Carolina Trust Credit Union Lake City SC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Carolina Trust, your trusted financial partner in the heart of Lake City! Located at 219 W Main St, Lake City, SC 29560, our branch has been serving the community since 1958. As a proud member of the Carolina Trust family, we are dedicated to providing exceptional banking services tailored to your needs. With over 41,000 members and total assets exceeding $396 million, we're not just a credit union; we're a community pillar. Our commitment to supporting you is reflected in our robust offerings, including personal banking solutions like checking and savings accounts, auto loans, mortgage financing, and business banking services. We believe that strong financial health starts with trust and transparency. Led by our dedicated CEO, B. Timothy Carlisle, and Board President Billy Marlowe, our team of 96 employees is here to ensure you receive top-notch service every time you visit. Whether you're looking for assistance with loans or need help navigating your finances, we're ready to assist you on your journey. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 219 W Main St, Lake City, SC 29560-2427. Feel free to reach out via phone at 843-448-2133 or fax us at 843-626-3470 during our operating hours from Monday through Friday, 8:30 a.m. to 5:00 p.m. At Carolina Trust, we take pride in offering competitive rates and personalized service that reflects our commitment to the communities we serve. With total deposits reaching $34.3 million and an impressive net worth of $37.1 million, you can trust that your financial well-being is in capable hands. Join us today and discover how Carolina Trust can help you achieve your financial goals! Visit us online at carolinatrust.org for more information about our products and services. We look forward to welcoming you into the Carolina Trust family!

Branch History & Mission

Community Engagement

Community support is at the heart of what we do. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact in Lake City and beyond. Our shared service center enables us to connect with other credit unions, offering even more convenience for our members. While you can visit us at 219 W Main St, please note that any official correspondence should be sent to our mailing address: 219 W Main St, Lake City, SC 29560-2427.

Our Mission

At Carolina Trust, our mission is not just about providing financial products; it's about enriching lives. We aim to create meaningful connections with our members by supporting their financial goals while actively contributing to the community's well-being. We believe that when our members thrive, so does the entire community. We prioritize customer service and have embraced technological advancements to make banking easier for everyone. Our services now include online banking and mobile applications that allow members to manage their accounts conveniently from anywhere. Additionally, we maintain ADA compliance to ensure all members can access our services without barriers.

Visit Us Today!

We invite you to experience the Carolina Trust difference. Whether you're looking for personal banking solutions or need assistance with your business finances, we're here for you. Join us today and become part of a community-focused credit union that puts your needs first. For more information or inquiries, feel free to call us at 843-448-2133 during our operating hours: Monday through Friday from 8:30 a.m. - 5:00 p.m. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. The branch is ADA-compliant and features ramps to ensure everyone can enter without hassle. Plus, ample parking is available nearby, so you can easily park and walk in. If you're on the go, take advantage of our drive-thru service for quick transactions without leaving your vehicle.

Operating Hours

We understand that life gets busy. That's why we're here Monday through Friday from 8:30 a.m. to 5:00 p.m., ready to assist you with everything from checking accounts to auto loans. Need help outside of those hours? Feel free to reach out at 843-448-2133; our team is always happy to answer your questions.

Services Offered

At Carolina Trust, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to more specialized services such as auto loans and mortgage refinancing, we have something for everyone. Our ATM availability ensures you can access cash anytime you need it, while shared service centers allow for easy transactions if you're a member of partner credit unions. While members can visit us at our physical location, please note that official correspondence should be sent to 219 W Main St, Lake City, SC 29560-2427. Ready to experience all that we have to offer? We invite you to visit us today or give us a call we're here to help!

Member Eligibility

At Carolina Trust, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in our community, you're likely eligible to join us. We embrace individuals and families from various backgrounds, making it easy for you to access our range of services designed to help you thrive financially. For the most up-to-date eligibility criteria, feel free to check out our detailed information at this link. Once you're ready to take the next step, opening an account is a breeze. Just give us a call at (843) 448-2133, and our friendly staff will guide you through the process. You can also visit us at 219 W Main St, Lake City, SC 29560, where we're here to assist you Monday through Friday from 8:30 a.m. to 5:00 p.m. Join Carolina Trust today and enjoy personalized service along with financial products that fit your needs!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $31 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $31 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $10,719,435, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business with the peace of mind that comes from seamless transactions. Our merchant services offer businesses the tools they need to accept payments easily. From credit card processing to online payment solutions, we equip you with everything needed to enhance customer experience and streamline operations. Visit us at 219 W Main St Lake City Sc 29560 in Lake City, SC, or call us at (843) 448-2133 to discover how our tailored solutions can help your business thrive!

