Click on the links below to navigate to a specific section on this page. We will update this page to keep you informed with the latest information. 

Branch Hours and Operation

Branch Safety

Covid-19 FAQs

We Are Here For You

Remain Alert: Secret Shopper Scam

Bank Where You Are


FAQ Regarding Stimulus Payments

CEO Communication to Members


Our branch locations are currently open and operating during normal business hours. Protective masks are recommended, and member appointments are highly encouraged since lobby capacity is limited to ensure social distancing. Please click on the Book Now button to schedule an appointment at your preferred branch. 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.

Please note, Shared Branching and Wire Transactions services are available only in the lobby.

We appreciate your patience.

Lobby Hours:
Monday – Friday: 8:30 am – 5:00 pm

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

  • Monday – Thursday: 8:00 am – 5:00 pm
  • Friday: 8:00 am – 6:00 pm

*No Drive-Thru

Branch Safety

It’s true we are all re-opening to a very different world. COVID-19 is still part of our national and world landscape, so you will notice some changes at Carolina Trust branches to help us better protect our employees and members through this existing threat. 

  • Beginning Wednesday, April 13, if you enter a branch lobby for service, we recommended all visitors to wear a protective face mask or covering. If wearing a face mask or covering, you will be asked to present a valid Photo ID and briefly lower your mask for identification purposes. We appreciate your cooperation as we work to maintain a secure environment for everyone.
  • For your safety and the safety of our staff, we have:
    • placed plexiglass shields at the Teller Lines and Member Service desks.
    • provided Social Distancing floor reminders to ensure no one feels crowded if waiting in line or in the lobby area.
    • placed hand sanitizing stations in our lobbies.
    • installed air purification ionization technology at all branches.
    • provided face masks to staff.
    • asked our employees to refrain from shaking hands at this time and limit personal contact greetings, like hugging. We have missed our members, and nothing says welcome back like a warm hug or friendly handshake.  However, because we cherish you and our staff, we are currently limiting personal contact to comply with CDC guidance.
  • If you are experiencing any COVID-19 related symptoms, such as fever or cough in the past 48 hours, please choose to conduct transactions via our digital banking or drive-thru services. We are taking precautions and making many efforts to keep our employees, members and branch visitors safe.  Remaining at home if we feel unwell is one of the best ways to keep our communities safe.
  • Handwashing is one of the best ways to protect yourself and your family from getting sick. Click here to learn when and how you should wash your hands to stay healthy.

We worked diligently throughout the pandemic to maintain digital banking, phone assistance, ATM access and drive-thru operations to serve our members’ financial needs.  We greatly appreciate your patience and cooperation as we adjust to re-opening branches with expanded measures in place to promote safety and service.

Although our in-branch methods may have changed a little, our commitment to providing you with some of the best loan rates, lowest fees – or no fees, and innovative self-service solutions has not wavered.  If you’re thinking about refinancing your auto loan or considering a low-rate credit card or home equity loan, contact us to see how we can save you money and add value to your Credit Union membership.


Widespread COVID-19 testing has helped health professionals understand the severity and the spread of the virus in the Myrtle Beach area over the last two months.

It is not uncommon for people to be infected with COVID-19 and have no symptoms or experience mild symptoms. But at what point should you go get tested? The Sun News has complied a list of questions and answers from local hospital officials to help you decide if you should get tested, what a test is like and where you can get one.

Should I still go get tested if I have no symptoms?

Even if you have no symptoms, it’s important to be tested. The U.S. Centers for Disease Control and Prevention estimates up to 40 percent of COVID-19 transmissions happen before people feel sick.

If I’ve had the virus, should I still wear a face mask even if I’m not contagious anymore?

Yes, you should still wear a face mask and “hold fast” to all recommendations. Other recommendations health officials encourage are washing your hands often and practicing social distancing.

How are tests administered?

