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Joining Carolina Trust is easy!

Become a member of our credit union and become a part owner … and part family.

Carolina Trust is better than any bank. We work hard for you — not stockholders.

We have been putting people ahead of profits since 1958. We invite you to check out what #creditunionlife is all about!

Carolina Trust Federal Credit Union is 39,000 members strong, and growing. If you live, work, worship, volunteer or attend school in Horry, Georgetown, Marion, Williamsburg or the southern part of Florence County, South Carolina or Brunswick County, North Carolina you are eligible to join. All you need is $25 initial deposit for your Share Savings account.

Carolina Trust benefits include lower rates and personal service. Your membership in Carolina Trust represents a share in ownership. We pride ourselves on serving our members best interests. That’s why Carolina Trust doesn’t have any stockholders.

Here are just a few reasons:

Ready to Join?

You can do it three different ways.


Apply online from your computer or mobile device. Our online application is safe, secure and easy to use.


Download and print our Membership Account Application and have it notarized. Then, mail it to us with proof of identification and a check for $30 to cover your initial deposit and membership fee.

  • Carolina Trust Federal Credit Union
    PO Box 780004
    Myrtle Beach, SC 29578-7804

Visit a Branch

Visit one of our 7 branches and one of our Member Service Representatives will be glad to help you apply to be a member.

Open an Account

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