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Carolina Trust Credit Union Share
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Overview Share
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Carolina Trust Credit Union is a federal credit union based in Myrtle Beach, South Carolina. It has been opened since 1958, for 64 years.

With around $239,790,000 in assets, Carolina Trust Credit Union is considered to be a very large credit union. It has 8 branches and 7 ATM locations.

About Share
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Address 1010 21st Avenue N, PO Box 780004
Myrtle Beach, South Carolina 29578
Website http://carolinatrust.org
Phone (843) 448-2133
Fax (843) 626-3470
CEO B. Timothy Carlisle
President of the Board Charles Thrash
Services Offered
Score Card Share
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64 years
Years in business
Opened in 1958
Well Capitalized
Net worth classification
Source: NCUA
41,726 members
Membership type: Community credit union
Above average number of members
477:1
Credit union member to staff ratio
477 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$239,794,331
Total assets
Above average
8 branches
Compared with an average of 4 nationally and 4 in South Carolina
Above average number of branches
0.07%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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8 branches
Compared with an average of 4 nationally and 4 in South Carolina
Above average number of branches
Carolina Trust Credit Union Branch Locations

Carolina Trust Credit Union: Conway Branch
2518 Main Street
Conway, South Carolina 29526
ATM Available
Carolina Trust Credit Union: Little River Branch
1602 Highway 17
Little River, South Carolina 29566
ATM Available
Carolina Trust Credit Union: Holmestown Road
4254 Holmestown Road
Myrtle Beach, South Carolina 29588
No ATM
Carolina Trust Credit Union: Holmestown Road Branch
4254 Holmestown Road
Myrtle Beach, South Carolina 29588
ATM Available
Carolina Trust Credit Union: Surfside Branch
1610 Highway 17 S. Suite C.
Surfside Beach, South Carolina 29575
ATM Available
Carolina Trust Credit Union: Johnsonville Branch
422 North Georgetown Highway
Johnsonville, South Carolina 29555
ATM Available
Carolina Trust Credit Union: Lake City Branch
219 W. Main Street
Lake City, South Carolina 29560
ATM Available
Carolina Trust Federal Credit Union
1010 21st Avenue North
Myrtle Beach, South Carolina 29577
ATM Available
Members Share
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41,726 members
Membership type: Community credit union
Above average number of members

With 41,726 members, the Carolina Trust Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 90% of credit unions.

Fees Share
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$81
Average fee per member
The average fee per member at the Carolina Trust Credit Union is $81, which is high compared to most credit unions. This rate is higher than 75% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Carolina Trust Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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477:1
Credit union member to staff ratio
477 per each FTE employee
Compared to 411:1 nationally
Fewer staff
88 staff members
FTE (full-time equivalent)
1% of employees are part-time
87 full-time, 1 part-time

Carolina Trust Credit Union has 87 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 99% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Carolina Trust Credit Union has around 477 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$239,794,331
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$12,125
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 65% of credit unions.

Carolina Trust Credit Union holds a total of $168,160,000 in loans and leases, which is about $12,125 per member on average.

Savings interest rate Share
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0.07%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Carolina Trust Credit Union pays 0.07%.

Loan rates Share
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
14.58%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
14.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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7.37%
New car loan rate
Compared to 4.0% nationally
7.37%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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6.70%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
6.70%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Similar Credit Unions to Carolina Trust Credit Union

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Carolina Trust Credit Union: Holmestown Road Branch
Credit Union Branch: 4254 Holmestown Road
Myrtle Beach, South Carolina 29588 ATM Available
Carolina Trust Credit Union: Lake City Branch
Credit Union Branch: 219 W. Main Street
Lake City, South Carolina 29560 ATM Available
Carolina Trust Credit Union: Johnsonville Branch ATM
Credit Union ATM: 422 North Georgetown Highway
Johnsonville, South Carolina 29555
Carolina Trust Credit Union: Conway Branch ATM
Credit Union ATM: 2518 Main Street
Conway, South Carolina 29526
Carolina Trust Credit Union: Surfside Branch
Credit Union Branch: 1610 Highway 17 S. Suite C.
Surfside Beach, South Carolina 29575 ATM Available
Carolina Trust Credit Union: Johnsonville Branch
Credit Union Branch: 422 North Georgetown Highway
Johnsonville, South Carolina 29555 ATM Available
Carolina Trust Credit Union: Conway Branch
Credit Union Branch: 2518 Main Street
Conway, South Carolina 29526 ATM Available
Carolina Trust Credit Union: Holmestown Road
Credit Union Branch: 4254 Holmestown Road
Myrtle Beach, South Carolina 29588 No ATM
Carolina Trust Credit Union: Little River Branch
Credit Union Branch: 1602 Highway 17
Little River, South Carolina 29566 ATM Available
Carolina Trust Federal Credit Union
Credit Union Branch: 1010 21st Avenue North
Myrtle Beach, South Carolina 29577 ATM Available