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Mortgage Rates

Loan TypeInterest RateAnnual Percentage Rate (APR)*
15-year Fixedas low as 3.25%3.74% APR
20-year Fixedas low as 3.5%3.88% APR
5/1 Adjustable Rate Mortgage (ARM)as low as 3.125%3.39% APR
Land Loanas low as 5.25%5.84% APR
Manufactured Home Loanas low as 3.75%4.25% APR

Conventional and Government Loan Programs Rates

Loan TypeInterest RateAnnual Percentage Rate (APR)*
30-Year Fixedas low as 3.375%3.621% APR
FHAas low as 3.375%3.621% APR
USDAas low as 3.875%4.128% APR
VAas low as 3.375%3.621% APR

These rates were last reviewed and/or updated on 3/24/2020.

*Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. Loan type subject to property and borrower qualifications. Estimated fees only and subject to change. Advertised rates are subject to change without notice.
This example is based on a purchase transaction of a single family primary residence with estimated closing costs of $3,100 and a credit score of 700 or above. Payment example: On a $100,000 purchase price with 10% down payment, amount financed would be $90,000 for a 15 year term and an interest rate of 3.25% would result in a monthly principal and interest payment of $632.40 at 3.74% APR and no Private Mortgage Insurance (PMI) required.

HELOC Rates

Loan Type Interest RateAnnual Percentage Rate (APR)*
12-Year Home Equity Loanas low as 4.75%5.46%
15-Year Home Equity Line of Creditas low as 4.50%will not exceed 15.50%

These rates were last reviewed and/or updated on 3/17/2020.

*Loan approval and Annual Percentage Rate subject to credit worthiness. Loan type subject to property and borrower qualifications. Certain restrictions apply. The 12-Year Home Equity Loan fixed rate is as low as the 15-Year in-house first mortgage rate plus 1.50% APR for qualified borrowers. The 15-Year Home Equity Line of Credit variable rate is based on the highest prime rate published in the “Money Rates Table” of the Wall Street Journal on the 20th of each month. Prime Rate is variable; as it changes, the APR on a home equity line of credit account also changes. Maximum rate for a home equity line of credit is 15.50% APR. The floor rate for a home equity line of credit is 3.50%.

Vehicle Loan Rates

TypeUp to 36 months APR as low as*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
2020 and Newer model years2.25%2.25%2.29%3.04%3.54%
Used Vehicles
2020 and 2019 model years2.34%2.34%2.54%3.29%3.79%
2018, 2017, and 2016 model years2.54%2.54%3.04%3.54%
2015 and 2014 model years2.79%2.79%3.54%
2013 and older model years4.54%
^ $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
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 12/17/19.
*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 0.75% rate reduction contingent on a loan-to-value less than 80%. Approved auto loan rate will not be lower than 2.25% 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 2.25% APR for a term of 48 months would result in a monthly payment of approximately $327.07.  Payment estimations do not include GAP or service agreement products.

Boats, RV, Motorcycle & Jet Ski Rates

TypeFeatures and/or Approximate Term*Annual Percentage Rate (APR)*
Boats, Recreation Vehicles, Jet Skis and MotorcyclesUp to 60 monthsas low as 4.24% APR**
61-96 months
($25,000 - $49,999)
as low as 5.74% APR**
97-180 months
($50,000+)
as low as 7.24% APR**

These rates were last reviewed and/or updated on 12/17/19.  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 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 4.24% APR for a term of 60 months would result in a monthly payment of approximately $463.13. Payment estimations do not include GAP service agreement products.

Personal Loan Rates

TypeFeatures and/or Approximate Term*Annual Percentage Rate (APR)*
Personal Loanup to 24 months for $500-$2,499as low as 9.95% APR1
36 months for $2,500-$4,999as low as 9.95% APR1
48 months for $5,000-$9,999as low as 9.95% APR1
60 months for $10,000 or moreas low as 9.95% APR2
Personal Line of CreditAlso utilized as an Overdraft Line of Creditas low as 12.00% APR
Energy Smart Loan48 months up to $4,999as low as 5.74% APR1
72 months for $5,000-$10,000as low as 7.24% APR1
Credit Builder Loan6 - 12 months for $500-$1,00012.00% APR
Share Secured Variable Rate LoanTerm Relative to Pledged Account Balance3.00% higher than pledged Share APY2
Certificate Secured Fixed Rate Loan
Term Relative to Certificate Maturity Date2.00% higher than pledged Fixed Rate Certificate APY3

These rates were last reviewed and/or updated on 12/17/19.

*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 9.95% APR for a term of 60 months would result in a monthly payment of approximately $212.12.
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.

Credit Card Rates

Visa Credit CardConditionsAPR as low as*
Lime EssentialsVariable, rate subject to Prime Rate changes9.24%
LimeRewardsVariable, rate subject to Prime Rate changes, Reward options11.24%
LimeRewards+Variable, rate subject to Prime Rate changes, Reward options12.24%
SecuredVariable, rate subject to Prime Rate changes, $30 annual fee17.99%
Goal ClubVariable, rate subject to Prime Rate changes9.24%
Platinum Business**Fixed Rate, $50 annual fee9.99%

These rates were last reviewed and/or updated on 3/4/20.

