trust Federal Credit Union

Overview / Commentary
1010 21st Ave N
Myrtle Beach, SC 29577

Carolina Trust Federal Credit Union is headquartered in Myrtle Beach and is the 14th largest credit union in the state of South Carolina. It is also the 842nd largest credit union in the nation. It was established in 1958 and as of December of 2022, it had grown to 91 employees and 39,511 members at 7 locations. Carolina Trust Federal Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Carolina Trust Federal Credit Union is open to those who reside, regularly conduct business or work, volunteer, attend school or worship in Georgetown, Horry, Marion, southern part of Florence County (south of Lynches River), Williamsburg, South Carolina or Brunswick County in North Carolina. Family of credit union members are also eligible.
See current membership details


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #12361
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD12.18%
Annual Interest Income$12.7MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$394.9MM$370.8MM
LoansQ4 2022vs Q4 2021$268.3MM$220.3MM
DepositsQ4 2022vs Q4 2021$359.6MM$336.1MM
Equity CapitalQ4 2022vs Q4 2021$29.9MM$30.5MM
Loan Loss AllowanceQ4 2022vs Q4 2021$2.8MM$2.7MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$3.0MM$2.2MM
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Carolina Trust Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Carolina Trust Federal Credit Union Savings Account Rates

0.25%--IRA Savings Account
0.25%--Coverdell Education Savings Account (ESA)
0.18%$5-Christmas Club Account
0.18%--Health Savings Account (HSA)
0.13%--Health Savings Account (HSA Checking)
0.10%$100-Primary Share Savings
0.10%$25-Goal Club Youth Account
0.10%$100-Business Savings

Carolina Trust Federal Credit Union Money Market Rates

2.27%*$250k*-Money Market Account
OTHER TIERS: 1.01% $2.5k - $5k | 1.26% $5k - $25k | 1.51% $25k - $100k | 2.02% $100k+

Carolina Trust Federal Credit Union Checking Account Rates

0.05%$250-Direct Checking
0.05%$250-50 Plus Checking
0.05%$500-Business Plus Checking

Carolina Trust Federal Credit Union CD Rates

3.04%$250-24 Month CD
3.04%$250-18 Month Variable Rate CD
2.94%$250-36 Month CD
2.89%$250-48 Month CD
2.84%$250-18 Month CD
2.84%$250-60 Month CD
2.02%$250-12 Month CD
1.76%$100$50012 Month Money Builder Small Term CD
1.21%$250-6 Month CD
0.95%$250-3 Month CD

Carolina Trust Federal Credit Union IRA Rates

3.04%$250-24 Month IRA
3.04%$250-18 Month Variable Rate IRA
2.94%$250-36 Month IRA
2.89%$250-48 Month IRA
2.84%$250-18 Month IRA
2.84%$250-60 Month IRA
2.02%$250-12 Month IRA
1.21%$250-6 Month IRA

Carolina Trust Federal Credit Union Locations
Branch Office1610 Highway 17 S Ste CSurfside Beach, SC 29575-6082
Branch Office422 N Georgetown HwyJohnsonville, SC 29555-8056
Branch Office219 W Main StLake City, SC 29560-2427
Branch Office1010 21st Ave NMyrtle Beach, SC 29577-7485
Branch Office2518 Main StConway, SC 29526-3365
Branch Office4254 Holmestown RdMyrtle Beach, SC 29588-7839
Branch Office1602 Highway 17Little River, SC 29566

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.