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Carolina Trust Federal Credit Union

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Carolina Trust Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Carolina Trust Federal Credit Union?

Current rates for Carolina Trust Federal Credit Union include: 12-Month CD: 3.56%, 18-Month CD: 4.33%, 24-Month CD: 3.82%, 60-Month CD: 3.97%, Savings: 0.25%, MMA: 2.53%

Q: What CD terms does Carolina Trust Federal Credit Union offer?

Carolina Trust Federal Credit Union CD rates are 3.56% APY for a 12 month CD, 4.542% APY for an 18 month CD, 3.82% APY for a 2 year CD, 3.87% APY for a 3 year CD, 3.92% APY for a 4 year CD and 3.97% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Carolina Trust Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Carolina Trust Federal Credit Union's 18 Month Variable Rate CD rates are at 4.54%, 18 Month Regular CD rates are at 4.33%, 60 Month Regular CD rates are at 3.97%, 48 Month Regular CD rates are at 3.92%, 36 Month Regular CD rates are at 3.87%. Carolina Trust Federal Credit Union's savings rates are at 0.25%. Carolina Trust Federal Credit Union's money market rates are at 2.53%. Carolina Trust Federal Credit Union's checking rates are as high as 2.02%. Carolina Trust Federal Credit Union's 5/1 Adjustable Rate Mortgage (ARM) rates are at 5.65%, 15-year Fixed rates are at 6.25%, First Time Home Buyer (ARM) rates are at 6.65%, 20-year Fixed rates are at 6.75%, 30-year Fixed rates are at 7.75%. Carolina Trust Federal Credit Union's Personal Loan Rates are as low as 8.75%. Carolina Trust Federal Credit Union's Credit Card Rates are at 11.99%. Carolina Trust Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Carolina Trust Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.86%. Rates last updated and verified on 10/29/2026.

Carolina Trust Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Carolina Trust Federal Credit Union? Share your experience about Carolina Trust Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Carolina Trust Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.86%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Carolina Trust Federal Credit Union
Carolina Trust Federal Credit Union

