Carolina Trust Credit Union Myrtle Beach SC | Affordable Vehicle Loans & Drive-Thru Banking

Introduction

Welcome to Carolina Trust, your trusted financial partner right here in the heart of Myrtle Beach, SC. Established in 1958, our Holmestown Road Branch at 4254 Holmestown Rd has been dedicated to serving our community with reliable banking solutions for over six decades. With a strong membership base of 41,063 and total assets amounting to an impressive $396,799,450, we pride ourselves on being a cornerstone of financial support for individuals and families in our area. Our commitment goes beyond just numbers; we believe in fostering relationships with our members. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we're here to help you navigate your financial journey. We currently manage a total of 15,006 loans and leases, reflecting our dedication to providing the resources you need. At Carolina Trust, we understand the importance of transparency and trust. With a net worth of $37,149,078 and cash in hand totaling $8,823,725, you can feel confident knowing that your finances are secure with us. Our friendly staff is always ready to assist you during our operating hours from Monday through Friday, 8:30 a.m. to 5:00 p.m. Should you need any assistance or have questions about our services, don't hesitate to reach out at 843-448-2133. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 4254 Holmestown Rd, Myrtle Beach, SC 29588-7839. Join us as we continue to make a positive impact on our community your financial success is our priority! For more information or to explore the services we offer, please visit us online at Carolina Trust. We look forward to serving you!

Branch History & Mission

Our Evolution

From our humble beginnings, Carolina Trust has evolved significantly. Initially focused on personal banking services, we now offer a wide range of financial products including auto loans, mortgages, credit cards, and business banking services. Our growth reflects not just our commitment to providing excellent service but also our ability to adapt to the changing needs of our community. Our branch is conveniently situated near key landmarks in Myrtle Beach, making it easy for members to access our services. Whether you need assistance with a loan or want to discuss your savings goals, our friendly staff is here to help during our operating hours of Monday through Friday from 8:30 a.m. to 5:00 p.m.

Our Mission

At Carolina Trust, our mission goes beyond providing financial services; it's about making a positive impact in the lives of our members and the community. We strive to empower individuals by offering products that promote financial wellness and stability. We believe that when our members succeed financially, the entire community benefits. In addition to helping our members achieve their financial goals, we actively engage in outreach efforts within Myrtle Beach and surrounding areas. Whether it's sponsoring local events or partnering with other organizations for community betterment initiatives, we are committed to giving back. We pride ourselves on being an accessible credit union with features like ATM availability and drive-thru banking options for your convenience. If you're interested in becoming part of something special and would like to experience the benefits of membership at Carolina Trust, we invite you to reach out or visit us today! While you can visit us at 4254 Holmestown Rd for all your banking needs, please note that official correspondence should be sent to 4254 Holmestown Rd, Myrtle Beach, SC 29588-7839. Join us at Carolina Trust where your financial future matters! For more information or assistance, feel free to call us at 843-448-2133 or visit our website.

Branch Location & Accessibility

Welcome to the Carolina Trust branch located at 4254 Holmestown Rd in beautiful Myrtle Beach, SC! Our location is designed with your convenience in mind. Situated near popular landmarks, we are easily accessible whether you're on your way to the beach or running errands in the area. At Carolina Trust, we strive to make your banking experience as smooth as possible. Our branch features ample parking and is fully ADA compliant, ensuring that everyone can access our services without any hassle. For those who prefer to bank on the go, we offer both ATM availability and a drive-thru service for quick deposits and withdrawals. Our friendly team is here for you Monday through Friday from 8:30 a.m. to 5:00 p.m., ready to assist with personal banking needs like checking and savings accounts, auto loans, mortgage loans, and more. While members can visit us at our branch for all their banking needs, official correspondence should be directed to our mailing address at 4254 Holmestown Rd, Myrtle Beach, SC 29588-7839. With shared service options available, we aim to provide a comprehensive range of banking solutions tailored just for you. If you have any questions or need assistance, don't hesitate to give us a call at 843-448-2133. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Carolina Trust is like joining a warm and welcoming family that's dedicated to your financial well-being. At Carolina Trust, we believe in making banking accessible for everyone. If you live, work, worship, or attend school in Horry County or certain surrounding areas, you're already on your way to enjoying the benefits of membership! We offer a variety of services tailored to meet your needs, from personal checking and savings accounts to auto loans and mortgage options. For more detailed eligibility criteria, feel free to check out our website at . Opening an account is simple and straightforward. You can get started right away by visiting us at 4254 Holmestown Rd, Myrtle Beach, SC 29588, or give us a call at (843) 448-2133 if you have any questions. Our friendly team is here to help guide you through the process so that you can start enjoying all the advantages of being part of the Carolina Trust community. Join us today and experience the difference!

