Mailing Address: PO Box 780004, Myrtle Beach, SC 29578-7804
Phone: (843) 448-2133 / Hours & Locations / Contact Us
Lost or Stolen Cards: Debit: 1-888-918-7810 and Credit: 1-800-654-7728

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Savings

One of the smartest things you can do is pay yourself first. Save for a rainy day and the days ahead. We have savings products to meet your specific needs and future goals.

Accounts Offered
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Bump-A-Rate Option
This option is available on any fixed rate certificate with an 18-month or greater term. After the first 12 months of saving, if the rate goes up, you may bump your initial rate to the new and better rate without extending the certificate's original maturity date. If the certificate term is for 18-36 months, then you may bump the rate once after the first 12 months. If the certificate term is for at least 48 months, then you may bump the rate twice after the first 12 months of saving.

This Credit Union is Federally Insured
The National Credit Union Administration (NCUA), a U.S. Government agency, federally insures all deposits in Carolina Trust. The National Credit Union Share Insurance Fund insures deposits to at least $250,000 for each account owner listed on an account. IRA deposits are insured separately up to $250,000 for each account owner listed on an account. It is one of the strongest federal deposit insurance programs in the United States. For more information, please visit www.ncua.gov.

Carolina Trust Federal Credit Union provides investment services for our members through CUNA Mutual. Click here for more information about retirement planning, mutual funds, annuities, and more.


Account Descriptions Available Terms and Required Minimum Balance

Traditional Savings Account
Provides the security you desire and a competitive dividend rate is paid monthly. Members who have only a savings account should maintain a minimum balance of $100 to earn dividends and avoid fees. Statements are issued quarterly to savings-only members.

$25 Required Minimum

Fixed Rate Certificates
The fixed dividend rate increases with a longer term commitment. Certificates are subject to penalty for early withdrawal.

Available Terms: 3 - 60 Months and $250 Required Minimum

IRA Fixed Rate Certificates
For retirement savers. The fixed dividend rate increases with a longer term commitment. Certificates are subject to penalty for early withdrawal.

Available Terms: 6 - 60 Months and $250 Required Minimum

Variable Rate Certificates* - Regular and IRA
The dividend rate on this certificate may vary depending on the market, and members have the option to add funds to this certificate as often as they prefer.

Available Term: 18 Months and $250 Required Minimum

IRA Savings - Traditional and Roth
This retirement savings account offers tax benefits*. Click for more details.

$5 Required Minimum

Money Builder Certificate
For the beginning saver. Monthly deposits are required by payroll deduction, ACH, or direct deposit. The maximum balance is $500.

Available Term: 12 Months and $100 Required Minimum

Goal Club Youth Account
A fun way for children age 17 and younger to learn financial responsibility, practice good savings habits, and save for their futures. A parent or legal guardian is required to sign on any Goal Club account. Click for more details.

$25 Required Minimum

Christmas Club
This is a wonderful way to save for holiday expenses year round. Funds transfer to your checking or savings account on November 1st.

$5 Required Minimum

Educational Savings Account (ESA)
This is an educational savings account offering tax benefits*.

$5 Required Minimum

Health Savings Account (HSA)
This account supplements qualifying high deductible health plans and allows tax-free withdrawals for plan-approved medical expenses not covered until the high deductible has been met*. HSA balances roll over each year and do not rely on employer contributions. Click for more details.
$5 Required Minimum

Earn Member Reward Points by opening a new Fixed Rate certificate or new Goal Club account.

Please Note: All savings account withdrawals are subject to Federal Regulation D guidelines. Also, please read the Credit Union's Inactive Account Policy as it pertains to accounts that do not receive a transaction within 12 consecutive months.

*Certificates may be subject to penalty for early withdrawal. Withdrawals will reduce earnings. Savings rates may change without prior notice. Consult your tax advisor regarding IRA, ESA and HSA contributions. Variable Rates are subject to change on the last Thursday of the month. These rates are 0.20% greater than the regular 18-month fixed certificate rate in effect on the last Thursday of the month.

Please Note: Securities, non-deposit investments and insurance products sold through licensed third party providers advertised on this site are not federally insured. They may involve investment risk, may lose value, and they are not underwritten or guaranteed by the Credit Union. Similar products may be purchased from an agent or company of your choice. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America.

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Please Note: When you access an external third-party site via a "live link" on the Carolina Trust website, the Credit Union in no way assumes any responsibility or liability for the information contained therein nor does the Credit Union warrant the products and services offered to the viewer. Additionally, privacy and security policies of alternate sites may differ from those practiced by Carolina Trust.

Copyright©2007 Carolina Trust Federal Credit Union, All Rights Reserved.
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