Business Details
Your Trusted Partner for Credit Union Services in Myrtle Beach, SC
Carolina Trust Federal Credit Union has been a trusted financial partner for over four decades, rooted in the Carolinas with a commitment to community-focused banking. Our team of experienced professionals delivers personalized service across a comprehensive range of financial solutions, including competitive loan programs, secure savings options, and innovative digital tools. With a foundation built on integrity and customer satisfaction, we consistently earn recognition for our responsive service, financial expertise, and dedication to improving members' financial well-being. Our reputation for resolving complex banking challenges and maintaining transparent communication has made us a preferred choice for both individuals and businesses throughout our service area. 
Services
Auto Loans
Mortgages
Checking Accounts
Credit Cards
Shared Branching
Fraud Prevention
Online Banking
Vehicle Refinancing
Highlights and features
- We offer competitive loan rates with personalized financial solutions
- Our team provides same-day loan approvals for qualified applicants
- 24/7 digital banking access with robust security features
- Community-focused approach with multigenerational customer relationships
- Award-winning staff with decades of combined financial expertise
What people say
Exceptional customer service
Knowledgeable loan officers
Quick loan approvals
Friendly and professional
Community-focused approach
Services
Auto Loans
Our competitive auto loan programs feature fast approvals and flexible terms for new and used vehicles. With rates starting at 5.25% APR, our experienced loan officers help members secure optimal financing solutions for their transportation needs. Dedicated support throughout the entire loan process ensures a seamless experience from application to vehicle purchase.
Mortgages
We offer comprehensive mortgage solutions with personalized guidance for homebuyers and refinancers. Current rates start at 6.229% APR, with options for conventional, FHA, and specialized programs. Our mortgage specialists provide clear explanations of all loan terms and requirements to help members make informed housing decisions.
Checking Accounts
Our checking account options provide secure access to everyday banking with competitive APYs. Features include mobile deposit, bill pay, and personalized account alerts. Members benefit from dedicated support for account management and financial planning through both branch and digital platforms.
Shared Branching
Through our shared branching network, members access nationwide banking convenience while maintaining local account management. This service allows transactions at participating credit unions across the country, ensuring banking flexibility for members traveling or relocating without compromising personalized service standards.
Digital Banking
Our digital banking platform provides 24/7 account access with robust security features. Members enjoy mobile check deposit, real-time transaction monitoring, and customizable budgeting tools. Continuous platform updates ensure modern digital solutions while maintaining the same personalized support available through branch locations.
People
Judy Lerry
Loan Officer
With over 20 years of financial experience, Judy specializes in personalized loan solutions. She consistently receives member commendations for her expertise, responsiveness, and ability to explain complex financial products clearly while maintaining a welcoming approach to customer service.
Dustin Daniels
Loan Specialist
Recognized for exceptional customer service and quick loan processing, Dustin has built strong relationships with first-time and returning borrowers. His patient guidance through the application process and commitment to finding tailored solutions have established him as a trusted financial partner.
Morgan Woodrum
Branch Manager
Leading the Surfside branch team, Morgan combines technical expertise with approachable service. Known for efficiently resolving complex account issues, she maintains a welcoming environment while ensuring staff deliver consistent, high-quality service that reflects the credit union's values.
Kathy Platt
Branch Manager
A dedicated branch leader with decades of credit union experience, Kathy prioritizes member satisfaction through warm interactions and financial guidance. Her team consistently receives praise for maintaining personalized service while implementing modern banking solutions to meet evolving customer needs.
Colleen
Branch Manager
Leading the Surfside location with expertise and approachability, Colleen ensures new members receive comprehensive account education. Her team's positive energy and commitment to financial literacy have made this branch a preferred destination for both basic and complex banking services.
Questions
What loan programs do you offer for first-time homebuyers?
We provide multiple mortgage options including FHA loans with low down payment requirements, along with personalized guidance through our FirstTime Homebuyer Program.
Can I access my account outside regular business hours?
Our digital banking platform offers 24/7 account access, and shared branching locations allow in-person transactions at participating credit unions nationwide.
How quickly can I get approved for an auto loan?
Qualified applicants often receive same-day approvals with our streamlined digital application process and dedicated loan officer support.
Do you offer business banking services?
Yes, we provide business checking accounts, commercial loans, and merchant services tailored to local entrepreneurs and small businesses.
How does shared branching work?
This service allows members of participating credit unions to conduct transactions at any network location while maintaining account management through their home institution.