CAROLINA TRUST FEDERAL CREDIT UNION

Welcome to Carolina Trust, your trusted financial partner since 1958. Located at 1610 Highway 17 S Ste C, Surfside Beach, SC 29575, our Surfside Branch is dedicated to serving our vibrant community and helping you achieve your financial goals. With over 41,000 members benefiting from our personalized services, we pride ourselves on being more than just a credit union; we are a cornerstone of the Surfside Beach area. At Carolina Trust, we understand that every dollar counts. That's why we manage over $396 million in assets and offer competitive rates on loans and deposits. Whether you're looking for auto loans, personal loans, or business financing, our total loans portfolio exceeds 15,000, ensuring that we have the right solution for you. Our commitment to financial wellness is reflected in our robust member services, including online banking and mobile applications for easy access to your accounts. While members can visit us at our branch location, official correspondence should be sent to the same address: 1610 Highway 17 S Ste C, Surfside Beach, SC 29575-6082. We also invite you to explore our website at carolinatrust.org for more information about our offerings. Under the leadership of CEO B. Timothy Carlisle and Board President Billy Marlowe, our team of 96 employees is here to support you with friendly service and expert advice. We believe in building lasting relationships with each of our members by providing valuable resources and tailored solutions designed to meet your needs. With a net worth of over $37 million and cash in hand totaling $8.8 million, Carolina Trust stands strong in its mission to empower members through sound financial management. We are proud to contribute positively to the community while maintaining a solid foundation for growth. Ready to take the next step in your financial journey? Visit us today or give us a call at 843-448-2133. Let's work together towards a brighter financial future!

Carolina Trust has been a cornerstone of the Surfside Beach community since it first opened its doors in 1958. Located at 1610 Highway 17 S Ste C, Surfside Beach, SC 29575, our branch has grown alongside the people we serve. With a commitment to providing exceptional financial services, we have cultivated a rich legacy of trust and support that spans over six decades. From our humble beginnings, Carolina Trust has expanded significantly, now boasting a total membership of over 41,000 and assets totaling nearly $400 million. This growth reflects our dedication to meeting the diverse needs of our members and the community at large. We are proud to offer a wide range of services including personal banking, auto loans, mortgages, business banking, and more. Our mission is clear: to empower our members by providing financial solutions that enhance their lives while also fostering a sense of community. At Carolina Trust, we believe that everyone deserves access to quality financial resources. That's why we are dedicated not only to traditional banking but also to initiatives that support local businesses and community projects. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 1610 Highway 17 S Ste C, Surfside Beach, SC 29575-6082. Our operating hours are Monday through Friday from 8:30 a.m. to 5:00 p.m., ensuring that we are available when you need us most. In addition to our personal touch and commitment to service, we are also adapting to modern needs with digital advancements such as online banking and mobile applications. Our ATM availability and drive-thru services make transactions convenient for everyone in the community. Carolina Trust is more than just a credit union; it is a partner in your financial journey. We actively engage in community outreach efforts that uplift local organizations and foster connections among residents. By joining Carolina Trust, you become part of a family that values your success and well-being. We invite you to experience the benefits of membership with Carolina Trust. Whether you're looking for guidance on loans or simply want a place where your voice matters, we're here for you. Join us today and discover how we can help you achieve your financial goals!

At Carolina Trust, we believe that everyone deserves access to a supportive financial community. Becoming a member is simple and welcoming! If you're living, working, worshiping, or attending school in Horry County, you're already on your way to joining us. We also extend membership to family members of current members, making it even easier for your loved ones to enjoy the benefits of being part of our credit union family. To discover more about the specific eligibility criteria and details, please visit this page. Once you're ready to take the next step, opening an account with us is straightforward and rewarding. Not only will you gain access to a range of financial products designed with your needs in mind, but you'll also become part of a community that prioritizes your financial well-being. If you have any questions or need assistance, don't hesitate to reach out at 843-448-2133. We're here to help you every step of the way at our branch located at 1610 Highway 17 S Ste C, Surfside Beach, SC 29575.

At Carolina Trust, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial strength, which showcases our commitment to providing reliable services to our community. 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. 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. 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 your financial goals across various sectors with $28,115,646 in total loans and leases, including $38,741,264 in used auto loans. 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. 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. Total Share Accounts: 68,402 show a strong and growing member base that trusts us with their finances. 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 1610 Highway 17 S Ste C Surfside Beach SC 29575 or call us at 843-448-2133 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.