Vehicle Loan Rates
| Type | Up to 48 months APR as low as* | 49-60 months APR as low as* | 61-72 months APR as low as*^ | 73-84 months APR as low as*^ |
|---|---|---|---|---|
| New Vehicles | ||||
| 2025 and Newer model years | 5.25% | 5.29% | 5.44% | 5.80% |
| Used Vehicles | ||||
| 2025 and 2024 model years | 5.25% | 5.44% | 5.59% | 6.04% |
| 2023, 2022, and 2021 model years | 5.59% | 6.04% | 6.54% | 7.04** |
| 2020 and 2019 model years | 5.84% | 6.59% | ||
| 2018 and older model years | 7.59% |
| ^ $25,000 is the minimum amount to be financed for an 84-month term and $15,000 is the minimum amount to be financed for a 72-month term
**2023 model year only, $25,000 is the minimum amount to be financed for a 73-month term. |
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| Green Auto Loan Discount – Receive an additional rate discount of 0.25% 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 01/06/2025. |
*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. Advertised APR includes a 0.25% rate reduction for automatic draft and a 0.25% rate reduction contingent on a loan-to-value less than 80%. Approved auto loan rate will not be lower than 5.25% 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 5.25% APR for a term of 48 months would result in a monthly payment of approximately $347.14. Payment estimations do not include GAP or service agreement products.
Boat Rates
| Type | Up to 60 months APR as low as* | 61-144 months APR as low as*^ | 145-180 months APR as low as*^ |
|---|---|---|---|
| New Boats | |||
| 2024 and Newer Model Years | 6.99%** | 7.39%** | 7.64%** |
| Used Boats | |||
| 2025, 2024, 2023, 2022, and 2021 model years | 7.89%** | 8.39%** | 8.89%** |
RV, Motor Home, 5th Wheel, and Pull-Along Camper Rates
| Type | Features and/or Approximate Term* | Annual Percentage Rate (APR)* |
|---|---|---|
| RV, Motor Homes, 5th Wheels, and Pull-Along Campers | Up to 60 months | as low as 7.19% APR** |
| 61-96 months ($25,000 - $49,999) | as low as 7.59% APR** | |
| 97-180 months ($50,000+) | as low as 7.84% APR** |
Motorcycle, ATV, and Jet Ski Rates
| Type | Features and/or Approximate Term* | Annual Percentage Rate (APR)* |
|---|---|---|
| Motorcycle, ATV, and Jet Ski | Up to 60 months | as low as 7.44% APR** |
^ $25,000 is the minimum amount to be financed for a 61-144 months term and $50,000 is the minimum amount to be financed for a 145-180 months term
Call for loan rate information on farm equipment.
These rates were last reviewed and/or updated on 01/22/2025.
*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to 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 7.39% APR for a term of 96 months would result in a monthly payment of approximately $345.72. Payment estimations do not include GAP service agreement products.
| Type | Features and/or Approximate Term* | Annual Percentage Rate (APR)* |
|---|---|---|
| Personal Loan | up to 24 months for $500-$2,499 | as low as 8.75% APR1 |
| 36 months for $2,500-$4,999 | as low as 8.75% APR1 | |
| 48 months for $5,000-$9,999 | as low as 8.75% APR1 | |
| 60 months for $10,000 or more | as low as 8.75% APR1 | |
| Debt Consolidation | up to 24 months for $500-$2,499 | as low as 8.75% APR1 |
| 36 months for $2,500-$4,999 | as low as 8.75% APR1 | |
| 36 months for $2,500-$4,999 | as low as 8.75% APR1 | |
| 60 months for $10,000 or more | as low as 8.75% APR2 | |
| Personal Line of Credit | Also utilized as an Overdraft Line of Credit | as low as 12.75% APR |
| Health Smart Loan | up to 48 months for up to $5,000 | as low as 9.24% APR1 |
| 60 months for $5,001-$15,000 | as low as 10.24% APR1 | |
| 72 months for $15,001-$25,000 | as low as 11.24% APR1 | |
| Home Smart Loan | up to 48 months for up to $5,000 | as low as 8.24% APR1 |
| 60 months for $5,001-$15,000 | as low as 9.74% APR1 | |
| 72 months for $15,001-$25,000 | as low as 12.24% APR1 | |
| Credit Builder Loan | 6 - 12 months for $500-$1,000 | 12.00% APR |
| Share Secured Variable Rate Loan | Term Relative to Pledged Account Balance | 3.00% higher than pledged Share APY2 |
| Certificate Secured Fixed Rate Loan | Term Relative to Certificate Maturity Date | 2.00% higher than pledged Fixed Rate Certificate APY3 |
These rates were last reviewed and/or updated on 01/13/2025.
*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness.
1Advertised 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 8.75% APR for a term of 60 months would result in a monthly payment of approximately $206.37.
2Loan rate will not be less than 4.00% Annual Percentage Rate.
3Loan rate will not be less than 4.00% Annual Percentage Rate. The 3-month Regular Fixed Rate certificate and IRA Fixed Rate Certificates are not eligible for this loan.
