Carolina Trust Federal Credit Union

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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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 (2006 and newer)	as low as 2.99% APR**
New / Used Vehicle Secured	49-60 months and up to 5 model years old (2008 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 (2010 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 (2012 and newer)	as low as 5.24% APR**
Used Vehicle Secured	Up to 36 months for 8 model years old or older (2005 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 5/16/13.
*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 (2008 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 (2008 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 (2008 and newer)	as low as 6.24% APR**

These rates were last reviewed and/or updated on 5/16/13. 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 5/16/13.
*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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