Carolina Trust Federal Credit Union


Overview / Commentary
843-448-2133
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 851st largest credit union in the nation. It was established in 1958 and as of December of 2023, it had grown to 92 employees and 40,544 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

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Health
B+

Health Grade Components

Overall
NCUA #12361
Year Chartered1958
Employees92
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD6.69%
Annual Interest Income$15.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$391.7MM$394.9MM
LoansQ4 2023vs Q4 2022$283MM$268.3MM
DepositsQ4 2023vs Q4 2022$354.4MM$359.6MM
Equity CapitalQ4 2023vs Q4 2022$33.1MM$29.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$3MM$2.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$2.3MM$3MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.05%$100-Business Savings

Carolina Trust Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$250k*-Money Market Account
OTHER TIERS: 1.00% $2.5k - $25k | 1.16% $25k - $50k | 1.41% $50k - $100k | 1.66% $100k - $250k

Carolina Trust Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$250-Direct Checking
0.05%$250-50 Plus Checking
0.05%$500-Business Plus Checking

Carolina Trust Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.81%$250-6 Month Regular Share Certificate
3.56%$250-12 Month Regular Share Certificate
3.30%$250-18 Month Regular Share Certificate
3.30%$250-18 Month Variable Rate Share Certificate
3.04%$100$50012 Month Money Builder Small Term CD
3.04%$250-24 Month Regular Share Certificate
2.94%$250-36 Month Regular Share Certificate
2.89%$250-48 Month Regular Share Certificate
2.84%$250-60 Month Regular Share Certificate
2.27%$250-3 Month Regular Share Certificate

Carolina Trust Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.81%$250-6 Month IRA Share Certificate
3.56%$250-12 Month IRA Share Certificate
3.30%$250-18 Month IRA Share Certificate
3.30%$250-18 Month Variable Rate IRA Share Certificate
3.04%$250-24 Month IRA Share Certificate
2.94%$250-36 Month IRA Share Certificate
2.89%$250-48 Month IRA Share Certificate
2.84%$250-60 Month IRA Share Certificate
Locations


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

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