Credit union · NCUA insured
Carolina Trust Credit Union CD Rates
Carolina Trust Credit Union’s best CD rate is 4.54% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Carolina Trust Credit Union’s CD rates compare
Compared with banks and credit unions near Myrtle Beach, SC, where Carolina Trust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Carolina Trust Credit Union
4.54%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $689
Variable Rate Share Certificate
Top rate
Southern Bank
5.00%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $1,070
3rd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Variable Rate Share Certificate
4.54%APY · 1 term
Dividend rate may vary monthly; permits deposits as often as preferred. Early withdrawal penalty applies; withdrawals reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate; deposits permitted during the term. Early withdrawal penalty applies; withdrawals reduce earnings | 4.54% | $689 |
Sources (1)
- carolinatrust.org/accounts/savings/certificates · captured Oct 4, 2026
Regular Share Certificate
Up to 4.33%APY · 8 terms
Early withdrawal penalty applies; withdrawals reduce earnings. Bump-A-Rate option available on terms of 18 months or greater (bump once for 18-36 months, twice for 48+ months after the first 12 months if rates rise).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies; withdrawals reduce earnings | 3.61% | $89 |
| 6 monthsEarly withdrawal penalty applies; withdrawals reduce earnings | 3.71% | $184 |
| 12 monthsEarly withdrawal penalty applies; withdrawals reduce earnings | 3.82% | $382 |
| 18 monthsEarly withdrawal penalty applies; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate once after the first 12 months without extending maturity | 4.33% | $656 |
| 24 monthsEarly withdrawal penalty applies; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate once after the first 12 months without extending maturity | 3.82% | $779 |
| 36 monthsEarly withdrawal penalty applies; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate once after the first 12 months without extending maturity | 3.87% | $1,207 |
| 48 monthsEarly withdrawal penalty applies; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate twice after the first 12 months without extending maturity | 3.92% | $1,663 |
| 60 monthsEarly withdrawal penalty applies; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate twice after the first 12 months without extending maturity | 3.97% | $2,149 |
Sources (1)
- carolinatrust.org/accounts/savings/certificates · captured Oct 4, 2026
Money Builder Certificate
3.56%APY · 1 term
Available for beginning savers; early withdrawal penalty applies; withdrawals reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty applies; withdrawals reduce earnings | 3.56% | $356 |
Sources (1)
- carolinatrust.org/accounts/savings/certificates · captured Oct 4, 2026
Special-purpose accounts
Variable Rate IRA Certificate
4.54%APY · 1 term
Variable rate IRA certificate; permits unlimited deposits during the term. Early withdrawal penalty applies; withdrawals reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate IRA certificate; permits unlimited deposits during the term. Early withdrawal penalty applies; withdrawals reduce earnings | 4.54% | $689 |
Sources (1)
- carolinatrust.org/accounts/savings/certificates · captured Oct 4, 2026
IRA Share Certificate
Up to 4.33%APY · 7 terms
Individual Retirement Account certificate; early withdrawal penalty applies; withdrawals reduce earnings. Bump-A-Rate option available on terms of 18 months or greater.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsIRA certificate subject to penalty for early withdrawal; withdrawals reduce earnings | 3.71% | $184 |
| 12 monthsIRA certificate subject to penalty for early withdrawal; withdrawals reduce earnings | 3.82% | $382 |
| 18 monthsIRA certificate subject to penalty for early withdrawal; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate once after the first 12 months without extending maturity | 4.33% | $656 |
| 24 monthsIRA certificate subject to penalty for early withdrawal; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate once after the first 12 months without extending maturity | 3.82% | $779 |
| 36 monthsIRA certificate subject to penalty for early withdrawal; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate once after the first 12 months without extending maturity | 3.87% | $1,207 |
| 48 monthsIRA certificate subject to penalty for early withdrawal; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate twice after the first 12 months without extending maturity | 3.92% | $1,663 |
| 60 monthsIRA certificate subject to penalty for early withdrawal; withdrawals reduce earnings. Bump-A-Rate option allows bumping rate twice after the first 12 months without extending maturity | 3.97% | $2,149 |
Sources (1)
- carolinatrust.org/accounts/savings/certificates · captured Oct 4, 2026
Who can join Carolina Trust Credit Union
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