--- title: "Carolina Trust Credit Union Rates: CDs to 4.54%, Mortgage 7.87%" description: "Carolina Trust Credit Union rates today: 30 year fixed mortgage 7.87% APR, savings & CDs up to 4.54% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Carolina Trust Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-carolina/carolina-trust" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Carolina Trust Credit Union Rates: CDs to 4.54%, Mortgage 7.87% ### Mortgage rates 13 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.872% APR | 7.750% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.435% APR | 6.250% | — | Standard | | **15-year Fixed 2nd Mortgage** 15 year fixed | 7.943% APR | 7.750% | — | Standard | | **15-Year Fixed, Land** 15 year fixed | 8.446% APR | 8.250% | — | Standard | | **5/1 ARM** 5 1 arm | 5.757% APR | 5.650% | — | Standard | | **First Time Home Buyer (ARM)** arm | 6.764% APR | 6.650% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.900% APR | 6.750% | — | Standard | | **Mortgage** other | — APR | 5.757% | — | Standard | | **Checking** other | — APR | 7.250% | — | Standard | | **USDA** other | 7.620% APR | 7.500% | — | Standard | | **VA** other | 7.620% APR | 7.500% | — | Standard | | **FHA** other | 7.620% APR | 7.500% | — | Standard | | **Manufactured Home Loan** other | 8.250% APR | 8.125% | — | Standard | Carolina Trust Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 22 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Auto Loan (2026 and Newer)** auto_any_48mo | — APR | 5.000% | 48 mo | Standard | | **Auto Loan** auto | — APR | 5.000% | — | Standard | | **2026 And 2025 Model Years** auto_any_48mo | — APR | 5.000% | 48 mo | Standard | | **2024, 2023, And 2022 Model Years** auto_any_48mo | — APR | 5.000% | 48 mo | Standard | | **84-Month Auto Loan (2026 and Newer)** auto_any_84mo | — APR | 5.200% | 84 mo | Standard | | **2021 And 2020 Model Years** auto_any_48mo | — APR | 5.240% | 48 mo | Standard | | **2024, 2023, And 2022 Model Years** auto_any_60mo | — APR | 5.440% | 60 mo | Standard | | **2026 And 2025 Model Years** auto_any_84mo | — APR | 5.440% | 84 mo | Standard | | **2024, 2023, And 2022 Model Years** auto_any_72mo | — APR | 5.940% | 72 mo | Standard | | **2021 And 2020 Model Years** auto_any_60mo | — APR | 5.990% | 60 mo | Standard | | **60-Month Auto Loan (2025 and Newer)** auto_any_60mo | — APR | 6.390% | 60 mo | Standard | | **2024, 2023, And 2022 Model Years** auto_any_84mo | — APR | 6.440% | 84 mo | Standard | | **RV, Motor Homes, 5th Wheels, and Pull-Along Campers** rv_any_60mo | — APR | 6.590% | 60 mo | Standard | | **144-Month Auto Loan (2025 and Newer)** auto_any_144mo | — APR | 6.790% | 144 mo | Standard | | **Motorcycle, ATV, and Jet Ski** motorcycle_any_60mo | — APR | 6.840% | 60 mo | Standard | | **48-Month Used Auto Loan (2019 and Older)** auto_used_48mo | — APR | 6.990% | 48 mo · used | Standard | | **61-96 Months ($25,000 - $49,999)** auto_any_96mo | — APR | 6.990% | 96 mo | Standard | | **180-Month Auto Loan (2025 and Newer)** auto_any_180mo | — APR | 7.040% | 180 mo | Standard | | **97-180 Months ($50,000+)** auto_any_180mo | — APR | 7.240% | 180 mo | Standard | | **2026, 2025, 2024, 2023, And 2022 Model Years** auto_any_60mo | — APR | 7.290% | 60 mo | Standard | | **2026, 2025, 2024, 2023, And 2022 Model Years** auto_any_144mo | — APR | 7.790% | 144 mo | Standard | | **2026, 2025, 2024, 2023, And 2022 Model Years** auto_any_180mo | — APR | 8.290% | 180 mo | Standard | Carolina Trust Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 5.000% | — | Standard | | **15-Year HELOC (Variable)** heloc_variable | — APR | 7.250% | — | Standard | Carolina Trust Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Certificate Secured Fixed Rate Loan** personal_secured | — APR | 2.000% | — | Standard | | **Share Secured Variable Rate Loan** personal_secured | — APR | 3.000% | — | Standard | | **Health Smart Loan** personal_unsecured_48mo | — APR | 7.750% | 48 mo | Standard | | **Up To 24 Months For $500-$2,499** personal_unsecured_24mo | — APR | 8.750% | 24 mo | Standard | | **48 Months For $5,000-$9,999** personal_unsecured_48mo | — APR | 8.750% | 48 mo | Standard | | **36 Months For $2,500-$4,999** personal_unsecured_36mo | — APR | 8.750% | 36 mo | Standard | | **24-Month Debt Consolidation Loan** personal_unsecured_24mo | — APR | 8.750% | 24 mo | Standard | | **60 Months For $10,000 Or More** personal_unsecured_60mo | — APR | 8.750% | 60 mo | Standard | | **12-Month Credit Builder Loan** personal_unsecured_12mo | — APR | 12.000% | 12 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 12.750% | — | Standard | Carolina Trust Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Variable, rate subject to Prime Rate changes** credit_card | — APR | 11.990% | — | Standard | | **Variable, rate subject to Prime Rate changes, Reward options** credit_card | — APR | 13.990% | — | Standard | Carolina Trust Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 33 offers | Product | Published | Rate | Term / condition | Status | | **Business Plus** savings | — APY | 0.05% | — | Eligibility restricted | | **Rewards Checking^** checking | — APY | 0.05% | — | Standard | | **HSA** savings | — APY | 0.13% | — | Standard | | **Money Market** money_market | — APY | 1.56% | — | Standard | | **$500 to $24,999.99 Balance** savings | — APY | 1.56% | — | Standard | | **$25,000 to $49,999.99 Balance** savings | — APY | 1.66% | — | Standard | | **$50,000 to $99,999.00 Balance** savings | — APY | 1.76% | — | Standard | | **Rewards+ Checking** checking | 2.00% APY | 2.00% | — | Standard | | **Checking** checking | 2.00% APY | 2.00% | — | Standard | | **Rewards+ Checking**** checking | — APY | 2.02% | — | Standard | | **$100,000 to $249,999.99 Balance** savings | — APY | 2.02% | — | Standard | | **$250,000.00 to $499,999.99 Balance** savings | — APY | 2.27% | — | Standard | | **Balance of $500,000.00 or greater** savings | — APY | 2.53% | — | Standard | | **12 Month Money Builder Small Term Certificate** share_certificate_12mo | — APY | 3.56% | 12 mo | Standard | | **$100 Minimum Balance** savings | — APY | 3.56% | — | Standard | | **3 Month Regular Certificate** share_certificate_3mo | — APY | 3.61% | 3 mo | Standard | | **$250 Minimum Balance** savings | — APY | 3.61% | — | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 3.71% | 6 mo | Standard | | **6 Month Regular Certificate** share_certificate_6mo | — APY | 3.71% | 6 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 3.82% | 12 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 3.82% | 24 mo | Standard | | **12 Month Regular Certificate** share_certificate_12mo | — APY | 3.82% | 12 mo | Standard | | **24 Month Regular Certificate** share_certificate_24mo | — APY | 3.82% | 24 mo | Standard | | **36 Month Regular Certificate** share_certificate_36mo | — APY | 3.87% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.87% | 36 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 3.92% | 48 mo | Standard | | **48 Month Regular Certificate** share_certificate_48mo | — APY | 3.92% | 48 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 3.97% | 60 mo | Standard | | **60 Month Regular Certificate** share_certificate_60mo | — APY | 3.97% | 60 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 4.33% | 18 mo | Standard | | **18 Month Regular Certificate** share_certificate_18mo | — APY | 4.33% | 18 mo | Standard | | **18 Month Variable Rate IRA Certificate** ira_cd_18mo | — APY | 4.54% | 18 mo | Standard | | **18 Month Variable Rate Certificate** share_certificate_18mo | 4.54% APY | 4.54% | 18 mo | Standard | Carolina Trust Credit Union savings & cd rates as of November 13, 2026 As of November 13, 2026, Carolina Trust Credit Union offers a 30-year fixed mortgage at 7.872% APR. Savings and certificate yields up to 4.54% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-carolina/carolina-trust) , verified from [Carolina Trust Credit Union's official website](https://www.carolinatrust.org/) Best product position **Room to improve vs. the South Carolina median** 30-year fixed mortgage Gap to state best **134 bp** 134 bp from state best Vs. state median **67 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked South Carolina markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.87% | Room to improve vs. the South Carolina median | 134 bp from state best | 67 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Carolina Trust Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=carolina-trust&state=south-carolina&code=SC&name=Carolina%20Trust%20Credit%20Union) Loading branch locator… ## About Carolina Trust Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 40.4K Assets $419.6M Founded 1958 Locations reported 7 NCUA