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  • Vehicle Loans
  • Credit Cards
  • Personal Loans
  • Savings
  • Checking
  • Money Market
  • Certificates
  • Mortgages

New & Used Vehicles

Type Features  and/or Approximate Term* Annual Percentage Rate (APR)
New / Used Vehicle
Secured

Up to 48 months and up to 7 model years old
(2010 and newer)

as low as 1.99% APR**

49-60 months and up to 5 model years old
(2012 and newer)

as low as 1.99% APR**

Up to 72 months for $15,000 or more and up to 3 model years old
(2014 and newer)

as low as 2.79% APR**

Up to 84 months for $25,000 or more and up to 1 model year old
(2016 and newer)

as low as 2.79% APR**
Used Vehicle
Secured
Up to 36 months for 8 model years old or older
(2009 and older)

as low as 3.79% APR**

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 04/21/17.
*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 1% rate reduction contingent on 20% down payment. Approved auto loan rate will not be lower than 1.99% 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 1.99% APR for a term of 60 months would result in a monthly payment of approximately $262.90.  Payment estimations do not include GAP or warranty products.


Boats, RV, Motorcycle, Jet Ski

Type Features and/or Approximate Term* Annual Percentage Rate (APR)
Boats, Recreation Vehicles,
Jet Skis and Motorcycles

Up to 60 months and up to 5 model years old
(2012 and newer)

as low as 4.24% APR**

61-96 months for $25,000-$49,999 and up to 5 model years old
(2012 and newer)

as low as 5.74% APR**

97-180 months for $50,000 or more and up to 5 model years old
(2012 and newer)

as low as 7.24% APR**

These rates were last reviewed and/or updated on 04/21/17.  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 $463.31.  Payment estimations do not include GAP or warranty products.




Credit Cards

Type Features Annual Percentage Rate (APR)
VISA® Platinum
No Annual or Balance Transfer Fees as low as 9.90% 1 APR

VISA® Classic

No Annual or Balance Transfer Fees as low as 13.90% APR
Secured VISA®
No Annual Fee as low as 14.90% APR

Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. A credit card may not be issued to a consumer younger than age 21 unless the written application includes: (i) an individual cosigner age 21 or older; or (ii) consumer submission of financial information indicating an independent means of repaying any credit obtained.  
1
Must be a borrower with a minimum annual income of $25,000.



Personal Loans

Type Features and/or Approximate Term* Annual Percentage Rate (APR)
Personal Loan
 
 
up to 24 months for $500-$2,499 as low as 10.74% APR**
36 months for $2,500-$4,999 as low as 9.24% APR**
48 months for $5,000-$9,999 as low as 7.74% APR**
60 months for $10,000 or more as low as 6.74% APR**
Personal Line of Credit Also utilized as an Overdraft Line of Credit as low as 12.00% APR**
Energy Smart Loan 48 months up to $4,999 as low as 5.74% APR**
  72 months for $5,000-$10,000 as low as 7.24% APR**
Credit Builder Loan 6 - 12 months for $500-$1,000 12.00% APR*

These rates were last reviewed and/or updated on 04/21/17.
*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 personal loan of $10,000 at 6.74% APR for a term of 60 months would result in a monthly payment of approximately $197.
 



Savings

Savings Features Annual Percentage Yield*
Primary Share / Business Savings Basic savings account  0.025%
Christmas Club Account Funds transfer to savings Nov. 1st 0.25%
Goal Club Youth Account For youth age 17 and younger 0.025%
IRA Savings Account** Retirement savings 0.25%
Health Savings Account (HSA)** For high deductible health plans 0.25%
Coverdell Education Savings Account (ESA)** Save for educational expenses  0.25%

These rates were last reviewed and/or updated on 03/24/17.
*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

Checking Features Annual Percentage Yield*
Direct** Direct deposit required 0.0125%
50 Plus** For members age 50 and older 0.0125%
Business Plus   0.025%
HSA*** Offers convenient VISA® debit card access 0.15%

These rates were last reviewed and/or updated on 03/24/17.
*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

Money Market Features Annual Percentage Yield*
Money Market $2,500 to $4,999.00 Balance 0.03%
$5,000 to $24,999.99 Balance 0.05%
$25,000 to $99,999.99 Balance 0.08%
Balance of $100,000 or greater 0.10%

These rates were last reviewed and/or updated on 04/21/17.
*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 Certificates (Fixed)

Account Type and Term Features Annual Percentage Yield*
Money Builder Small Term Share Certificate Requires monthly deposit. $100 Minimum Balance 0.15%
3 Month Regular Share Certificate $250 Minimum Balance 0.075%
6 Month Regular Share Certificate $250 Minimum Balance 0.10%
12 Month Regular Share Certificate $250 Minimum Balance 0.15%
18 Month Regular Share Certificate $250 Minimum Balance 0.20%
24 Month Regular Share Certificate $250 Minimum Balance 0.25%
36 Month Regular Share Certificate $250 Minimum Balance 0.40%
48 Month Regular Share Certificate $250 Minimum Balance 0.55%
60 Month Regular Share Certificate $250 Minimum Balance 0.75%

These rates were last reviewed and/or updated on 04/21/17.
*Rates are subject to change weekly without prior notice.
Certificates subject to penalty for early withdrawal.  Withdrawals will reduce earnings.

 


Share Certificates (Variable)

Account Type and Term Features Annual Percentage Yield*
18 Month Variable Rate Share Certificate $250 Minimum Balance 0.40%
18 Month Variable Rate IRA Certificate $250 Minimum Balance 0.40%

These rates were last reviewed and/or updated on 04/21/17.
*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 Certificates

Account Type and Term Features Annual Percentage Yield*
6 Month IRA Share Certificate $250 Minimum Balance 0.10%
12 Month IRA Share Certificate $250 Minimum Balance 0.15%
18 Month IRA Share Certificate $250 Minimum Balance 0.20%
24 Month IRA Share Certificate $250 Minimum Balance 0.25%
36 Month IRA Share Certificate $250 Minimum Balance 0.40%
48 Month IRA Share Certificate $250 Minimum Balance 0.55%
60 Month IRA Share Certificate $250 Minimum Balance 0.75%

These rates were last reviewed and/or updated on 04/21/17.
*Rates are subject to change weekly without prior notice.
IRA Certificates subject to penalty for early withdrawal.  Withdrawals will reduce earnings.

 




Mortgages

Click the link below to view current Mortgage rates.

Carolina Trust Mortgage Resource Center



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