We Are Here for You!

We’re all trying to navigate these new challenges. During this unprecedented time, Carolina Trust recognizes you may need some financial relief and we're doing our part to bring some to those in need by:

  • Waiving the Check by Phone fee if you need to make a Carolina Trust loan payment using another financial institution’s check.
  • Offering members the following programs: 
    • Pandemic Emergency Assistance Loan
      This fixed-rate loan is designed for members who have been negatively impacted by the pandemic and need assistance with unexpected expenses.
      • Maximum $5,000 loan amount with an option to defer the first loan payment for 90 days*
      • Fixed Rate of 4.99% APR**
      • Maximum term of 24 months
      • A credit report and full application is required

              Apply Now        
      *The loan amount will be up to one (1) month of member’s verifiable net income.  Verifiable Net income is defined as take-home pay after taxes and other payroll deductions using member’s most recent paystub that is within 30 days of the loan application. Interest will continue to accrue on a skipped loan payment. **Loan approval is subject to credit worthiness. Loan type subject to borrower qualifications. Interest rate reductions cannot be applied. Payment Example: A loan amount of $5,000 at 4.99% APR for a term of 24 months would result in a monthly payment of approximately $219.33. Offer valid for a limited time only. Certain restrictions apply. Contact Credit Union for more details.

    • Vehicle and Personal Loans Payment Deferral 
      This enables borrowers to defer your vehicle or personal loan payment for up to 3 months. There is no program fee for this service. Interest will continue to accrue on any skipped payment(s), and you may participate in this program even if you participated in the Holiday Skip Payment promotion. Ask about our first payment deferral option for new auto and personal loans*. 
      Request Skip A Pay
      * Interest will continue to accrue on a skipped loan payment. Certain restrictions apply. Contact Credit Union for more details.
    • Mortgages Payment Deferral 
      For eligible members, we are offering a 3-month payment deferral for First and Second Mortgages. Loan account must be current, and financial hardship must have resulted from the current COVID-19 pandemic. Second mortgages include home equity loans and lines of credit. If payment deferral is approved, interest will continue to accrue on the outstanding mortgage loan balance during the 3-month relief period.
      Request Deferment

Remain Alert

We encourage you to remain vigilant against fraudulent email and phone calls. Identity thieves are phishing for people’s personal information and playing on vulnerabilities during this time. Stay alert, and never give out your personal or account information by clicking on a link or talking to a caller whose identity you cannot verify. Remember, if we call you about a service request, our Carolina Trust representative will be able to verify your initial online request to us.

Click here to read an article from the Credit Union National Association about three of the most prevalent COVID-19 scams and how to avoid them. 

Additionally, VISA has created educational materials that can help you keep your data safe during this increasingly challenging time. 

Bank Where You Are

We also encourage you to take advantage of our E-Z Teller Phone, mobile and online banking services. These tools empower you to remotely conduct banking and payment transactions quickly, easily and securely. Transfer funds between your accounts, check balances, verify cleared checks and direct deposits, make a loan payment, pay your bills via online and mobile banking, deposit checks with our mobile banking app and more! And don’t forget about our real-time e-Alert options to help you manage and monitor your accounts.

Funds Availability Reminder: Total funds deposited via drive-thru, ATM or mobile deposit will typically be made available in up to two (2) business days following the date of deposit.  The first $200 of your deposit will be made available on the first business day after the date of deposit.  Carolina Trust may make total funds available sooner based on account relationship factors.  In some cases, longer delays may apply depending on the type of check deposited, account relationship and other considerations.  If there is a concern with a deposited item, we may delay your ability to withdraw funds from the deposited item for up to nine business days.  Funds from electronic direct deposits (ACH) will be available the day we receive the deposit. More details available here.

Stay Updated

We will update this page to keep you informed with the latest information. 

We have reopened our lobbies with temporarily abbreviated hours while our drive-thru hours remain unchanged. Member appointments are highly encouraged since lobby capacity will be limited to ensure social distancing. To schedule an appointment, please call 843.448.2133, ext. 3. 

Periodically, there may be longer wait times, but your financial needs are our priority. We will contact you to process your request, and if necessary, waive any service related fee that may result from our delay in getting back with you. We appreciate your patience.

Lobby Hours:
Monday – Friday: 9:00 am – 4:00 pm

  • 1010 21st Avenue North Myrtle Beach, SC 29577
  • 4254 Holmestown Road Myrtle Beach, SC 29588
  • 1610-C Highway 17 South Surfside Beach, SC 29575
  • 1602 Highway 17 Little River, SC 29566
  • 2518 Main Street Conway, SC 29526
  • 219 West Main Street Lake City, SC 29560
  • 422 North Georgetown Highway Johnsonville, SC 29555

    Drive-Thru Hours:
    • Monday – Thursday: 8:00 am – 5:00 pm
    • Friday: 8:00 am – 6:00 pm

Please consider the methods listed below for Credit Union services while our branch lobbies have limited hours.

Money Withdrawal CTFCU ATMs and Drive-Thrus
Check Deposit CTFCU Mobile App, ATMs* and Drive-Thrus
Loan Digital Application: carolinatrust.org
Phone: 843.448.2133, ext. 2
Loan Payment Drive-Thrus
Transfer funds via online; exact amount in mobile
Transfer funds via E-Z Teller: 843.448.2133, ext. 1
Check by Phone: 843.448.2133, ext. 2

Credit Card Payments via Online Banking only
Card Services
Credit Lost/Stolen:     800.654.7728 
PIN Now Credit (new/reset):      800.527.7728 
Debit Lost/Stolen:  888.918.7810 
PIN Now Debit (new/reset): 866.985.2273
Wires Previously Authorized: use same procedure
First-Time Wire: request via Online Banking
General Questions Phone: 843.448.2133, ext. 3

*Click here to identify deposit capable ATM locations.



Carolina Trust is not a Small Business Administration lender participant. Please visit the SBA website for details related to the Paycheck Protection Program loan for small businesses or to find a participating SBA lender in your area. 

FAQ Regarding Stimulus Payments

How much should I expect?
Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child.

How is the amount determined? 
Tax filers with adjusted gross income up to $75,000 for individuals should receive $1,200.  If adjusted gross income is up to $150,000 for married couples filing joint returns, then $2,400 should be received. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and joint filers with income exceeding $198,000 with no children are not eligible. Social Security recipients and railroad retirees who are otherwise not required to file a tax return are also eligible and will not be required to file a return. 

When will I receive my money? 
In the coming weeks, The IRS will calculate and automatically send the economic impact payment to those who are eligible.  For people who have already filed their 2019 tax returns, the IRS will use this information to calculate the payment amount. For those who have not yet filed their return for 2019, the IRS will use information from their 2018 tax filing to calculate the payment. The economic impact payment will be deposited directly into the same financial institution account reflected on the filed return.

What if I did not have my return direct deposited – how will I get my money? 
In the coming weeks, the Treasury plans to develop a web-based portal so individuals can provide their account information to the IRS online.  That way, people can receive their payments immediately via direct deposit as opposed to waiting for mailed checks. 

Please visit the IRS website for additional information on eligibility and delivery of economic impact funds.

View Letters from our CEO below:

Last Updated on 6/1/2020