Carolina Trust Credit Union

Myrtle Beach, South Carolina
Last verified: August 3, 2026
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Verified rate book

Current Carolina Trust Credit Union rates

68 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

12 offers
Carolina Trust Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.789% APR6.675%—Standard
15-Year Fixed15 year fixed6.108% APR5.925%—Standard
15-year Fixed 2nd Mortgage15 year fixed7.616% APR7.425%—Standard
15-Year Fixed, Land15 year fixed8.119% APR7.925%—Standard
5/1 ARM5 1 arm5.581% APR5.475%—Standard
20-Year Fixed20 year fixed6.573% APR6.425%—Standard
Mortgageother5.581% APR5.581%—Standard
USDAother6.613% APR6.500%—Standard
VAother6.865% APR6.750%—Standard
FHAother6.990% APR6.875%—Standard
Manufactured Home Loanother7.242% APR7.125%—Standard
First Time Home Buyerother7.796% APR7.675%—Standard

Auto & vehicle rates

18 offers
Carolina Trust Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
48-Month New Auto Loan (2026 and Newer)auto_new_48mo4.750% APR4.750%48 mo · newStandard
48-Month Used Auto Loan (2025 and Newer)auto_used_48mo4.750% APR4.750%48 mo · usedStandard
Auto Loanauto4.750% APR4.750%—Standard
60-Month Used Auto Loan (2025 and Newer)auto_used_60mo4.840% APR4.840%60 mo · usedStandard
72-Month New Auto Loan (2026 and Newer)auto_new_72mo4.840% APR4.840%72 mo · newStandard
72-Month Used Auto Loan (2025 and Newer)auto_used_72mo4.990% APR4.990%72 mo · usedStandard
84-Month New Auto Loan (2026 and Newer)auto_new_84mo5.200% APR5.200%84 mo · newStandard
84-Month Used Auto Loan (2025 and Newer)auto_used_84mo5.440% APR5.440%84 mo · usedStandard
60-Month New Boat Loan (2025 and Newer)boat_new_60mo6.390% APR6.390%60 mo · newStandard
RV, Motor Homes, 5th Wheels, and Pull-Along Campersrv_any_60mo6.590% APR6.590%60 moStandard
144-Month New Boat Loan (2025 and Newer)boat_new_144mo6.790% APR6.790%144 mo · newStandard
Motorcycle, ATV, and Jet Skimotorcycle_any_60mo6.840% APR6.840%60 moStandard
RV, Motor Homes, 5th Wheels, and Pull-Along Campersrv_any_96mo6.990% APR6.990%96 moStandard
180-Month New Boat Loan (2025 and Newer)boat_new_180mo7.040% APR7.040%180 mo · newStandard
RV, Motor Homes, 5th Wheels, and Pull-Along Campersrv_any_180mo7.240% APR7.240%180 moStandard
60-Month Used Boat Loan (2022 and Newer)boat_used_60mo7.290% APR7.290%60 mo · usedStandard
144-Month Used Boat Loan (2022 and Newer)boat_used_144mo7.790% APR7.790%144 mo · usedStandard
180-Month Used Boat Loan (2022 and Newer)boat_used_180mo8.290% APR8.290%180 mo · usedStandard

HELOC rates

1 offer
Carolina Trust Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable4.490% APR4.490%—Standard

Personal loan rates

9 offers
Carolina Trust Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Certificate Secured Fixed Rate Loanpersonal_secured4.000% APR4.000%—Standard
Health Smart Loanpersonal_unsecured_48mo7.750% APR7.750%48 moStandard
Health Smart Loanpersonal_unsecured_60mo8.250% APR8.250%60 moStandard
Health Smart Loanpersonal_unsecured_72mo8.500% APR8.500%72 moStandard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo8.750% APR8.750%24 moStandard
24-Month Debt Consolidation Loanpersonal_unsecured_24mo8.750% APR8.750%24 moStandard
12-Month Credit Builder Loanpersonal_unsecured_12mo12.000% APR12.000%12 moStandard
Personal Line of Creditploc_variable12.750% APR12.750%—Standard
Secured Personal Loanpersonal_secured17.990% APR17.990%—Standard

Credit card rates

2 offers
Carolina Trust Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
LimeRewardsother13.740% APR13.740%—Standard
LimeRewards+other14.740% APR14.740%—Standard

