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Carolina Trust Carolina Trust
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Business Details
Your Trusted Credit Union in Myrtle Beach, SC
Carolina Trust has been a cornerstone of community-focused financial services since its founding. As a member-owned institution, we prioritize personalized relationships over transactional interactions, offering tailored solutions for checking, savings, loans, and business accounts. Our team of experienced professionals combines local expertise with a commitment to innovation, ensuring members access competitive rates, cutting-edge digital tools, and financial education resources.

With seven branches across South Carolina, we serve individuals and businesses through transparent practices, no hidden fees, and a dedication to community development. Our NCUA-insured products reflect our mission to empower members with financial security while maintaining the highest standards of ethical conduct and operational excellence.
Services
Checking Accounts Savings Plans Auto Loans Mortgages Credit Cards Business Banking Digital Wallets Financial Education Notary Services ATM Network
Highlights and features
  • We offer personalized financial solutions developed through 40+ years of local market expertise.
  • Our NCUA-insured accounts guarantee $250,000 federal protection for member deposits.
  • Digital banking platform provides 24/7 account access with real-time transaction monitoring.
  • Community reinvestment initiatives support local economic development and education programs.
  • Dedicated relationship managers deliver customized wealth-building strategies for every member.
Associations and certifications
  • National Credit Union Administration (NCUA)
What people say
Outstanding service Quick loan approvals Knowledgeable staff Community involvement Competitive rates
Update Listing
Services
Checking Accounts
Our checking accounts provide flexible financial management with no hidden fees. Members enjoy free online bill pay, mobile check deposit, and nationwide surcharge-free ATM access. Competitive interest rates apply to qualifying balances, with specialized options for youth accounts and premium rewards programs.
Auto Loans
Carolina Trust offers competitive auto loan rates for new and used vehicle purchases. Our streamlined approval process includes first-time buyer programs and refinancing options. Loan terms up to 72 months with dedicated support from experienced lending specialists ensure personalized solutions for every member.
Mortgage Loans
We provide comprehensive mortgage solutions including fixed-rate and adjustable-rate loans. First-time homebuyer programs feature down payment assistance and financial counseling. Our local underwriting team ensures faster approvals and customized terms for primary residences, investment properties, and home equity needs.
Digital Banking
24/7 digital access includes real-time account monitoring, person-to-person payments, and budgeting tools. Mobile app features biometric login, check deposit, and location-based branch/ATM finder. Enhanced security protocols protect against fraud while maintaining seamless user experience.
Business Banking
Tailored solutions for small and medium enterprises include business checking, merchant services, and commercial loans. Dedicated relationship managers provide cash management tools, payroll processing, and customized credit lines. Exclusive member benefits support local business growth and financial stability.
People
Judy Lerry
Branch Manager
With over 15 years in financial services, Judy specializes in personalized banking solutions. She leads the 21st Ave branch with a focus on community engagement and member education. Her expertise in loan origination and commitment to exceptional service make her a trusted advisor.
Dustin Daniels
Loan Officer
Dustin brings eight years of automotive finance experience to his role. Known for quick approvals and transparent communication, he helps members achieve vehicle ownership goals. His customer-first approach has earned multiple service excellence awards.
Colleen
Branch Manager
Leading the Surfside branch, Colleen has transformed customer service standards. With a decade in credit union operations, she specializes in account management and staff development. Her team consistently receives top satisfaction scores for personalized financial guidance.
Kathy Platt
Branch Manager
A 20-year industry veteran, Kathy oversees the Holmestown Road location. She focuses on mortgage solutions and financial wellness education. Her leadership emphasizes proactive problem-solving and building long-term member relationships through trust and transparency.
Morgan Woodrum
Banking Specialist
Morgan excels in digital account integration and new member onboarding. With five years at Carolina Trust, she specializes in resolving complex banking transitions. Her technical expertise and friendly demeanor make her a favorite among tech-savvy members.
Questions
What membership requirements exist for Carolina Trust?
We serve residents of Horry, Georgetown, and Williamsburg counties in South Carolina, plus military-affiliated individuals through our Coastal Carolina University partnership.
How do I access 24/7 banking services?
Our digital banking platform provides 24/7 account access through mobile apps, online portals, and audio response phone banking systems.
What loan products require collateral?
Secured loans like auto financing and home equity lines require collateral. Unsecured options include personal loans and credit cards with qualifying credit scores.
Can I use Carolina Trust services outside South Carolina?
Through our CO-OP Shared Branch network, members access services at 30,000+ ATMs and 5,000 credit union locations nationwide.
What financial education resources are available?
BALANCE Financial Fitness offers free budgeting tools, debt counseling, and identity theft protection resources to all members.
How does Carolina Trust support local communities?
We sponsor the Myrtle Beach Bowl, offer scholarship programs, and partner with Coastal Carolina University for financial literacy initiatives.
Reviews (6)
Jennifer Grady
Jan 06, 2022 Report
I have been banking with CTFCU since 1998. This has always been an amazing bank. They have helped me with any issues I've ever had. I do find it easier to stop in and address any concerns in person. I've had things happen like a stolen check, fraudulent charges etc. They helped me resolve it. I've had a personal loan and car loan with them and the experience was great. All of the staff have been kind, understanding and helpful. Thank you CTFCU for meeting my banking needs.
Brenda Bragdon
Oct 14, 2021 Report
I was so excited to be a credit union member. I have had problems with auto pay, issues with my account number and now have spent an hour trying to talk to someone calling the main number given for the credit union , the automated voice doesnt allow you to speak with someone unless you have a name and because my account number doesnt appear to be valid, I am once again having to drive to the office because of the above issues
Kimberly Kimberly
Aug 03, 2021 Report
I'm going to start by saying I won't ever come back to to this location... came in seen NO ONE so I signed in and waited 10mins later a couple came in and waited about 5mins...the guy in office got done with a lady and he proceeded to the back and then came out talked with the lady in the middle area talking about lunch from what I heard.... then he looks on the signs-in list and picks the last name on it and calls them in the office. I got up and started to tell the two ladies
but knew it would have been a waist...so I left drove to the location on Holmestown Rd and the moment I walked in I was
Glenn Pippin
Jul 15, 2021 Report
Everyone at Carolina Trust is just absolutely phenomenal. I cant speak highly enough about Mrs. Audrey Turner and Mrs. Reena Fleming. They go absolutely above and beyond and are such a pleasure to work with every single time.
Amy Whistle & Base
May 28, 2021 Report
Not for Restaurant Servers. I went to the 21st Ave N. branch twice over a 2 week period to get change and the Tellers said No both times without giving me any options, leaving me asking to see a Manager to get it. Except the last time the manager, allegedly, wasn't available and I got frustrated. A man with the teller next to me ease dropped accusing me of being rude to my teller. My teller who was the Teller Manager did nothing about his interruption. I was stuck defending myself against him while she and the other teller Contently watched us Argue. He forced me to apologized to the Teller Manager
Alex Hamilton
May 25, 2021 Report
This is one of the slimiest employers I have ever had to deal with and I didnt even work here! The only reason they stay in business is because everyone that moves here uses them for shared branch banking. I hope another credit union opens and puts you guys out of business some day because you are the worst!