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%

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Carolina Trust Federal Credit Union

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Carolina Trust Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Carolina Trust Federal Credit Union's top rates as of October 9, 2026 are 4.54% APY on its 18 Month Variable Rate IRA CD, 0.25% APY on savings, 2.53% APY on money market accounts, 2.02% APY on checking, 5.65% on its 5/1 Adjustable Rate Mortgage (ARM), personal loans from 8.75% APR, and credit cards from 11.99% APR, according to rates verified by MonitorBankRates. Other Carolina Trust Federal Credit Union CD rates include 18 Month Variable Rate CD at 4.54%, 18 Month IRA CD at 4.33%, and 18 Month Regular CD at 4.33%. Other Carolina Trust Federal Credit Union mortgage rates include 15-year Fixed at 6.25%, 20-year Fixed at 6.75%, and FHA Loan at 7.50%. 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 10/09/2026.

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 Q2 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; $250 Minimum Balance Last Updated 10/09/2026 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 Share Certificate; $250 Minimum Balance Last Updated 10/09/2026 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 months
Min Balance $250 Details Balance: $250 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 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 months
Min Balance $250 Details Balance: $250 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 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 months
Min Balance $250 Details Balance: $250 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 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 months
Min Balance $250 Details Balance: $250 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 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 months
Min Balance $250 Details Balance: $250 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 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 months
Min Balance $250 Details Balance: $250 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 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 months
Min Balance $250 Details Balance: $250 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 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 Minimum Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Minimum Monthly Balance to Earn Dividends Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Account	-	2.53%
Min Balance $500,000 Details Balance: Balance of $500,000.00 or greater Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market Account	-	2.27%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Balance Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market Account	-	2.02%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Balance Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market Account	-	1.76%
Min Balance $50,000 Details Balance: $50,000 to $99,999.00 Balance Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market Account	-	1.66%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Balance Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Money Market Account	-	1.56%
Min Balance $500 Details Balance: $500 to $24,999.99 Balance Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.56% APY · checked 2 times 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 $10,000 Details Balances up to $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Rewards Checking	-	0.08%
Min Balance $2,500 Details Balances over $2,500 or more in combined checking and savings Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Rewards Checking	-	0.05%
Min Balance $250 Details Balances over $250 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Rewards+ Checking	-	0.05%
Min Balance $10,000 Details Balances over $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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	Term
5/1 Adjustable Rate Mortgage (ARM)	5.65%	-	5.757%	5/1 ARM
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.58% → 5.76% ▲ 0.18 pts · high 5.76% / low 5.58% Oct 9, 20265.76%▲ from 5.58% Sep 14, 20265.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
15-year Fixed	6.25%	-	6.435%	15-year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.11% → 6.44% ▲ 0.33 pts · high 6.44% / low 6.11% Oct 2, 20266.44%▲ from 6.11% Sep 14, 20266.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
20-year Fixed	6.75%	-	6.90%	20-year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.57% → 6.90% ▲ 0.33 pts · high 6.90% / low 6.57% Oct 2, 20266.90%▲ from 6.57% Sep 14, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
FHA Loan	7.50%	-	7.62%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.62% ▲ 0.63 pts · high 7.62% / low 6.99% Oct 2, 20267.62%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
30-year Fixed	7.75%	-	7.872%	30-year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.79% → 7.87% ▲ 1.08 pts · high 7.87% / low 6.79% Oct 2, 20267.87%▲ from 6.79% Sep 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
15-year Fixed Land Loan	8.25%	-	8.446%	15-year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.12% → 8.45% ▲ 0.33 pts · high 8.45% / low 8.12% Oct 2, 20268.45%▲ from 8.12% Sep 14, 20268.12%first recorded 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 Vehicles - 2026 and Newer model years Loan	-	-	5.00%	Up to 48 months
Details As low as; Model Year: 2026 and Newer Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 5, 20265.00%▲ from 4.75%* Sep 17, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
New Vehicles - 2026 and Newer model years Loan	-	-	5.00%	49-60 months
Details As low as; Model Year: 2026 and Newer Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 5, 20265.00%▲ from 4.75%* Sep 17, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
New Vehicles - 2026 and Newer model years Loan	-	-	5.00%	61-72 months
Details As low as^; Model Year: 2026 and Newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 5.00% ▲ 0.16 pts · high 5.00% / low 4.84% Oct 5, 20265.00%▲ from 4.84%* Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2024, 2023, and 2022 model years Loan	-	-	5.00%	Up to 48 months
Details As low as; Model Year: 2024, 2023, and 2022 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.00% ▲ 0.01 pts · high 5.00% / low 4.99% Oct 5, 20265.00%▲ from 4.99%* Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2024, 2023, and 2022 model years Loan	-	-	5.00%	2022 months
Details As low as; Model Year: 2024, 2023, and 2022 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 5.44% → 5.00% ▼ 0.44 pts · high 5.44% / low 5.00% Oct 5, 20265.00%▼ from 5.44%* Sep 29, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2026 and 2025 model years Loan	-	-	5.00%	Up to 48 months
Details As low as; Model Year: 2026 and 2025 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 5, 20265.00%▲ from 4.75%* Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2026 and 2025 model years Loan	-	-	5.00%	2025 months
Details As low as; Model Year: 2026 and 2025 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.84% → 5.00% ▲ 0.16 pts · high 5.00% / low 4.84% Oct 5, 20265.00%▲ from 4.84%* Sep 29, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
New Vehicles - 2026 and Newer model years Loan	-	-	5.20%	73-84 months
Details As low as*^; Model Year: 2026 and Newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2021 and 2020 model years Loan	-	-	5.24%	Up to 48 months
Details As low as*; Model Year: 2021 and 2020 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2026 and 2025 model years Loan	-	-	5.44%	2025 months
Details As low as^; Model Year: 2026 and 2025 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.84% → 5.44% ▲ 0.60 pts · high 5.44% / low 4.84% Oct 5, 20265.44%▲ from 4.84%* Sep 29, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2024, 2023, and 2022 model years Loan	-	-	5.94%	2022 months
Details Additional APR listed for this product: 6.44%. As low as^; Model Year: 2024, 2023, and 2022 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 5.44% → 5.94% ▲ 0.50 pts · high 5.94% / low 5.44% Oct 5, 20265.94%▲ from 5.44%* Sep 29, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2021 and 2020 model years Loan	-	-	5.99%	2020 months
Details As low as*; Model Year: 2021 and 2020 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Vehicles - 2019 and older model years Loan	-	-	6.99%	Up to 48 months
Details As low as*; Model Year: 2019 and older Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%

