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Our roots began serving those who serve.

Our Promise

Every day, we work tirelessly to deliver remarkable service, so that our members receive the compassionate knowledgeable, and personal experience they deserve.

Our Promise

We are a diverse team of purpose-driven people who are inspired by and bound together by our passion for taking care of one another, our members, and our communities. We always remember, we are in the relationships business, starting with our team members.

Our Mantra

We’ve been putting people ahead of profits since the day we started.

Our History

Carolina Trust’s story began in 1958 as Myrtle Beach Air Force Base Federal Credit Union, serving the financial needs of military personnel and civil service employees.

With a desire to expand our service reach and directly influence the financial opportunities for individuals, families and small businesses in surrounding communities, the Credit Union applied for and received a Community Charter. In October 2001, we began serving those who live, work, worship, volunteer or attend school in Horry, Georgetown, Marion, Williamsburg, and southern Florence County. Carolina Trust was thrilled to remove membership barriers so that more people could experience the Credit Union difference and a lower-cost banking alternative. Then, in 2018, we broadened our service area even further by expanding into Brunswick County, NC – less than 2 miles away from our Little River branch.

Our Mission

Preserving our past, improving our present, building our future: owners serving owners.

Our mission statement is a reminder of why our Credit Union was formed —

  • To remain true to our not-for-profit roots where people help people and we put members’ needs ahead of profits.
  • To seek innovative ways to provide secure, reliable and convenient services and consumer-friendly accounts to members who have unique financial needs.
  • To ensure our viability through relationship building, financial education, community outreach and a celebrated workplace environment.

Who We Are

At our core, we are people helping people.  Since 1958, we’ve been helping people achieve their financial goals, small businesses get the financing they need, and our employees expand their career potential. Additionally, we actively support our local schools and charitable organizations. We want our members and employees to feel good about the good we do in their communities, and we will continue to build this reputation one relationship at a time.

Community Development Mission Statement

Carolina Trust Federal Credit Union is dedicated to addressing the distinct financial needs of the unbanked and underserved within our communities. We strive to overcome the unique challenges faced by these individuals, fostering positive and enduring change through tailored financial solutions and inclusive community development initiatives.

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