COVID-19 tests are typically administered with a cotton swab in the nasal cavity. Some clinics administer throat swabs and other clinics require patients to administer nasal swabs to themselves.

How long should I quarantine if I test positive for COVID-19?

Patients should isolate themselves for 10 to 14 days after the onset of COVID-19 symptoms.  A patient needs a minimum of three days with no symptoms before returning to work or visiting public places.

How long will it take to get my test results back?

Test results can take between 2 and 14 days to be returned to patients, depending on the volume of tests being administered.

Where can I get tested?

There are several places around the Grand Strand offering free testing clinics. CVS Pharmacy is offering free drive-thru testing, where you administer the test yourself. Local CVS test sites are the 38th Avenue North, Socastee Boulevard and Highway 17 in Surfside locations. Patients must register online to schedule an appointment before showing up to test sites.

What can I do if I have more questions about COVID-19?

If you have general questions about the coronavirus, you can call the DHEC Care Line at 855-472-3432.

Conway Medical Center offers a phone line where you can speak with a medical professional to be screened for COVID-19. The line is open from 8 a.m. until 4:30 p.m. Monday-Friday at 843-428-8767, and you can speak with a registered nurse.

Tidelands also offers a virtual screening with MUSC. Here is more information.

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. If you need assistance, please contact us to discuss options. We are here to help you.

Remain Alert

We have been notified that CTFCU official checks have been counterfeited and are a part of a Secret Shopper Scam.  If a check is received with a letter instructing the individual to purchase gift cards, not to proceed and notify us immediately at

Visit the links below for information on how to protect yourself from secret shopper and gift card scams:

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. Carolina Trust representatives will not request your account information through text or over the phone.

Carolina Trust representatives will never encourage members to buy crypto currency on our social media platforms. Please be aware of any post or review encouraging you to do so. 

Visit the links below for additional information on how to protect yourself from scam artists and identity thieves:


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 $225 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.


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 is the third Economic Impact Payment?
The American Rescue Plan Act of 2021 was signed into law on March 11, 2021, and the U.S. Treasury is working to distribute round three of the Economic Impact Payments (EIPs). Some Americans may see the direct deposit payments as pending or as provisional payments in their accounts before the official payment date of March 17.

Those eligible will automatically receive an Economic Impact Payment of up to $1,400 for individuals or $2,800 for married couples, plus $1,400 for each dependent. Unlike EIP1 and EIP2, families will get a payment for all their dependents claimed on a tax return, not just their qualifying children under 17. Normally, a taxpayer will qualify for the full amount if they have an adjusted gross income of up to $75,000 for singles and married persons filing a separate return, up to $112,500 for heads of household and up to $150,000 for married couples filing joint returns and surviving spouses. Payment amounts are reduced for filers with incomes above those levels.

When will I receive my money?
The IRS will calculate and automatically send the economic impact payment to those who are eligible. The economic impact payment will be deposited directly into the same financial institution account reflected on the filed return. Please note, Carolina Trust representatives cannot speak to anyone other than the account holder. For those without current direct deposit information on file, they will receive the payment as a check or debit card in the mail. The form of payment for the third stimulus payment may differ from the first two.

How do I find out if the IRS is sending me a payment?
People can check the status of their third payment by using the Get My Payment tool on beginning Monday, March 15.

New payments differ from earlier Economic Impact Payments
The third round of stimulus payments, those authorized by the 2021 American Rescue Plan Act, differs from the earlier payments in several respects:
  • The third stimulus payment will be larger for most people. Most families will get $1,400 per person, including all dependents claimed on their tax return. Typically, this means a single person with no dependents will get $1,400, while a family of four (married couple with two dependents) will get $5,600.
  • Unlike the first two payments, the third stimulus payment is not restricted to children under 17. Eligible families will get a payment based on all of their qualifying dependents claimed on their return, including older relatives like college students, adults with disabilities, parents and grandparents.
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 07/06/2021