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0% Introductory Rate for VISA® Cardholders

The Zero Effect Credit Card Promotion

For a limited time, receive a 0% Introductory Rate on all purchases and balance transfers for the first six months* when you open a Carolina Trust VISA® credit card!  Plus, Carolina Trust credit cards have no balance transfer, cash advance or annual fees. Ask how cardholders can earn merchandise or travel rewards points with every purchase!

Rates are as low as 9.90% APR** after promotional period. 

Credit Card Rates and FeesCredit Card AgreementClick Here to Apply for a Carolina Trust Credit Card


 *Limited time introductory offer. After promotional period, standard Annual Percentage Rate will be applied to any new purchases, balance transfers, and cash advances. **Credit approval and Annual Percentage Rate subject to credit worthiness. Membership open to community; not required to apply for credit card but required prior to issuance. Certain restrictions apply. See Credit Union for details. Federally insured by NCUA.


Help4Kids Vienna Sausage Food Drive

Help4Kids Vienna Sausage DriveFor the sixth year, Carolina Trust Federal Credit Union branches in Horry County will serve as a drop off location for the Help4Kids Vienna Sausage Food Drive. Donations will be collected at the Conway, 21st Avenue, Holmestown Road, Surfside and Little River branches beginning June 1 through September 30. In addition to Vienna Sausages, Help4Kids will always accept other individually wrapped snack items, peanut butter, school supplies and monetary donations.

Help4Kids is a local non-profit organization providing basic necessities to children in Horry County. They deliver food and other supplies to children who likely don’t have a meal to eat on the weekends. To learn more about Help4Kids please visit their website.








World's Finest Chocolate Sold Here

American Heart Association FundraiserChocolate lovers, make sure you get your chocolate fix the next time you visit your Credit Union branch. Choose from Milk Chocolate, Milk Chocolate with Almonds, Caramel, Crisp and Dark Chocolate with Almonds.

Each bar sells for $1.00, and proceeds go to the Waccamawa Area American Heart Association. Carolina Trust will have a Heart Walk team at the North Myrtle Beach Park and Sports Complex on Saturday, October 21. Contact the American Heart Association at 843.282.2903 or visit their website to find out how you can register a team or donate to the cause.




Hurricane Preparedness

Hurricane PreparednessAlong with the summertime heat comes Hurricane season. It's never too early to begin making your preparations should a named storm threaten to impact our coast. Even outer lying inland areas can be affected by hurricanes that produce flooding, severe thunderstorms and/or tornado activity. There are a few things to keep in mind related to managing your finances before, during and after a hurricane:

  • Remember to withdraw money before a pending natural disaster. Within a 24-hour period, withdrawals made at Carolina Trust ATM locations are limited to 3 per day or up to $600 cash. You may authorize up to $1,000 in PIN-based transactions or 10 transactions within a 24-hour period and up to $2,000 per day in signature-based transactions. Be cautious about how much money you withdraw since having too much cash on hand or at home can pose a security risk. During any cash withdrawal, be aware of your surroundings and any suspicious persons.
  • Address any financial matters (loan payments, check deposits, transfers, etc.) before a pending hurricane threat. Financial institutions may close early to allow employees time to evacuate or seek shelter and will typically be closed at least two days after a direct hit. Keep in mind that if areas are without electricity, then ATMs, online banking and phone banking could be out of commission even longer.
  • If you pay bills online or by phone, pay them before a hurricane hits, even if they are not due for several days. A hurricane could interrupt phone and Internet service and cause you to miss payments and incur late charges.
  • If paying bills by mail, send payments at least two days before a hurricane is projected to strike. The post office will not pick up mail within 24 hours of an impact. Keep copies of any payments mailed within 3 days of a hurricane making landfall. After a storm, contact any businesses you mailed payments to and confirm they received them.
  • Have a credit card on hand with at least a $1,000 available limit. Use credit cards to finance minimal repairs when necessary. Document any transactions for insurance purposes. Beware of anyone who offers to help after a storm but wants cash only and who is not licensed and bonded. Get receipts for cash purchases before and after a storm.
  • Safeguard your financial records. Store important financial papers in a safe and accessible place. While it is best to store originals in a safe deposit box*, you should also keep copies of your critical documents in a safe, organized location. Don't forget, Carolina Trust's Deluxe Provent ID Protection services offer Online Identity Vault. It functions as a secure digital wallet, encrypted document and image storage, and password management. In the event of a hurricane, you may need to access the following information:
      1. Your insurance policy number and contact information - If you have the agent's information and policy number anyone at that company should be able to assist you through the claims process.
      2. A list of your financial institutions and account numbers - This will help you access your finances during a disaster recovery period. Include bank accounts, investment accounts and credit card numbers. Again, any copy of these details should be securely stored.
      3. A copy of your last two years' income tax returns - If you have to apply for disaster aid relief, you may need income information for a loan.

Oftentimes when making preparations for our families, homes and pets, we forget about our finances or important information we would need following a natural disaster. Hopefully, we won't have to utilize our hurricane preparedness kits this season, but it's a good idea to keep these reminders in your kit just in case. For additional information on hurricane preparedness, visit the South Carolina Emergency Management Division website.

*Please note: safe deposit box contents are not insured by financial institutions. Consumers wanting coverage on the box's contents should contact their insurance provider. 


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