*Approved Annual Percentage Rate and credit limit subject to credit worthiness. Promotional rates may apply from time to time based on qualifications. Balance Transfer Fee is 3% or $10 whichever is greater; Cash Advance Fee is 3% or $10 whichever is greater. Purchases, Balance Transfers and Cash Advances are charged at the same rate. If balance is not paid in full monthly, then minimum payment due is 2% of outstanding balance or $25 whichever is greater. **Business credit card terms and/or fees are different than consumer credit cards.

Savings Account Rates

SavingsFeatures Annual Percentage Yield*
Primary Share / Business Savings$100 Minimum Monthly Balance to Earn Dividends0.100%
Christmas Club AccountFunds transfer to savings Nov. 1st0.25%
Goal Club Youth AccountMinimum Monthly Balance to earn dividends- $250.100%
IRA Savings Account**Retirement savings0.35%
Health Savings Account (HSA)**For high deductible health plans0.25%
Coverdell Education Savings Account (ESA)**Save for educational expenses0.35%

These rates were last reviewed and/or updated on 1/29/2020

*Rates are subject to change monthly without prior notice. There is a $10 fee for making a Christmas Club withdrawal after the seventh day from account opening.  Primary Share accounts and Goal Club youth savings accounts are subject to an excessive withdrawal fee of $2 if more than four withdrawals are made during a calendar month. **Consult your tax advisor regarding IRA, HSA, and ESA contributions.

Checking Account Rates

CheckingFeaturesAnnual Percentage Yield*
Direct**Direct deposit required0.030%
50 Plus**For members age 50 and older0.030%
Business Plus0.035%
HSA***Offers convenient VISA debit card access0.15%

These rates were last reviewed and/or updated on 1/29/2020

*Rates are subject to change monthly without prior notice. **For Direct Checking, dividends are paid on minimum monthly balance of $250. For 50 Plus Checking, an increase of 0.025% to the standard rate is earned if combined savings and checking balance does not fall below $2,500. If combined balance falls below $2,500, then the Direct Checking rate is earned on a monthly checking balance of $250 or greater. ***Consult your tax advisor regarding HSA accounts.

Money Market Account Rates

Money MarketFeaturesAnnual Percentage Yield*
Money Market$2,500 to $4,999.00 Balance0.15%
$5,000 to $24,999.99 Balance0.20%
$25,000 to $99,999.99 Balance0.30%
Balance of $100,000 or greater0.40%

These rates were last reviewed and/or updated on 3/17/2020.

*Rates are subject to change monthly without prior notice.
If account balance falls below $2,500 within a month, then a fee will be assessed and no dividends will be awarded that month.  If more than 3 withdrawals are made from the account during a month, then a fee will be assessed for each withdrawal over three.

Share Certificate Rates

Account Type and TermFeaturesAnnual Percentage Yield*
12 Month Money Builder Small Term Share Certificate$100 Minimum Balance0.65%
3 Month Regular Share Certificate$250 Minimum Balance0.25%
6 Month Regular Share Certificate$250 Minimum Balance0.40%
12 Month Regular Share Certificate$250 Minimum Balance0.65%
18 Month Regular Share Certificate$250 Minimum Balance0.70%
24 Month Regular Share Certificate$250 Minimum Balance0.80%
36 Month Regular Share Certificate$250 Minimum Balance0.90%
48 Month Regular Share Certificate$250 Minimum Balance1.05%
60 Month Regular Share Certificate$250 Minimum Balance1.15%

These rates were last reviewed and/or updated on 3/17/2020.

*Rates are subject to change weekly without prior notice.
Certificates subject to penalty for early withdrawal.  Withdrawals will reduce earnings.

Share Certificate Rates (Variable)

Account Type and TermFeaturesAnnual Percentage Yield*
18 Month Variable Rate Share Certificate$250 Minimum Balance0.90%
18 Month Variable Rate IRA Certificate$250 Minimum Balance0.90%

These rates were last reviewed and/or updated on 3/17/2020.

*Variable Rates are subject to change on the last Thursday of the month without prior notice.
Variable Rate Certificates subject to penalty for early withdrawal.  Withdrawals will reduce earnings.

IRA Certificate Rates

Account Type and TermFeaturesAnnual Percentage Yield*
6 Month IRA Share Certificate$250 Minimum Balance0.40%
12 Month IRA Share Certificate$250 Minimum Balance0.65%
18 Month IRA Share Certificate$250 Minimum Balance0.70%
24 Month IRA Share Certificate$250 Minimum Balance0.80%
36 Month IRA Share Certificate$250 Minimum Balance0.90%
48 Month IRA Share Certificate$250 Minimum Balance1.05%
60 Month IRA Share Certificate$250 Minimum Balance1.15%

These rates were last reviewed and/or updated on 3/17/2020.

*Rates are subject to change weekly without prior notice.
IRA Certificates subject to penalty for early withdrawal.  Withdrawals will reduce earnings.

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