Comprehensive List Of Services

Additional Services

At Carolina Trust, we also provide essential services like basic drive-thru banking for quick transactions and shared branch transactions for members of partner credit unions. Need immediate access? Enjoy basic ATM access where you can withdraw cash or check your balance without hassle. With our commitment to serving you better every day, we invite you to visit us at our Lake City Branch or call us at 843-448-2133 during our operating hours from Monday through Friday, 8:30 AM - 5:00 PM. Explore how Carolina Trust can enhance your financial journey today! For more information about our services or how to become a member, please visit our website. We look forward to welcoming you into the Carolina Trust family!

Business Banking Support

For business owners, we understand that managing finances can be challenging. That's why we offer specialized business banking services, including merchant services to help you accept payments easily and business loans to support your growth initiatives. Whatever your business needs may be, Carolina Trust is committed to being your reliable partner.

Convenient Digital Banking

In today's fast-paced world, convenience matters more than ever. Our robust online and mobile banking features allow you to manage your accounts anytime and anywhere. From checking balances to transferring funds, everything is at your fingertips. Plus, with access to ATMs and cash withdrawal services at various locations, you can easily get cash when you need it.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of options that make managing your money simple and effective. Our checking and savings accounts are designed for ease of use, whether you're making everyday purchases or saving for a special occasion. If you're in the market for a new car, our auto loans and vehicle financing options can help you drive away in style without breaking the bank. For larger purchases like homes, consider our mortgage loans and refinancing services designed to guide you through the process smoothly. Additionally, if you're facing unexpected expenses or looking to consolidate debt, our personal loans provide flexible terms that fit your situation. Don't forget about our credit cards with rewards, which not only offer convenience but also give you points for every dollar spent!

Digital & Online Banking

Always Accessible

Our 24/7 online banking services mean that whether it's early morning or late at night, you're always in control of your finances. We designed these tools with you in mind making sure they're easy to use so that you can focus on what really matters. In summary, Carolina Trust is dedicated to providing a banking experience that's not only convenient but also secure and reliable. Explore all our digital offerings today and see how we can help simplify your financial life!

Key Services

With just a few clicks, you can access your account anytime through our online banking platform at https://www.carolinatrust.org/ . Our user-friendly interface allows you to check balances, pay bills, and transfer money all from the comfort of your own space. If you need to send money quickly, our person-to-person transfer feature makes it simple to send funds to friends and family without any hassle. Security is a top priority for us. Our electronic signature authorization ensures that your transactions are protected, giving you peace of mind every time you bank online. Plus, with e-statements available, you can easily keep track of your finances while reducing paper clutter. For those who prefer mobile banking, our mobile application offers all the features you need right at your fingertips. You can manage your account on the go and make payments without needing to visit a branch. Although we currently do not support mobile payments, we're committed to enhancing our services based on member feedback.

Financial Strength

Commitment to Growth

With $33,545,335 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is significant; we have $38,853 in used auto loans and a total of $281,156,469 in loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $217,056, enabling us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

We take pride in having 93 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our commitment to service excellence means you can always count on us for personalized attention.

Member Trust

Total Share Accounts: 68,402, showing a strong and growing member base that trusts us with their finances. With net shares (funds available for lending and investments) at $1,952,881, we're well-positioned to meet the needs of our members now and in the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Carolina Trust is your trusted partner. Visit us at 219 W Main St Lake City SC 29560 or call [843-448-2133](tel:8434482133) to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Secure Savings Opportunities

Members' savings are secured through $42,262,301 in share certificates and $36,127,867 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $37,149,078, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 930 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $72,174,428 in used vehicle loans and $44,356,497 in new vehicle loans already helping members get on the road. We provide flexible terms to fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $10,719,435 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your journey toward success.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,198,083, make buying or refinancing simple. We can assist you through the process and help you find the right solution for your situation.

Refinancing Options

If you're considering refinancing existing loans for better rates or terms, we have options available that could save you money over time. Our team is ready to discuss eligibility requirements and help you make an informed decision. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Carolina Trust, we're committed to empowering our members with financial products that foster growth and stability. Visit us today or give us a call; let's work together toward achieving your financial goals!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $7,568,372 in loans helping members manage their finances effectively. This option allows you to have access to funds without collateral while enjoying rewards and benefits tailored to your spending habits.

Loan Aggregator

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Ensuring Accurate Comparisons

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CAROLINA TRUST FEDERAL CREDIT UNION - Lake City, SC