Credit union · NCUA insured
Carolina Trust Credit Union Savings Rates
Carolina Trust Credit Union’s best savings rate is 1.56% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Carolina Trust Credit Union’s savings 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
1.56%APY
- Minimum
- —
- Earns on $10,000 a year
- $156
Money Market
2nd-highest rate
Woodforest National Bank
1.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $100
3rd-highest rate
Conway National Bank
0.60%APY
- Minimum
- $500
- Earns on $10,000 a year
- $60
Carolina Trust Credit Union savings score
89
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.56%
- $10,000 balance$10,0001.56%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.56%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Carolina Trust Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.56%APY
Allows up to 6 penalty-free withdrawals monthly; frequent deposits allowed. Check ordering available. If account balance falls below $500 within a month, a fee will be assessed and no dividends will be awarded that month. If more than 6 withdrawals are made during a month, a fee will be assessed for each withdrawal over six. Rates subject to change monthly without prior notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $25,000 | 1.56% | $156 |
| $25,000 – $50,000 | 1.66% | — |
| $50,000 – $99,999 | 1.76% | — |
| $100,000 – $250,000 | 2.02% | — |
| $250,000 – $500,000 | 2.27% | — |
| $500,000 and up | 2.53% | — |
Sources (2)
All captured Oct 4, 2026
Primary Share / Regular Share Savings
0.10%APY
Open account with $5 (minimum deposit from each account owner if adding a joint member). Members who only have a savings account should maintain a minimum balance of $100 to earn dividends and avoid fees. Subject to an excessive withdrawal fee of $2 per withdrawal if more than four withdrawals are made during a calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum monthly balance of $100 to earn dividends.$100 and up | 0.10% | $10 | Minimum monthly balance of $100 to earn dividends. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Coverdell Education Savings Account (ESA)
0.25%APY
Maximum annual contribution of $2,000 per year for each child under the age of 18. Funds must be used by beneficiary by age 30. Contributors are subject to income eligibility restrictions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upSave for educational expenses. $5 required minimum balance; no monthly fees.$5 and up | 0.25% | $25 | Save for educational expenses. $5 required minimum balance; no monthly fees. |
Sources (2)
All captured Oct 22, 2026
IRA Savings Account
0.25%APY
Retirement savings account. Consult your tax advisor regarding IRA contributions. Withdrawals will reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRetirement savings. Consult your tax advisor regarding IRA contributions. Withdrawals will reduce earnings.Any balance | 0.25% | $25 | Retirement savings. Consult your tax advisor regarding IRA contributions. Withdrawals will reduce earnings. |
Sources (2)
All captured Oct 22, 2026
Christmas Club Account
0.18%APY
Funds automatically transfer to savings account on November 1st. Withdrawals made after the seventh day from account opening and prior to November 1st incur a $10 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFunds transfer to savings November 1st. $5 required minimum balance; no monthly fees.$5 and up | 0.18% | $18 | Funds transfer to savings November 1st. $5 required minimum balance; no monthly fees. |
Sources (2)
All captured Oct 22, 2026
Health Savings Account (HSA)
0.18%APY
Must be covered under a qualifying High Deductible Health Plan (HDHP), not covered by any other health plan, not enrolled in Medicare, not claimed as a dependent on another person's tax return, and under age 65. No set-up or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor high deductible health plans. No maintenance fees.Any balance | 0.18% | $18 | For high deductible health plans. No maintenance fees. |
Sources (2)
All captured Oct 22, 2026
Goal Club Youth Account
0.10%APY
A parent or guardian must complete the membership application and co-sign on any minor account. Subject to an excessive withdrawal fee of $2 if more than four withdrawals are made during a calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum monthly balance to earn dividends is $25.$25 and up | 0.10% | $10 | Minimum monthly balance to earn dividends is $25. |
Sources (2)
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.