Carolina Trust Federal Credit Union

Mailing Address: PO Box 780004, Myrtle Beach, SC 29578-7804
Phone: (843) 448-2133 / Hours & Locations / Contact Us
Lost or Stolen Cards: Debit: 1-888-918-7810 and Credit: 1-800-654-7728

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New and Used Vehicle Loan Rates

Type	Features and/or Approximate Term*	Annual Percentage Rate (APR)
New / Used Vehicle Secured	Up to 100% financing for 36 months or less (up to 5 model years old)	as low as 4.25% APR**
New / Used Vehicle Secured	Up to 100% financing for 48 to 60 months (up to 5 model years old)	as low as 5.25% APR**
Used Vehicle Secured	Up to 100% financing ($17,000 or more) for 72 months (up to 4 model years old)	as low as 5.75% APR**
Used Vehicle Secured	Up to 36 months for 5 model years old or older	as low as 6.25% APR**
Green Auto Loan Discount - Receive an additional rate discount of 0.50% APR on qualifying Green Auto Loans. Qualifying vehicles will have the EPA's SmartWay^® designation at the time of loan approval. The rate discount will be applied to the approved loan rate financed at the Credit Union. Loans financed at the dealer and existing Credit Union auto loans are not eligible for discount. Contact Carolina Trust for more details.

These rates were last updated on 07/22/10.
*The approximate term used to calculate payments for the Credit Union's loan products. Loan approval and approved Annual Percentage Rate (APR) are based on credit worthiness. **Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details. Financing Example: An auto loan of $20,000 at 5.25% Annual Percentage Rate (APR) for a term of 60 months would result in a monthly payment of approximately $380.00.

Other Vehicles (recreation vehicles such as motorcycles, jet skis, boats, and RVs)

Type	Features and/or Approximate Term*	Annual Percentage Rate (APR)
Other Vehicle Maximum Age 5 Model Years	Up to 100% financing 60 Months or less	as low as 8.25% APR**
Other Vehicle Maximum Age 5 Model Years	Up to 100% financing 61 to 96 Months and $20,000 or more	as low as 9.00% APR**
Other Vehicle Maximum Age 5 Model Years	Up to 100% financing 97 to 180 Months and $25,000 or more	as low as 9.25% APR**

These rates were last updated on 07/22/10. Call for loan rate information on farm equipment.
*The approximate term used to calculate payments for the Credit Union's loan products. Loan approval and approved Annual Percentage Rate (APR) are based on credit worthiness. **Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details. Financing Example: A boat loan of $20,000 at 8.25% Annual Percentage Rate (APR) for a term of 60 months would result in a monthly payment of approximately $409.00.

Credit Card Rates

Type	Features	Annual Percentage Rate (APR)
VISA^® Platinum Credit Card	No Annual or Balance Transfer Fees	as low as 9.90% ¹ APR
VISA^® Classic Credit Card	No Annual or Balance Transfer Fees	as low as 13.90% APR
Secured VISA^® Classic Card	No Annual Fee	as low as 14.90% APR

Loan approval and approved Annual Percentage Rate (APR) are based on credit worthiness.¹ Must be a borrower with a minimum annual income of $25,000.

Personal Loans and Lines of Credit

Type	Features and/or Approximate Term*	Annual Percentage Rate (APR)
Personal Loan	$2000 or less for 36 Months	as low as 13.00% APR**
	$2000-$3500 for 36 Months	as low as 11.00% APR**
	$3500-$10,000 for 48 Months	as low as 9.00% APR**
	$10,000 or more for 60 Months	as low as 7.00% APR**
Personal Line of Credit		as low as 12.00% APR**

These rates were last updated on 07/22/10.
*The approximate term used to calculate payments for the Credit Union's loan products. Loan approval and approved Annual Percentage Rate (APR) are based on credit worthiness. **Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details. Financing Example: A personal loan of $10,000 at 11.00% Annual Percentage Rate (APR) for a term of 36 months would result in a monthly payment of approximately $328.00.

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Please Note: When you access an external third-party site via a "live link" on the Carolina Trust website, the Credit Union in no way assumes any responsibility or liability for the information contained therein nor does the Credit Union warrant the products and services offered to the viewer. Additionally, privacy and security policies of alternate sites may differ from those practiced by Carolina Trust.

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