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Carolina Trust

1010 21ST AVE N, P.O.BOX 780004, Myrtle Beach, SC 29578
NCUA Insured4.2 (250 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1958

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1010 21ST AVE N, P.O.BOX 780004

Myrtle Beach, SC 29578

Service Area

This credit union is located in Myrtle Beach and serves members in the SC area. Currently serving 40,191 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.25%

Used Auto Loan

8.50%

Personal Loan

10.50%

Credit Card APR

13.25%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in SC

Lowest rates currently reported by credit unions in SC (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.2

250 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Val J

Val J

3 months ago

I'm in tears. Been bothered all day. Never in my almost 60 years has this happened...I don't have an account here, thank God but this was a branch since I'm from da Triad NC. Just in nearby town 4 my moms who dealing with alot of medical issues & yest she had dialysis so I had 2 be bk at a certain time. I 4got 2 bring my license & it's raining a little but I had my passport. I asked young white lady can I use. She said yes. There was older white lady 2 da right of her. While I was filling out deposit slip & answerd questions...outta blue da young white lady says take off ur hat. I had on a white cap. It was a little cold & I didn't do my hair. It was braided tho so wearing da cap made me look more professional. Whilst I'm doing slip versus at da beginning is when she said take off ur cap. I started feeling funny. As a child of God & a Army disabled vet my spidey senses was like she treated me like a wanted criminal. I've been in many banks my whole life & never was told this. Since I deal with PTSD I was getting anxious, angry yet trying 2 stay calm. No one was behind me. I took off da hat. It took 4ever trying 2 get outta there but only minutes had passed. I made deposit & was so glad 2 be outta there.Had 2 get myself 2gether in da car. And if I had on a wig, would I have 2 take that off?

donald dodge

donald dodge

4 months ago

SOUTHERN HOSPITALITY My name is Don, I moved to Myrtle Beach 2years ago.my son recommended Carolina Trust on 21st street. I am used to doing business in banks from NY. Ex. Whoever is next in line, what can I do for you. EnterCarolina Trust, Hello or Good morning, how can I help you today. The experience, welcoming, warm and genuine. I didn't feel like a customer but someone special. The banks from NY should come down here for. Customer Care classes. Thank you to everyone I've come in contact with from CarolinaTrust

Joni Holderman

Joni Holderman

3 months ago

Wow, customer service has really gone downhill since 2024. I went in with a simple request to access my accounts online after trying a thousand times myself. The first person acted like I was wasting his time and basically told me to go home and do it myself. When I went back, a different employee treated me like I was stupid, in addition to wasting her time. Again, the answer was go home and do it yourself. It turns out this bank has special secret account numbers that are not the account numbers on your check. That's what I needed to login online. I'm fairly good at computers, design my own website, code some HTML and run an online business so it's not that I'm bad at technology. Other banks in the area have employees eager to help you. This one has rude employees who consider even long-term customers an inconvenience.

Lisa Bryant

Lisa Bryant

4 months ago

I am writing this review because my husband and I strongly feel that the service we have received from Jawan Mack has been outstanding! We find Jawan to be not only extremely knowledgeable but also kind, courteous, and friendly. For our banking service - we call and request Jawan to to work specifically with him. We have been working with him for years and look forward to continue!

Leslie McLaughlin

Leslie McLaughlin

8 months ago

I was having difficulty linking my bank with Carolina Trust so I could make my car payments. The first branch was closer to my home, but I didn’t get my problem resolved and found the employee to be rude. I decided to go to another location and was very pleased with the service and level of professionalism I received from Tammy! I wanted to set it up for auto pay and she took care of that too. Thank you Tammy!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).