Carolina Trust Credit Union Myrtle Beach SC | Best Auto Loans & Business Banking

Introduction

Welcome to Carolina Trust Federal Credit Union, your trusted financial partner since 1958! Located at 1010 21st Ave N, Myrtle Beach, SC 29577, we are proud to serve our growing community of over 41,000 members. With a strong commitment to personalized service and financial wellness, we strive to provide you with the tools and resources you need to achieve your financial goals. Our credit union is built on the principles of community and member support. Currently, we boast total assets of $396,799,450, reflecting our dedication to safeguarding your finances. Whether you're looking for an auto loan or a new savings account, we have a variety of products tailored just for you. In fact, we've facilitated over 15,006 loans to help our members thrive financially. While you can visit us at our branch for all your banking needs, official correspondence should be directed to our mailing address: P.O. Box 780004, Myrtle Beach, SC 29578-7804. At Carolina Trust, our experienced team is led by CEO B. Timothy Carlisle and Board President Billy Marlowe, both passionate about fostering a supportive banking environment that prioritizes your needs. With a total of 96 employees, we're here to ensure that every member receives the attention they deserve. We invite you to explore our services that include personal banking solutions like checking and savings accounts, as well as auto loans and credit cards with rewards. Our online banking options provide convenience at your fingertips making it easier than ever to manage your finances from anywhere. Ready to take the next step? Contact us at (843) 448-2133 or visit our website at carolinatrust.org for more information on how we can assist you today!

Branch History & Mission

Carolina Trust has a proud history rooted in the community of Myrtle Beach, South Carolina. Since our inception in 1958, we have been dedicated to providing financial services that not only meet the needs of our members but also uplift and strengthen our community. Over the years, we have grown from a small credit union into a trusted financial partner for over 41,000 members, with total assets reaching an impressive $396,799,450. Our branch is conveniently located at 1010 21st Ave N, Myrtle Beach, SC 29577, just a stone's throw away from local landmarks like the beautiful beaches and vibrant shopping areas. We invite you to visit us during our operating hours from Monday to Friday, 8:30 a.m. to 5:00 p.m. For those who prefer drive-thru banking or ATM services, we are well-equipped to serve your needs efficiently. At Carolina Trust, our mission is simple yet powerful: we aim to provide exceptional financial services while fostering a sense of community and support among our members. We believe in empowering individuals through personal banking options like checking and savings accounts, auto loans, mortgages, and more. Our commitment goes beyond just finances; we actively engage in community outreach initiatives that make a real difference in people's lives. While members can visit us at our main branch location, official correspondence should be sent to our mailing address: P.O. Box 780004, Myrtle Beach, SC 29578-7804. This ensures that all communications are received promptly. In line with our commitment to innovation and accessibility, we have embraced digital advancements that allow for online banking and mobile applications. These tools ensure that our members can manage their finances easily and securely from anywhere. We also value partnerships with other local organizations through our shared service center program. This initiative allows us to broaden our reach and offer essential services even when you're away from home. As we look forward to the future, we remain devoted to enhancing the lives of our members and contributing positively to the community of Myrtle Beach. Join us today at Carolina Trust Federal Credit Union and experience firsthand the benefits of being part of a credit union that truly cares about you! For any inquiries or assistance, feel free to call us at 843-448-2133. Your journey towards better financial well-being starts here!

Branch Location & Accessibility

Additional Features

For those on the go, we provide ATM access for cash withdrawals and balance checks whenever you need it. If you're visiting us from another credit union that partners with us through shared services, rest assured that basic transactions can be completed at our branch too! While members can visit us at 1010 21st Ave N, official correspondence should be sent to our mailing address at P.O. Box 780004, Myrtle Beach, SC 29578-7804.

Connect With Us

Have questions? Don't hesitate to give us a call at 843-448-2133! We'd love for you to visit us in person or reach out over the phone so we can assist you with all your banking needs. At Carolina Trust Federal Credit Union, we're not just about transactions; we're about building relationships with our members!

Convenient Location

Nestled in Horry County, our branch is just a stone's throw away from popular local landmarks, making it easy to stop by while you're out and about. With ample parking available, you can visit us without any hassle. Plus, our facility is designed with accessibility in mind, ensuring that everyone can enjoy our services comfortably.

Operating Hours and Services

We understand that life gets busy, which is why we're open Monday through Friday from 8:30 a.m. to 5:00 p.m. Whether you need to set up a new account, inquire about loans, or simply have questions about your finances, our friendly staff is ready to assist you during these hours. At Carolina Trust Federal Credit Union, we offer a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our drive-thru service allows for quick transactions like deposits and withdrawals without leaving your vehicle, adding even more convenience to your visit.

Member Eligibility

At Carolina Trust, we believe that joining our community is a step towards better financial health and support. Becoming a member is an easy process, and we welcome individuals who live, work, worship, or attend school in Horry County or surrounding areas. Whether you're looking to open a checking account, save for the future, or secure a loan, we're here to help you every step of the way. To learn more about the specific eligibility criteria, feel free to visit our detailed resource at . Opening an account with us is straightforward and designed to be hassle-free. You can start your membership journey by visiting us at 1010 21St Ave N Myrtle Beach Sc 29577 or give us a call at (843) 448-2133 during our operating hours from Monday to Friday, 8:30 a.m. to 5:00 p.m. We look forward to welcoming you into the Carolina Trust family!

