Mailing Address: PO Box 780004, Myrtle Beach, SC 29578-7804
Phone: (843) 448-2133 / Hours & Locations / Contact Us
Lost or Stolen Cards: Debit: 1-888-918-7810 and Credit: 1-800-654-7728

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Home Loans
New and Used Vehicle Loan Rates
Type Features  and/or Approximate Term* Annual Percentage Rate (APR)
New / Used Vehicle Secured

Up to 48 months and up to 7 model years old (2007 and newer)

as low as 2.99% APR**
New / Used Vehicle Secured

49-60 months and up to 5 model years old (2009 and newer)

as low as 3.99% APR**
New / Used Vehicle Secured

Up to 72 months for $15,000 or more and up to 3 model years old (2011 and newer)

as low as 4.49% APR**
New / Used Vehicle Secured

Up to 84 months for $25,000 or more and up to 1 model year old
(2013 and newer)

as low as 5.24% APR**
Used Vehicle Secured Up to 36 months for 8 model years old or older (2006 and older)

as low as 5.74% APR**

Green Auto Loan Discount - Receive an additional rate discount of 0.50% APR on qualifying Green Auto Loans.  Qualifying vehicles will have the EPA's SmartWay® designation at the time of loan approval. The vehicle cannot be older than 5 years. The rate discount will be applied to the approved loan rate financed at the Credit Union. Loans financed at the dealer and existing Credit Union auto loans are not eligible for discount.  Contact Carolina Trust for more details.
 
These rates were last reviewed and/or updated on 12/19/14.
*The approximate term used to calculate payments for the Credit Union's loan products. Loan approval and approved Annual Percentage Rate (APR) are based on credit worthiness. **Advertised APR includes a 0.25% rate reduction for automatic draft. Approved auto loan rate will not be lower than 2.99% APR, including applicable discount(s). Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details.   Financing Example: An auto loan of $15,000 at 3.99% APR for a term of 60 months would result in a monthly payment of approximately $277.  Payment estimations do not include GAP or warranty products.

 



Other Vehicles
Type Features and/or Approximate Term* Annual Percentage Rate (APR)
Boats, Recreation Vehicles, Jet Skis and Motorcycles

Up to 60 months and up to 5 model years old (2009 and newer)

as low as 5.24% APR**
Boats, Recreation Vehicles, Jet Skis and Motorcycles

61-96 months for $25,000-$49,999 and up to 5 model years old (2009 and newer)

as low as 5.99% APR**
Boats, Recreation Vehicles, Jet Skis and Motorcycles

97-180 months for $50,000 or more and up to 5 model years old (2009 and newer)

as low as 6.24% APR**

These rates were last reviewed and/or updated on 12/19/14.  Call for loan rate information on farm equipment.
*The approximate term used to calculate payments for the Credit Union's loan products. Loan approval and approved Annual Percentage Rate (APR) are based on credit worthiness. **Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details.   Financing Example: A boat loan of $25,000 at 5.24% APR for a term of 60 months would result in a monthly payment of approximately $475.
 



Credit Card Rates
Type Features Annual Percentage Rate (APR)
VISA® Platinum Credit Card No Annual or Balance Transfer Fees as low as 9.90% 1 APR
VISA® Classic Credit Card No Annual or Balance Transfer Fees as low as 13.90% APR
Secured VISA® Classic Card No Annual Fee as low as 14.90% APR

Loan approval and approved Annual Percentage Rate (APR) are based on credit worthiness.
1
Must be a borrower with a minimum annual income of $25,000.
 



Personal Loans and Lines of Credit

Type Features and/or Approximate Term* Annual Percentage Rate (APR)
Personal Loan
 
 
up to 24 months for $500-$2,500 as low as 10.74% APR**
36 months for $2,501-$10,000 as low as 8.74% APR**
60 months for $10,001 or more as low as 6.74% APR**
Personal Line of Credit Also utilized as an Overdraft Line of Credit as low as 12.00% APR**

These rates were last reviewed and/or updated on 12/19/14.
*The approximate term used to calculate payments for the Credit Union's loan products. Loan approval and approved Annual Percentage Rate (APR) are based on credit worthiness. **Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details.   Financing Example: A personal loan of $10,000 at 6.74% APR for a term of 60 months would result in a monthly payment of approximately $197.
 





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