Carolina Trust Credit Union Little River SC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Carolina Trust, your trusted financial partner in Little River, SC! Located at 1602 Highway 17, we have proudly served our community since 1958, building a strong foundation of trust and reliability. With a dedicated membership of over 41,000 individuals, our commitment to providing exceptional service is unwavering. At Carolina Trust, we understand the importance of financial stability and growth. Our total assets have reached an impressive $396,799,450, reflecting our robust financial health and dedication to our members' success. We offer a variety of services tailored to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgages, and even business banking solutions. While you can visit us at our branch for personalized assistance, please note that any official correspondence should be sent to P.O. Box 1499, Little River, SC 29566. Our friendly team is here to help you navigate your financial journey with confidence. Led by CEO B. Timothy Carlisle and Board President Billy Marlowe, our dedicated staff of 96 employees works tirelessly to ensure that your experience with us is nothing short of excellent. We're proud to maintain a net worth of $37,149,078 and total deposits amounting to $34,278,644, which allows us to support our community effectively. Our goal is not just to serve as a financial institution but also as a pillar of support for our members. Whether you're looking for loans or savings options, we strive to empower you every step of the way. Ready to take control of your finances? Call us today at 843-448-2133 or visit our website at Carolina Trust to learn more about how we can assist you!

Branch History & Mission

A Legacy of Service

Since our inception, we have focused on providing exceptional financial services tailored to meet the needs of our members. With total assets now amounting to an impressive $396,799,450, we have grown significantly while maintaining our core values of trust and community support. Our history is marked by milestones that reflect our dedication, from expanding our services to include personal banking, auto loans, and business banking solutions to embracing digital advancements that enhance member experiences.

Join Us Today!

At Carolina Trust, your success is our priority. Whether you're looking to open your first savings account or seeking advice on financing your dream home or vehicle, we're here for you every step of the way. Experience the difference of being part of a community-focused credit union that truly cares about its members' financial journeys. Join us today and take the first step towards a brighter financial future!

Mission-Driven Approach

Our mission at Carolina Trust is simple yet impactful: to empower individuals and families through accessible financial services while fostering a strong sense of community. We believe that everyone deserves the opportunity for financial wellness. This commitment drives us daily as we strive to provide not just banking services but also education and resources that help our members make informed financial decisions. In addition to offering essential services like checking and savings accounts, mortgage loans, and credit cards with rewards, we actively engage in community outreach initiatives. We partner with local organizations to support various causes that uplift our neighbors and strengthen Little River.

Modern Banking Solutions

While you can visit us at our branch location for friendly service during our operating hours from 8:30 AM to 5:00 PM Monday through Friday, we also understand the importance of convenience in today's world. That's why we offer online banking options alongside traditional banking services such as ATM access and drive-thru banking for quick transactions. For any official correspondence, please send mail to P.O. Box 1499, Little River, SC 29566. Our dedicated team is always ready to assist you feel free to reach out at 843-448-2133 for any inquiries or assistance.

Branch Location & Accessibility

Welcome to Carolina Trust, your friendly financial partner in Little River, SC! Located conveniently at 1602 Highway 17, our branch is easily accessible for all your banking needs. Just a stone's throw away from local favorites like the beautiful Cherry Grove Beach and the lively Little River Waterfront, we're right in the heart of the community. While members can visit us at our branch address, official correspondence should be sent to P.O. Box 1499, Little River, SC 29566. Our location offers plenty of parking and features ADA-compliant access to ensure everyone can visit us without hassle. At Carolina Trust, we understand that your time is valuable. That's why we are open Monday through Friday from 8:30 am to 5:00 pm, giving you ample opportunity to take care of your personal banking needs. Whether you're stopping by for a quick transaction or need assistance with loans and accounts, our team is here to help! For those who prefer convenience on the go, we offer ATM services right at our branch and a drive-thru option for quick deposits and withdrawals. Plus, if you're a member of a partner credit union, you can enjoy shared branch services with us too! Have questions or need assistance? Don't hesitate to give us a call at 843-448-2133. We look forward to serving you soon!

Member Eligibility

At Carolina Trust, we believe that becoming a member means joining a close-knit community where your financial well-being is our top priority. If you live, work, or worship in the Little River area, you're likely eligible to join us! We welcome individuals and families alike, and we're dedicated to providing services tailored to meet your unique needs. To find out all the details about eligibility, feel free to check our website for the latest information at Carolina Trust Eligibility. Opening an account is just as easy! Simply give us a call at (843) 448-2133, and our friendly staff will guide you through the process. You can also visit us at 1602 Highway 17, Little River, SC 29566, where we're ready to assist you from 8:30 AM to 5:00 PM on weekdays. By becoming a member of Carolina Trust, you gain access to a range of financial products designed with your future in mind from personal banking solutions to auto loans and more. Join us today and experience the advantages of being part of something special!