1010 21st Ave N
Myrtle Beach, SC 29577-7485

https://carolinatrust.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Carolina Trust Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Variable Rate IRA Certificate	-	4.542%	18 Month
Min Balance $250 Details Variable rate; IRA certificate; subject to change on the last Thursday of the month; subject to penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07% Oct 5, 20264.54%▲ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
18 Month Variable Rate Share Certificate	-	4.542%	18 Month
Min Balance $250 Details Variable rate; subject to change on the last Thursday of the month; subject to penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.54% ▲ 0.47 pts · high 4.54% / low 4.07% Oct 5, 20264.54%▲ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
18 Month IRA Share Certificate	-	4.33%	18 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07% Oct 5, 20264.33%▲ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
18 Month Regular Share Certificate	-	4.33%	18 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07% Oct 5, 20264.33%▲ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
60 Month IRA Share Certificate	-	3.97%	60 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82% Oct 5, 20263.97%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
60 Month Regular Share Certificate	-	3.97%	60 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82% Oct 5, 20263.97%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
48 Month IRA Share Certificate	-	3.92%	48 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76% Oct 5, 20263.92%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
48 Month Regular Share Certificate	-	3.92%	48 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76% Oct 5, 20263.92%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
36 Month IRA Share Certificate	-	3.87%	36 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 3.87% ▲ 0.16 pts · high 3.87% / low 3.71% Oct 5, 20263.87%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
36 Month Regular Share Certificate	-	3.87%	36 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 3.87% ▲ 0.16 pts · high 3.87% / low 3.71% Oct 5, 20263.87%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
12 Month IRA Share Certificate	-	3.82%	12 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 5, 20263.82%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
12 Month Regular Share Certificate	-	3.82%	12 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 5, 20263.82%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
24 Month IRA Share Certificate	-	3.82%	24 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 5, 20263.82%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
24 Month Regular Share Certificate	-	3.82%	24 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 5, 20263.82%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
6 Month IRA Share Certificate	-	3.71%	6 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45% Oct 5, 20263.71%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
6 Month Regular Share Certificate	-	3.71%	6 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45% Oct 5, 20263.71%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
3 Month Regular Share Certificate	-	3.61%	3 Month
Min Balance $250 Details Features: $250 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 5, 20263.61%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
12 Month Money Builder Small Term Share Certificate	-	3.56%	12 Month
Min Balance $100 Details Features: $100 Minimum Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings Account	-	0.25%
Details Retirement savings; withdrawals will reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Health Savings Account (HSA)	-	0.18%
Details For high deductible health plans; withdrawals will reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Goal Club Youth Account	-	0.10%
Min Balance $25 Details Minimum Monthly Balance to earn dividends- $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Primary Share / Business Savings	-	0.10%
Min Balance $100 Details $100 Minimum Monthly Balance to Earn Dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	2.53%
Min Balance $500,000 Details Balance: $500,000.00 or greater Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27% Oct 13, 20262.53%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market	-	2.27%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 2.27% ▲ 0.25 pts · high 2.27% / low 2.02% Oct 13, 20262.27%▲ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market	-	2.02%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 2.02% ▲ 0.26 pts · high 2.02% / low 1.76% Oct 13, 20262.02%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market	-	1.76%
Min Balance $50,000 Details Balance: $50,000 to $99,999.00 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 1.76% ▲ 0.25 pts · high 1.76% / low 1.51% Oct 13, 20261.76%▲ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market	-	1.66%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.41% → 1.66% ▲ 0.25 pts · high 1.66% / low 1.41% Oct 13, 20261.66%▲ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market	-	1.56%
Min Balance $500 Details Balance: $500 to $24,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.31% → 1.56% ▲ 0.25 pts · high 1.56% / low 1.31% Oct 13, 20261.56%▲ from 1.31% Sep 14, 20261.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Checking Rates

