Credit union · NCUA insured
Carolina Trust Credit Union Auto Loan Rates
Carolina Trust Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Carolina Trust Credit Union’s auto loan rates compare
Compared with banks and credit unions near Myrtle Beach, SC, where Carolina Trust Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Carolina Trust Credit Union
5.00%APR
- Terms
- 61–72 months
- Discount
- None included
New Vehicles Auto Loans
Lowest rate
Santee Cooper Credit Union
4.24%APR
- Terms
- —
- Discount
- None included
3rd-lowest rate
SouthState Bank
5.23%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Carolina Trust Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carolina Trust Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicles Auto Loans
Advertised APR includes a 0.25% rate reduction for automatic draft and a 0.25% rate reduction contingent on a loan-to-value less than 80%. Approved auto loan rate will not be lower than 5.00% APR, including applicable discount(s). Green Auto Loan discount of 0.25% APR available for qualifying EPA SmartWay vehicles no older than 5 years financed at the Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | 2026 and Newer model years. Up to 48 months. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 49–60 months | 5.00% | 2026 and Newer model years. 49-60 months. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 61–72 months | 5.00% | 2026 and Newer model years. 61-72 months. Minimum $15,000 to be financed for a 72-month term. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 73–84 months | 5.20% | 2026 and Newer model years. 73-84 months. Minimum $25,000 to be financed for an 84-month term. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
Sources (3)
- carolinatrust.org/loans/rates-8-1
- carolinatrust.org/loans/rates
- carolinatrust.org/loans/vehicle-loans/auto-loans
All captured Oct 22, 2026
Used Vehicles Auto Loans
Advertised APR includes a 0.25% rate reduction for automatic draft and a 0.25% rate reduction contingent on a loan-to-value less than 80%. Approved auto loan rate will not be lower than 5.00% APR, including applicable discount(s). Green Auto Loan discount of 0.25% APR available for qualifying EPA SmartWay vehicles no older than 5 years financed at the Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | 2026 and 2025 model years. Up to 48 months. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 49–60 months | 5.00% | 2026 and 2025 model years. 49-60 months. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 61–72 months | 5.00% | 2026 and 2025 model years. 61-72 months. Minimum $15,000 to be financed for a 72-month term. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 73–84 months | 5.44% | 2026 and 2025 model years. 73-84 months. Minimum $25,000 to be financed for an 84-month term. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 49–60 months | 5.44% | 2024, 2023, and 2022 model years. 49-60 months. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 61–72 months | 5.94% | 2024, 2023, and 2022 model years. 61-72 months. Minimum $15,000 to be financed for a 72-month term. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 73–84 months | 6.44% | 2024 model year only (per p112 footnote) or 2023 model year only (per p111 footnote). $25,000 is the minimum amount to be financed for a 73-month/84-month term. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| up to 48 months | 5.24% | 2021 and 2020 model years. Up to 48 months. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| 49–60 months | 5.99% | 2021 and 2020 model years. 49-60 months. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
| up to 48 months | 6.99% | 2019 and older model years. Up to 48 months. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%. |
Sources (3)
- carolinatrust.org/loans/rates-8-1
- carolinatrust.org/loans/rates
- carolinatrust.org/loans/vehicle-loans/auto-loans
All captured Oct 22, 2026
Who can join Carolina Trust Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.