Credit union · NCUA insured
Carolina Trust Credit Union
A $419.6M credit union headquartered in Myrtle Beach, SC, with 40,399 members and 7 branches in South Carolina. Best rates: CDs 4.54% and savings 1.56% APY.
Carolina Trust Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#1 of 12 in Myrtle Beach, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Carolina Trust Credit Union
Founded in 1958 as Myrtle Beach Air Force Base Federal Credit Union, Carolina Trust Federal Credit Union is a member-owned credit union operating under a community charter.
Operating 7 branch locations, the credit union serves Brunswick County in North Carolina as well as Horry, Georgetown, Marion, Williamsburg, and southern Florence County in South Carolina.
Carolina Trust is dedicated to addressing the distinct financial needs of the unbanked and underserved within its communities through tailored financial solutions.
- Headquarters
- 1010 21st Ave N, Myrtle Beach, SC 29577-7485
- NCUA charter
- 12361
Branches
7 branches in South Carolina
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South Carolina
7 branches
Myrtle Beach area · 5
- Carolina Trust Federal Credit UnionMain office1010 21st Ave N, Myrtle Beach, SC 29577Directions
- Conway Branch2518 Main St, Conway, SC 29526Directions
- Little River Branch1602 Highway 17, Little River, SC 29566Directions
- Holmestown Road Branch4254 Holmestown Rd, Myrtle Beach, SC 29588Directions
- Surfside Branch1610 Highway 17 S Ste C, Surfside Beach, SC 29575Directions
Florence area · 2
- Johnsonville Branch422 N Georgetown Hwy, Johnsonville, SC 29555Directions
- Lake City Branch133 W Main St, Lake City, SC 29560Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.04% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.83% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.94% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio10.04%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.83%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.94%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Carolina Trust Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.