Business Banking & Commercial Services

Financing Your Business 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 a Difference

Imagine running your business smoothly with reliable merchant services that simplify payment processing. Our solutions enable you to accept payments easily, whether online or in-person, allowing you to focus more on serving your customers and less on managing transactions. Visit us at 4254 Holmestown Rd, Myrtle Beach, SC 29588, or give us a call at 843-448-2133 to discover how Carolina Trust can empower your business journey today!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive banking solutions tailored to meet your operational needs. From merchant services that facilitate transactions to flexible business loans, we are here to support your growth.

Convenient Digital Banking

In today's fast-paced world, we understand the importance of convenience. That's why we offer robust online and mobile banking services, allowing you to manage your finances anytime and anywhere. With features like ATM access for withdrawals and balance checks, along with person-to-person payment options, you can handle your banking tasks effortlessly.

Drive-Thru and Shared Services

At Carolina Trust, we also value your time. Our drive-thru banking service makes deposits and simple transactions quick and easy. Additionally, if you're a member of partner credit unions, enjoy the benefits of shared branch transactions for deposits and withdrawals without any hassle.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for future goals, our personal banking options have you covered. We offer checking and savings accounts tailored to fit your lifestyle. Need a car? Our auto loans and vehicle financing options make purchasing your dream vehicle straightforward and stress-free. Thinking about buying a home? Our mortgage loans and refinancing services help you navigate the housing market with confidence. If you're facing unexpected expenses or need some extra cash, consider our personal loans and debt consolidation solutions designed to assist you in managing your finances effectively. Plus, with our credit cards featuring rewards, you can earn while you spend!

Reach Out Anytime

With our friendly staff ready to assist you from Monday through Friday from 8:30 a.m. to 5:00 p.m., we're committed to providing exceptional service every day. Have questions or want more information about any of our services? Don't hesitate to call us at 843-448-2133. At Carolina Trust, we're not just a bank; we're your partner in achieving financial success! Visit us today at Carolina Trust to explore all our services tailored just for you.

Digital & Online Banking

Key Features

Our mobile application makes it even easier for you to stay connected with your accounts. With just a tap on your smartphone, you can view transactions, deposit checks, and send money through person-to-person transfers. If you prefer electronic paperwork, we offer electronic signature authorization for added convenience when signing documents. For those who want to stay organized, e-statements are available, allowing you to receive your account statements electronically. This not only helps reduce paper clutter but also keeps your information secure and easily accessible.

Security and Convenience

We prioritize your security while ensuring that our services remain straightforward and efficient. You can trust that your personal information is protected as you navigate through our digital platforms. Plus, with features like mobile payments coming soon, you'll have even more ways to handle transactions effortlessly. At Carolina Trust, we're committed to providing you with innovative solutions that enhance your banking experience. Whether you're at home or out and about in Myrtle Beach, our digital banking services are designed to empower you every step of the way.

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 supports members' financial goals across various sectors with $28,115,646 in total loans and leases and $38,853 in used auto loans.

Growing Member Base

We currently have 68,402 total share accounts, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $1,952,881, demonstrating our capacity to support your needs effectively. In conclusion, 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 4254 Holmestown Rd Myrtle Beach SC 29588 or call 843-448-2133 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our financial strength is reflected in our net income of $217,056, showcasing our operational efficiency. This allows 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, committed team.

Secure Savings Options

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 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 simple for you to apply and get approved quickly so that you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $10,719,435 provide the capital needed to grow and expand your operations. Whether you're looking to invest in equipment or cover operational costs, our team can assist you in finding the right financing solutions. At Carolina Trust, we're committed to making your borrowing experience as straightforward as possible. If you're interested in refinancing options or want to explore eligibility criteria for any of our loan products, don't hesitate to reach out. You can call us at 843-448-2133 during our operating hours from Monday through Friday from 8:30 a.m. to 5:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take that next step toward achieving your financial dreams!

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 understand that purchasing a home is one of the biggest investments you'll make; our team is dedicated to providing you with personalized service throughout the process.

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 handle daily expenses without tying up your savings.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the information presented. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the reliability and effectiveness of the platform in helping borrowers secure better rates. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures fair and transparent offers, as users can trust that they are viewing legitimate options from reputable lenders.

CAROLINA TRUST FEDERAL CREDIT UNION