Product	Rate	APY
Rewards+ Checking	-	2.02%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $10,000.00; $5.95 Monthly Maintenance Fee applies in any month qualifications are not met Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Rewards Checking	-	0.08%
Min Balance $2,500 Details Balance: $2,500 or more in combined checking and savings Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Rewards Checking	-	0.05%
Min Balance $250 Details Balance: over $250 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
5/1 Adjustable Rate Mortgage (ARM)	5.65%	-	5.757%
Details As Low As; Interest Rate as low as 5.650% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.76% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
15-year Fixed	6.25%	-	6.435%
Details As Low As; Interest Rate as low as 6.250% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
First Time Home Buyer (ARM)	6.65%	-	6.764%
Details As Low As; Interest Rate as low as 6.650% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
20-year Fixed	6.75%	-	6.90%
Details As Low As; Interest Rate as low as 6.750% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
30-year Fixed	7.75%	-	7.872%
Details As Low As; Interest Rate as low as 7.750% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.87% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
15-year Fixed Land Loan	8.25%	-	8.446%
Details As Low As; Interest Rate as low as 8.250% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 8.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
15-Year Home Equity Line of Credit	7.25%	-	7.25%
Details As Low As; Maximum APR: will not exceed 15.50%; Floor rate: 5.00%; Variable rate based on highest WSJ Money Rates Table prime rate on the 20th of each month Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan - 2026 and Newer Model Years	-	-	5.00%	Up to 48 months
Details As Low As; Model Year: 2026 and Newer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
New Vehicle Loan - 2026 and Newer Model Years	-	-	5.00%	49-60 months
Details As Low As; Model Year: 2026 and Newer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
New Vehicle Loan - 2026 and Newer Model Years	-	-	5.00%	61-72 months
Details As Low As; Model Year: 2026 and Newer; $15,000 is the minimum amount to be financed for a 72-month term Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2024, 2023, and 2022 Model Years	-	-	5.00%	Up to 48 months
Details As Low As; Model Year: 2024, 2023, and 2022 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2026 and 2025 Model Years	-	-	5.00%	Up to 48 months
Details As Low As; Model Year: 2026 and 2025 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
New Vehicle Loan - 2026 and Newer Model Years	-	-	5.20%	73-84 months
Details As Low As; Model Year: 2026 and Newer; $25,000 is the minimum amount to be financed for an 84-month term Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2021 and 2020 Model Years	-	-	5.24%	Up to 48 months
Details As Low As; Model Year: 2021 and 2020 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2024, 2023, and 2022 Model Years	-	-	5.44%
Details Model year 2022; As Low As; Model Year: 2024, 2023, and 2022 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2026 and 2025 Model Years	-	-	5.44%
Details Model year 2025; As Low As; Model Year: 2026 and 2025; $25,000 is the minimum amount to be financed for an 84-month term Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2024, 2023, and 2022 Model Years	-	-	5.94%
Details Model year 2022; As Low As; Model Year: 2024, 2023, and 2022; $15,000 is the minimum amount to be financed for a 72-month term Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2021 and 2020 Model Years	-	-	5.99%
Details Model year 2020; As Low As; Model Year: 2021 and 2020 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2024, 2023, and 2022 Model Years	-	-	6.44%
Details Model year 2022; As Low As; Model Year: 2024, 2023, and 2022; 2024 model year only; $25,000 is the minimum amount to be financed for a 73-month term Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicle Loan - 2019 and Older Model Years	-	-	6.99%	Up to 48 months
Details As Low As; Model Year: 2019 and older Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Lime Essentials	-	11.99%
Details As Low As; Conditions: Variable, rate subject to Prime Rate changes Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 11.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Visa LimeRewards	-	13.99%
Details As Low As; Conditions: Variable, rate subject to Prime Rate changes, Reward options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 13.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Visa LimeRewards+	-	14.99%
Details As Low As; Conditions: Variable, rate subject to Prime Rate changes, Reward options Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 14.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Visa Secured	-	17.99%
Details As Low As; Conditions: Variable, rate subject to Prime Rate changes, $30 annual fee Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 17.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	8.75%	up to 24 months
Details As Low As; Loan amount $500-$2,499 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Debt Consolidation Loan	8.75%	36 months
Details As Low As; Loan amount $2,500-$4,999 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Debt Consolidation Loan	8.75%	60 months
Details As Low As; Loan amount $10,000 or more Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Loan	8.75%	up to 24 months
Details As Low As; Loan amount $500-$2,499 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Loan	8.75%	36 months
Details As Low As; Loan amount $2,500-$4,999 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Loan	8.75%	48 months
Details As Low As; Loan amount $5,000-$9,999 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Loan	8.75%	60 months
Details As Low As; Loan amount $10,000 or more Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Line of Credit	12.75%
Details As Low As; Also utilized as an Overdraft Line of Credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15-year Fixed 2nd Mortgage	7.75%	-	7.943%
Details As Low As; Interest Rate as low as 7.750% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Credit Builder Loan	-	-	12.00%	6 - 12 months
Details Loan amount $500-$1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Government Loan Programs - FHA	7.50%	-	7.62%
Details As Low As; Government Loan Programs; Annual Percentage Rate (APR)* subject to credit worthiness Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Government Loan Programs - USDA	7.50%	-	7.62%
Details As Low As; Government Loan Programs; Annual Percentage Rate (APR)* subject to credit worthiness Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Government Loan Programs - VA	7.50%	-	7.62%
Details As Low As; Government Loan Programs; Annual Percentage Rate (APR)* subject to credit worthiness Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Health Smart Loan	-	-	7.75%	up to 48 months
Details As Low As; Loan amount up to $5,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Health Smart Loan	-	-	8.25%	60 months
Details As Low As; Loan amount $5,001-$15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Health Smart Loan	-	-	8.50%	72 months
Details As Low As; Loan amount $15,001-$25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Home Smart Loan	-	-	7.75%	up to 48 months
Details As Low As; Loan amount up to $5,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Home Smart Loan	-	-	8.25%	60 months
Details As Low As; Loan amount $5,001-$15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Home Smart Loan	-	-	8.50%	72 months
Details As Low As; Loan amount $15,001-$25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Manufactured Home Loan	8.125%	-	8.25%
Details As Low As; Interest Rate as low as 8.125% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 8.25% ▲ 1.01 pts · high 8.25% / low 7.24% Oct 2, 20268.25%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Business Plus	-	-	0.05%
Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Coverdell Education Savings Account (ESA)	-	-	0.25%
Details Save for educational expenses; withdrawals will reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
HSA	-	-	0.125%
Details Offers convenient VISA debit card access Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Carolina Trust Federal Credit Union’s Texas Ratio stayed near 5.99% in Q3 2023 to 5.86% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$422M	5.86%	5.0	A+
March 31, 2026	$420M	5.26%	5.0	A+
December 31, 2025	$407M	7.95%	5.0	A
September 30, 2025	$409M	5.66%	5.0	A+
June 30, 2025	$411M	3.58%	5.0	A+
March 31, 2025	$412M	3.97%	5.0	A+
December 31, 2024	$394M	6.08%	5.0	A
September 30, 2024	$397M	5.31%	5.0	A+
June 30, 2024	$395M	4.93%	5.0	A+
March 31, 2024	$404M	5.52%	5.0	A+
December 31, 2023	$392M	5.81%	5.0	A+
September 30, 2023	$387M	5.99%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Carolina Trust Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Carolina Trust Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Carolina Trust Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Carolina Trust Federal Credit Union

