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It is extremely easy to join our unique, not-for-profit financial cooperative. We serve individuals and business owners who live, work (conduct business in), worship, volunteer or attend school in Horry, Georgetown, Marion, Williamsburg or Florence County (south of Lynches River), SC and Brunswick County, NC. Relatives of members are also eligible to join.

When joining Carolina Trust Federal Credit Union, you will need to open a savings account with a minimum balance deposit of $50.00 (for business account holders). All new Credit Union members are required to complete a Membership Application as well as a Business Resolution Agreement when opening a business account. These forms will be provided to you by a Carolina Trust Representative.

For any questions related to Business accounts or loans, please contact our Business Services team.

If you are opening a Business checking account, please be prepared to provide the following information:

Information needed by Carolina TrustSole Owner/ProprietorshipCorporationLimited Liability CorpGeneral PartnershipLimited Partnership/Liability PartnershipAssociation/Non-Profit Organization
Social Security Number for Any Authorized Signer
Driver's License for Any Authorized Signer
Tax Identification Number (TIN)
If Applicable
Business License
Articles of Incorporation
Articles of Organization (LLC-1)
Operation Agreement
Partnership Agreement
Limited Partnership Agreement with All Amendments
Corporate/Organization Resolution for Authorized Signers
Meeting Minutes Stating Account Opening Instructions
Minutes Authorizing Signers and Confirming Non-Profit Status
Assumed Name Certificate
Certified Copy of Resolution
Certificate of Limited Partnership/ Limited Liability Partnership
Certificate of Good Standing from Secretary of State
If Applicable

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