Carolina Trust Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats - 2025 and Newer Model Years Loan	-	6.39%	Up to 60 months
Details APR as low as; * Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
RV, Motor Homes, 5th Wheels, and Pull-Along Campers Loan	-	6.59%	Up to 60 months
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
New Boats - 2025 and Newer Model Years Loan	-	6.79%	61-144 months
Details APR as low as^; * Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Motorcycle, ATV, and Jet Ski Loan	-	6.84%	Up to 60 months
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.84% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
RV, Motor Homes, 5th Wheels, and Pull-Along Campers Loan	-	6.99%	61-96 months
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
New Boats - 2025 and Newer Model Years Loan	-	7.04%	145-180 months
Details APR as low as^; * Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.04% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
RV, Motor Homes, 5th Wheels, and Pull-Along Campers Loan	-	7.24%	97-180 months
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Boats - 2026, 2025, 2024, 2023, and 2022 model years Loan	-	7.29%	Up to 60 months
Details APR as low as; * Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.29% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Used Boats - 2026, 2025, 2024, 2023, and 2022 model years Loan	-	7.79%	2022 months
Details Additional APR listed for this product: 8.29%. APR as low as^; * Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.79% APR · checked 3 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	View More
Credit Cards	-	11.99%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.74% → 11.99% ▲ 0.25 pts · high 11.99% / low 11.74% Sep 18, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded 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 Loan amount: $500-$2,499 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Debt Consolidation Loan	8.75%	36 months
Details Loan amount: $2,500-$4,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Debt Consolidation Loan	8.75%	60 months
Details Loan amount: $10,000 or more Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Loan	8.75%	up to 24 months
Details Loan amount: $500-$2,499 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Loan	8.75%	36 months
Details Loan amount: $2,500-$4,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Loan	8.75%	48 months
Details Loan amount: $5,000-$9,999 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Loan	8.75%	60 months
Details Loan amount: $10,000 or more Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Personal Line of Credit	12.75%
Details Also utilized as an Overdraft Line of Credit Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 8 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%	15-year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.62% → 7.94% ▲ 0.33 pts · high 7.94% / low 7.62% Oct 2, 20267.94%▲ from 7.62% Sep 14, 20267.62%first recorded 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 10/09/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
First Time Home Buyer Loan	6.65%	-	6.764%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.80% → 6.76% ▼ 1.03 pts · high 7.80% / low 6.76% Oct 2, 20266.76%▼ from 7.80% Sep 14, 20267.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Health Smart Loan	-	-	7.75%	up to 48 months
Details Loan amount: up to $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Health Smart Loan	-	-	8.25%	60 months
Details Loan amount: $5,001-$15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Health Smart Loan	-	-	8.50%	72 months
Details Loan amount: $15,001-$25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Home Smart Loan	-	-	7.75%	up to 48 months
Details Loan amount: up to $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Home Smart Loan	-	-	8.25%	60 months
Details Loan amount: $5,001-$15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Home Smart Loan	-	-	8.50%	72 months
Details Loan amount: $15,001-$25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Lime Essentials Loan	-	-	11.99%
Details Variable, rate subject to Prime Rate changes Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.74% → 11.99% ▲ 0.25 pts · high 11.99% / low 11.74% Sep 17, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
LimeRewards Loan	-	-	13.99%
Details Variable, rate subject to Prime Rate changes, Reward options Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.74% → 13.99% ▲ 0.25 pts · high 13.99% / low 13.74% Sep 17, 202613.99%▲ from 13.74% Sep 14, 202613.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
LimeRewards+ Loan	-	-	14.99%
Details Variable, rate subject to Prime Rate changes, Reward options Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.74% → 14.99% ▲ 0.25 pts · high 14.99% / low 14.74% Sep 17, 202614.99%▲ from 14.74% Sep 14, 202614.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Manufactured Home Loan	8.125%	-	8.25%
Details As Low As Last Updated 10/09/2026 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%
USDA Loan	7.50%	-	7.62%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.61% → 7.62% ▲ 1.01 pts · high 7.62% / low 6.61% Oct 2, 20267.62%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.86%
Business Plus	-	-	0.05%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 7 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.
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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

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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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

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.

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 October 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

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Carolina Trust Federal Credit Union Auto Loan Rates

Carolina Trust Federal Credit Union RV, Boat and Powersport Loan Rates

Carolina Trust Federal Credit Union Credit Card Rates

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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

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?

Current Carolina Trust Federal Credit Union Rates

Compare to Other Credit Unions