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 Make Transactions Easy

Imagine serving your customers with ease while managing your finances effectively. Our merchant services allow you to accept payments effortlessly, ensuring that transactions are smooth and secure. This means more time for you to focus on what truly matters growing your business. Join us at Carolina Trust, located at 1010 21St Ave N, Myrtle Beach, SC 29577, and discover how our tailored solutions can help your business thrive. Reach out at 843-448-2133 or visit us online at Carolina Trust for more information!

Comprehensive List Of Services

Additional Services

When visiting us in person, enjoy the ease of our basic drive-thru banking services for quick deposits and withdrawals. Additionally, if you're a member of partner credit unions, take advantage of our shared branch transactions which allow for deposits and withdrawals right from our location. At Carolina Trust, we strive to create a welcoming atmosphere where all your financial needs can be met under one roof. For more information about our services or how we can assist you further, feel free to give us a call at 843-448-2133. We look forward to helping you achieve your financial goals! Visit us online at Carolina Trust Federal Credit Union for more details on how we can serve you better!

Business Banking Services

For our business members, we offer specialized banking solutions that cater to your operational needs. From merchant services that facilitate transactions to business loans that help fund growth opportunities, Carolina Trust is here to support local businesses in achieving their goals.

Convenient Banking Anytime, Anywhere

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking options so you can manage your finances on-the-go. Whether it's transferring funds between accounts or checking balances, everything is at your fingertips. Our branch also features an ATM for cash withdrawals, making it easy for you to access your funds whenever needed.

Credit and Debt Management

Life can throw unexpected expenses your way. Our personal loans and debt consolidation services are designed to help you regain control over your financial situation. Plus, with our credit cards featuring rewards, you can earn benefits while managing everyday purchases effectively.

Personal Banking Solutions

We understand that managing your personal finances can be challenging. That's why we offer a variety of personal banking options, including checking and savings accounts that fit seamlessly into your lifestyle. If you're in the market for a new vehicle, our auto loans and vehicle financing solutions make it easy to get behind the wheel without breaking the bank. For those considering home ownership or refinancing, our mortgage loans are tailored to help you secure the best possible terms.

Digital & Online Banking

Key Features of Our Digital Services

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, our mobile application makes banking even more convenient. You can download it today and start managing your finances right from your smartphone. One of the standout features is the ability to make person-to-person transfers. Need to send money to a friend? It's simple and quick! Plus, with electronic signature authorization available, signing documents has never been easier or more secure. For those who prefer going paperless, we offer e-statements. You'll receive your account statements electronically, helping you keep track of your finances while also being environmentally friendly.

Security and Convenience

Your security is our top priority. Our online banking platform uses advanced security measures to protect your information. You can bank with peace of mind knowing that we have safeguards in place to keep your data safe. With these digital tools at your fingertips, managing your money is not just easy; it's also efficient. Enjoy real-time updates on your accounts and take control of your financial journey like never before. Explore all that Carolina Trust has to offer in digital banking by visiting us at https://www.carolinatrust.org/ today!

Financial Strength

Growing Member Base

We are pleased to report that we have 68,402 total share accounts, showing a strong and growing member base that trusts us with their finances. Our net shares amount to $1,952,881, reflecting funds available for lending and investments. 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 1010 21St Ave N Myrtle Beach SC 29577 or call 843-448-2133 to learn more about how we can help you achieve your financial goals.

Member Savings Securely Grown

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 efforts reflect positively in our net income of $217,056, showcasing operational efficiency that 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 team.

Reinvesting in Your Future

With $33,545,335 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our commitment to supporting your financial goals is evident in our robust lending capacity. We currently have $28,115,646 in total loans and leases including $38,853 in used auto loans available to help you make important purchases.

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 provide some of the lowest rates in the industry. We've already issued over $72,174,428 in used vehicle loans and $44,356,497 in new vehicle loans, helping our members get on the road confidently. Whether you're interested in financing a brand-new vehicle or a reliable used one, we are here to guide you through the process.

Business Loans

For business owners seeking capital to grow and expand their operations, our outstanding commercial loans total $10,719,435. These loans are designed to support your business ambitions by providing the necessary funds to invest in new opportunities.

Credit Lines and Personal Loans

For those looking for flexibility in managing their finances, we offer credit lines with a total of $128,860,250 available. This allows you to borrow as needed while maintaining control over your repayment schedule. Additionally, we have flexible terms on unsecured credit card loans, with a total of $7,568,372 helping members manage their daily expenses effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $13,198,083. We make buying or refinancing simple and straightforward so that you can focus on making your house a home.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, please ask about how we can assist you further. Our goal is to ensure that you have access to the best financing solutions available. At Carolina Trust Federal Credit Union, we're committed to helping you achieve your financial dreams through accessible and affordable lending options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or contact us for more information about how our loan offerings can benefit you!

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CAROLINA TRUST FEDERAL CREDIT UNION