Business Banking & Commercial Services

Business Loans That Fuel Growth

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 That Simplify Transactions

In today's fast-paced market, efficient transactions are vital. Our merchant services provide easy payment solutions that help streamline your operations. Imagine being able to accept payments anytime, anywhere whether it's at a physical store or through an online platform. This flexibility not only enhances customer satisfaction but also keeps your cash flow steady. Located at 1602 Highway 17 Little River Sc 29566 in Little River, SC, we're here to partner with you on your journey to success. Reach out to us at (843) 448-2133 to learn more about how we can support your business needs!

Comprehensive List Of Services

Accessible Support

Our friendly staff is always ready to assist you during regular lobby hours from 8:30 am to 5:00 pm Monday through Friday. Whether it's answering questions about your account or helping with loan applications, we're here for you. We invite you to explore how Carolina Trust can help enhance your financial journey. Feel free to reach out at 843-448-2133 or visit our website at carolinatrust.org for more information about our services. Let us be your trusted partner in achieving your financial dreams!

Business Banking

If you're a business owner, we haven't forgotten about you. Our business banking services, including merchant services and business loans, are crafted to help your enterprise thrive. We understand the unique challenges small businesses face and are here to support you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Carolina Trust offers robust online and mobile banking features that let you manage your finances from anywhere. Check your account balances, transfer funds, or even make payments all at the touch of a button. For those who prefer in-person transactions, we provide accessible ATM and cash withdrawal services, along with basic drive-thru banking for quick deposits and withdrawals. If you're a member of another credit union that partners with us, enjoy shared branch transactions right here at our location!

Personal Banking

Starting with personal banking, we offer various checking and savings accounts designed to suit different lifestyles and financial goals. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can help make that dream a reality without stretching your budget. For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with competitive rates that simplify the process. Need some extra cash? Our personal loans provide quick access to funds for debt consolidation or unexpected expenses. Plus, with our credit cards that offer rewards, you can earn points on every purchase, turning everyday spending into savings.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly, allowing you to easily check balances, pay bills, and transfer money between accounts. You can also enjoy the benefits of e-statements, which give you quick access to your financial information without the clutter of paper statements. Plus, with electronic signature authorization available, signing documents is simple and secure no more printing or mailing required! If you're on the go, our mobile application makes banking even more convenient. Manage your accounts directly from your smartphone or tablet, whether you're making person-to-person transfers or checking transaction history. And for those who love using their phones for payments, while we don't currently offer mobile payments, our other features ensure you still have plenty of options to manage your money effectively.

Security and Accessibility

We prioritize your security with advanced measures that keep your information safe while you bank online. Our platform is designed for ease of use so that everyone regardless of tech-savviness can navigate their accounts without hassle. Whether it's accessing funds for a spontaneous purchase or planning for future expenses, you'll find that managing your finances has never been easier. Join us at Carolina Trust today and experience the freedom of modern banking that fits seamlessly into your lifestyle! For more details on our digital services, visit https://www.carolinatrust.org/ or call us at (843) 448-2133.

Financial Strength

Community Trust

Total Share Accounts stand at an impressive 68,402, showing a strong and growing member base that trusts us with their finances. As your community credit union located at 1602 Highway 17 Little River SC 29566, we're dedicated to enhancing your banking experience while supporting local initiatives. 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 1602 Highway 17 Little River Sc 29566 or call (843) 448-2133 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $33,545,335 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $38,853 in used auto loans and a total of $281,156,469 in loans and leases.

Member-Focused Savings

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.

Operational Efficiency

Our impressive net income of $217,056 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also 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.

Strong Financial Health

With a net worth of $37,149,078, we maintain strong 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 make it easy for you to finance your next vehicle purchase with flexible terms and competitive interest rates.

Business Loans

For business owners, our outstanding commercial loans totaling $10,719,435 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to provide tailored solutions to meet your specific needs. At Carolina Trust, we also offer refinancing options for many of our loan products. If you're interested in improving your current loan terms or exploring eligibility options for any of our offerings, please don't hesitate to contact us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whatever your financial need may be whether it's a new vehicle or your dream home Carolina Trust is dedicated to providing personalized service and competitive lending solutions tailored just for you.

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 are committed to guiding you through the mortgage process to find the right solution for your needs.

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. These cards come with rewards and benefits that can help you maximize your spending power.

Loan Aggregator

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CAROLINA TRUST FEDERAL CREDIT UNION