charter 12361 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**South Carolina** Coventry · Myrtle Beach · SC · 29577-9468 Branch in the same ZIP](https://rateapi.dev/credit-unions/south-carolina/south-carolina) [**Santee Cooper Credit Union** Santee Cooper Credit Union · Myrtle Beach · SC · 29577-2003 About 2.8 miles away](https://rateapi.dev/credit-unions/south-carolina/santee-cooper-credit-union) [**Corning** Carolina Forest Service Center · Myrtle Beach · SC · 29579-5620 About 5.0 miles away](https://rateapi.dev/credit-unions/new-york/corning) [**Georgetown Kraft** Pawleys Island · Pawleys Island · SC · 29585-8425 About 21.0 miles away](https://rateapi.dev/credit-unions/south-carolina/georgetown-kraft) [**State Employees'** OCEAN ISLE · OCEAN ISLE BEACH · NC · 28469 About 28.0 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Dixies** Dixies Federal Credit Union · Florence · SC · 29505-3424 About 58.6 miles away](https://rateapi.dev/credit-unions/south-carolina/dixies) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Carolina Trust Credit Union Membership eligibility from Carolina Trust Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Carolina Trust Credit Union's website. Check the membership page below to confirm whether you qualify. - Location florence, horry — SC Verified from [Carolina Trust Credit Union's membership page](https://www.carolinatrust.org/) . Final membership determination is always made by the credit union. ## Membership rules for Carolina Trust Credit Union Geography 2 counties 2 published paths to membership, last verified August 5, 2026, from NCUA regulator charter records. Source-page proposal coverage: 1 of 2 extracted claims verified; 0 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Geography 2 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Florence County, SC - Horry County, SC “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Florence County, SC; Horry County, SC” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Carolina Trust Credit Union? Yes No ## Work at Carolina Trust Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Carolina Trust Credit Union ranks against South Carolina peers. - See which AI assistants fetched Carolina Trust Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in South Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=carolina-trust&state=south-carolina&code=SC&name=Carolina%20Trust%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Carolina Trust Credit Union offer? Carolina Trust Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Carolina Trust Credit Union rates updated? RateAPI verifies Carolina Trust Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Carolina Trust Credit Union's rate data? Rate data is collected directly from Carolina Trust Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Carolina Trust Credit Union's mortgage rate? As of November 13, 2026, Carolina Trust Credit Union offers a 30-year fixed mortgage at 7.872% APR. ### What is Carolina Trust Credit Union's best CD rate? As of November 13, 2026, Carolina Trust Credit Union offers savings and certificate (CD) yields up to 4.54% APY. ### Who can join Carolina Trust Credit Union? Carolina Trust Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 2 counties for Carolina Trust Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Carolina Trust Credit Union's rates against national credit-union benchmarks. [More South Carolina credit unions](https://rateapi.dev/credit-unions/south-carolina) [South Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/south-carolina) [South Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/south-carolina) [South Carolina HELOC rate leaders](https://rateapi.dev/heloc-rates/south-carolina) [South Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/south-carolina) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.carolinatrust.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Carolina Trust Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when South Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Carolina Trust Credit Union curl "https://api.rateapi.dev/credit-unions/south-carolina /carolina-trust " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Carolina Trust Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/south-carolina/carolina-trust Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp