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Just another way we put people ahead of profits

At Carolina Trust, we offer a rewards program where you can redeem points for savings and discounts on Credit Union services. The more you use our services, the more points you earn.  Points can be redeemed for loan discounts, fee refunds, and more!*

Automatically earn points for the following:

Loans, Savings and Loyalty

  • Loan Reward Points. Earn 1 Member Reward Point for every $1 in interest paid on a Carolina Trust loan*.

Applied monthly.

*Excludes interest paid on Visa credit card balances and mortgage loans.

  • Savings Reward Points. Earn 1 Member Reward Point for every $1 in dividends earned on a Carolina Trust savings, checking, money market, certificate and IRA.

Applied monthly.

  • Membership Anniversary. Earn 100 points for each year of Carolina Trust membership.

Applied annually following your anniversary date.

More Reward Opportunities

Earn even more points for using qualifying services like Online Banking, Direct Checking, online bill pay, e-Statements, and more!

Click for a full list of ways to earn additional points*

Redeem points for special savings and discounts!

For example, use points to receive:

  • A 0.25% rate discount on your next auto loan
  • An increased APY on a new fixed-rate certificate
  • A $250 discount on qualifying first mortgage closing costs
  • A service fee refund or discount

Click here for a full list of redemption options*

*Fees charged to a member’s account will not be refunded if more than 60 days old. Members must accrue an initial 1,000 points before point redemption may occur. Certain redemption options allow for only one discount at a time. The Credit Union reserves the right to alter, add, or delete the products and services rewarded and the savings, discounts, and refunds available for point redemption. Point values are subject to change without notice. Business Accounts do not earn Member Reward points and are not eligible to participate in the point redemption program.

How do you redeem points?

Contact a Member Service Representative at 843.448.2133, ext. 3 to find out how many Member Reward points you have earned. You’ll be surprised at how quickly they add up. Then, just tell our representative how you would like to redeem your points. It’s that simple!

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