Website https://carolinatrust.org

Address 1010 21st Ave N, Myrtle Beach, SC 29577-7485

Phone 843-448-2133

Fax 843-626-3470

President Billy Marlowe

CEO B. Timothy Carlisle

Full-Time Employees 103

Part-Time Employees 4

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.86%

Return on Assets (ROA)

0.4618%

Return on Equity (ROE)

4.6882%

Non-Performing Loans Ratio (NPL)

0.83%

Total Assets

422,018,477

Total Amount of Shares and Deposits

375,881,714

Total Shares and Deposits < 1 Year

369,447,771

Total Shares and Deposits 1 3 Years

5,373,972

Total Shares and Deposits > 3 Years

1,059,970

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,411,874

Total Uninsured Shares and Deposits > $250K (F+J)

11,411,874

Total Insured Shares and Deposits > $250K (item 17 less item K)

364,469,840

Total Interest Expense (Sum of items 6 8)

1,010,263

Share Certificates

1,343

Number of Accounts for Share Drafts

21,509

IRA KEOGH Accounts

914

Number of Accounts for Regular Shares

39,246

All other shares

1,036

Money Market Shares

595

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,988,728

Total Liabilities

381,227,722

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Carolina Trust Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Carolina Trust Federal Credit Union

Does Carolina Trust Federal Credit Union offer CDs?

Yes. Carolina Trust Federal Credit Union current CD rates include its 18 Month Variable Rate CD at 4.542% APY, its 18 Month Regular CD at 4.33% APY and its 60 Month Regular CD at 3.97% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Carolina Trust Federal Credit Union NCUA insured?

Yes. Carolina Trust Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Carolina Trust Federal Credit Union?

The highest Carolina Trust Federal Credit Union CD rate is its 18 Month Variable Rate IRA CD at 4.542% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Carolina Trust Federal Credit Union offer?

Carolina Trust Federal Credit Union CD rates are 3.56% APY for a 12 month CD, 4.542% APY for an 18 month CD, 3.82% APY for a 2 year CD, 3.87% APY for a 3 year CD, 3.92% APY for a 4 year CD and 3.97% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Carolina Trust Federal Credit Union for its full lineup.

What is the highest savings rate at Carolina Trust Federal Credit Union?

The highest Carolina Trust Federal Credit Union savings rate is its IRA Savings Account at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Carolina Trust Federal Credit Union?