Savings & CD rates

22 offers
Carolina Trust Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Money Marketmoney_market1.31% APY1.31%—Standard
Money Marketmoney_market1.41% APY1.41%—Standard
Money Marketmoney_market1.51% APY1.51%—Standard
Money Marketmoney_market1.76% APY1.76%—Standard
Money Marketmoney_market2.02% APY2.02%—Standard
3 Month Regular Certificateshare_certificate_3mo3.35% APY3.35%3 moStandard
6-Month IRA Certificateira_cd_6mo3.45% APY3.45%6 moStandard
6 Month Regular Certificateshare_certificate_6mo3.45% APY3.45%6 moStandard
12-Month IRA Certificateira_cd_12mo3.56% APY3.56%12 moStandard
12 Month Money Builder Small Term Certificateshare_certificate_12mo3.56% APY3.56%12 moStandard
24-Month IRA Certificateira_cd_24mo3.66% APY3.66%24 moStandard
24 Month Regular Certificateshare_certificate_24mo3.66% APY3.66%24 moStandard
36-Month IRA Certificateira_cd_36mo3.71% APY3.71%36 moStandard
36 Month Regular Certificateshare_certificate_36mo3.71% APY3.71%36 moStandard
48 Month Regular Certificateshare_certificate_48mo3.76% APY3.76%48 moStandard
48-Month IRA Certificateira_cd_48mo3.76% APY3.76%48 moStandard
60 Month Regular Certificateshare_certificate_60mo3.82% APY3.82%60 moStandard
60-Month IRA Certificateira_cd_60mo3.82% APY3.82%60 moStandard
18-Month IRA Certificateira_cd_18mo4.07% APY4.07%18 moStandard
18 Month Regular Certificateshare_certificate_18mo4.07% APY4.07%18 moStandard
18 Month Variable Rate Certificateshare_certificate_18mo4.07% APY4.07%18 moStandard
18 Month Variable Rate IRA Certificateira_cd_18mo4.07% APY4.07%18 moStandard

Other rates

4 offers
Carolina Trust Credit Union other rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Home Smart Loanother7.750% %7.750%—Standard
Platinum Businessother9.900% %9.900%—Standard
Lime Essentialsother11.740% %11.740%—Standard
Goal Clubother17.990% %17.990%—Standard

As of August 3, 2026, Carolina Trust Credit Union offers a 30-year fixed mortgage at 6.789% APR. Vehicle loans available from 4.75% APR for 48 months. HELOC rates from 4.49% APR. Personal loan rates from 4% APR. Credit card rates from 13.74% APR. Savings and certificate yields up to 4.07% APY.

Source: RateAPI.dev, verified from Carolina Trust Credit Union's official website

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About Carolina Trust Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
40.4K
Assets
$419.6M
Founded
1958
Locations reported
7
NCUA charter
12361
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Santee Cooper Credit UnionSantee Cooper Credit Union · Myrtle Beach · SC · 29577-2003Branch in the same ZIPSouth CarolinaCoventry · Myrtle Beach · SC · 29577-9468Branch in the same ZIPCorningCarolina Forest Service Center · Myrtle Beach · SC · 29579-5620About 4.8 miles awayGeorgetown KraftPawleys Island · Pawleys Island · SC · 29585-8425About 14.3 miles awayState Employees'TABOR CITY · TABOR CITY · NC · 28463About 29.4 miles awayDixiesDixies Federal Credit Union · Florence · SC · 29505-3424About 53.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Carolina Trust Credit Union

Membership eligibility from Carolina Trust Credit Union's own published criteria. How we verify this.

Membership criteria are published on Carolina Trust Credit Union's website. Check the membership page below to confirm whether you qualify.

Cost to join: About $25.

Verified from Carolina Trust Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Carolina Trust Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Carolina Trust Credit Union ranks against South Carolina peers.

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Frequently Asked Questions

What rates does Carolina Trust Credit Union offer?

Carolina Trust Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Carolina Trust Credit Union rates updated?

RateAPI verifies Carolina Trust Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Carolina Trust Credit Union's rate data?

Rate data is collected directly from Carolina Trust Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Carolina Trust Credit Union's mortgage rate?

As of August 3, 2026, Carolina Trust Credit Union offers a 30-year fixed mortgage at 6.789% APR.

What are Carolina Trust Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 3, 2026, Carolina Trust Credit Union offers vehicle loans from 4.75% APR.

What is Carolina Trust Credit Union's HELOC rate?

As of August 3, 2026, Carolina Trust Credit Union offers home equity lines of credit from 4.49% APR.

What is Carolina Trust Credit Union's personal loan rate?

As of August 3, 2026, Carolina Trust Credit Union offers personal loans from 4% APR.

What is Carolina Trust Credit Union's best CD rate?

As of August 3, 2026, Carolina Trust Credit Union offers savings and certificate (CD) yields up to 4.07% APY.

Related Rate Data

Compare Carolina Trust Credit Union's rates against national credit-union benchmarks.

More South Carolina credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Carolina Trust Credit Union rates

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# Get rates for Carolina Trust Credit Union
curl "https://api.rateapi.dev/credit-unions/south-carolina/carolina-trust" \
  -H "Authorization: Bearer YOUR_API_KEY"
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