The highest Carolina Trust Federal Credit Union money market rate is its Money Market at 2.53% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Carolina Trust Federal Credit Union?

The highest Carolina Trust Federal Credit Union checking rate is its Rewards+ Checking at 2.02% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Carolina Trust Federal Credit Union?

The lowest Carolina Trust Federal Credit Union 30 year fixed mortgage rate is its 30-year Fixed at 7.75%, verified by MonitorBankRates as of October 29, 2026. Carolina Trust Federal Credit Union mortgage rates are 7.75% for a 30 year mortgage, 6.75% for a 20 year mortgage and 6.25% for a 15 year mortgage.

What is the lowest auto loan rate at Carolina Trust Federal Credit Union?

The lowest Carolina Trust Federal Credit Union auto loan rate is its New Vehicle Loan - 2026 and Newer Model Years at 5.00% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Carolina Trust Federal Credit Union?

The lowest Carolina Trust Federal Credit Union personal loan rate is its Personal Loan at 8.75% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Carolina Trust Federal Credit Union?

The lowest Carolina Trust Federal Credit Union credit card APR is its Visa Lime Essentials Credit Card at 11.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Carolina Trust Federal Credit Union operate?

Carolina Trust Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Carolina Trust Federal Credit Union?

Yes, to access services at Carolina Trust Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Carolina Trust Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Carolina Trust Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Carolina Trust Federal Credit Union offer online and mobile banking?

Most modern institutions like Carolina Trust Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://carolinatrust.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Carolina Trust Federal Credit Union rates compare?

Carolina Trust Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. Carolina Trust Federal Credit Union's top rates are its 18 Month Variable Rate IRA CD at 4.542% APY, its IRA Savings Account at 0.25% APY, its Money Market at 2.53% APY, its Rewards+ Checking at 2.02% APY, its 5/1 Adjustable Rate Mortgage (ARM) at 5.65%, its Debt Consolidation Loan at 8.75% APR and its Visa Lime Essentials Credit Card at 11.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Carolina Trust Federal Credit Union Rates

12-Month CD3.56%
18-Month CD4.33%
24-Month CD3.82%
60-Month CD3.97%
Savings0.25%
MMA2.53%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Carolina Trust Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Carolina Trust Federal Credit Union Texas Ratio

Carolina Trust Federal Credit Union Health Trend

Carolina Trust Federal Credit Union CD Rates

Carolina Trust Federal Credit Union Savings Rates

Carolina Trust Federal Credit Union Business Savings Rates

Carolina Trust Federal Credit Union Money Market Rates

Carolina Trust Federal Credit Union Checking Rates

Carolina Trust Federal Credit Union Mortgage Rates

Carolina Trust Federal Credit Union Home Equity & HELOC

Carolina Trust Federal Credit Union Auto Loan Rates

Carolina Trust Federal Credit Union Credit Card Rates

Carolina Trust Federal Credit Union Personal Loan Rates

Carolina Trust Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Carolina Trust Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Carolina Trust Federal Credit Union

Does Carolina Trust Federal Credit Union offer CDs?

Are CDs from Carolina Trust Federal Credit Union NCUA insured?

What is the highest CD rate at Carolina Trust Federal Credit Union?

What CD terms does Carolina Trust Federal Credit Union offer?

What is the highest savings rate at Carolina Trust Federal Credit Union?

What is the highest money market rate at Carolina Trust Federal Credit Union?

What is the highest checking rate at Carolina Trust Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Carolina Trust Federal Credit Union?

What is the lowest auto loan rate at Carolina Trust Federal Credit Union?

What is the lowest personal loan rate at Carolina Trust Federal Credit Union?

What is the lowest credit card APR at Carolina Trust Federal Credit Union?

How many branches does Carolina Trust Federal Credit Union operate?

Is a member application needed to join Carolina Trust Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Carolina Trust Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Carolina Trust Federal Credit Union rates compare?

Current Carolina Trust Federal Credit Union Rates

Compare to Other Credit Unions