COVID-19 (Coronavirus) Branch Updates Effective as of 03/01/2022
Our branch locations are currently open and operating during normal business hours. If you plan to stop by a branch, protective masks are recommended, and member appointments are highly encouraged since lobby capacity may be limited to ensure social distancing. You may click the button below to schedule an appointment at your preferred branch.
When entering a branch lobby for service, 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. Our top priority is ensuring employees' and members' safety while delivering the best service possible. Any updates will be communicated on ourwebsiteand via social media.
The 2022 Annual Meeting for Carolina Trust Federal Credit Union members will be held Thursday, April 28th at 3:00pm at Horry Georgetown Technical College (Conway Campus) Burroughs and Chapin Auditorium.
Due to limited seating, we request that you RSVP using the link below. We hope you'll join us to learn more about the state of your Credit Union.
Michelle Barney was recently promoted to the position of Teller Supervisor at our 21st Avenue branch.
Barney has been with CTFCU since June 2021. With her extensive customer service background and strong work ethic, Barney has grown exponentially in her role.
We appreciate the hard work that Barney has given to her role and know that she will take her knowledge that she's gained and apply it to her new position.
WBTW Living Local Carolina
On the February Financial Friday Community Panel Brand Ambassador August was joined by special guests Dr. Preston L McKever-Floyd, CEO of McKever-Floyd Charitable Fund; Alfreda Funnye, Neighborhood Services Coordinator for the City of Myrtle Beach; and Travis Overton, Vice President for Executive Initiatives/ Chief of Staff at Coastal Carolina University.
In honor of Random Acts of Kindness Day, Brand Ambassador August delivered flowers to the residents of Autumn Care of Shallotte in Shallotte, NC and Anderson Oaks Assisted Living in Conway, SC.
Employee Appreciation Day
To show our gratitude on Employee Appreciation Day, each branch enjoyed a fiesta lunch of tacos and all the fixings. We are so blessed to have such amazing employees at Carolina Trust. We truly would not be the award winning credit union that we are today without such loyal and hard working employees.
Upcoming Paving Projects
In the near future, we will be repaving our 21st Ave., Johnsonville and Lake City Branch parking lots. Paving dates and time have not been confirmed, so be sure to check our website and social media pages for updates, as the branch parking lots and on-site ATM's will be unavailable on paving days.
CO-OP ATM Networks
If a Carolina Trust ATM is not nearby, don't worry! We belong to the CO-OP ATM network, which provides members with surcharge-free* access to almost 30,000 ATMs nationwide. To find the CO-OP ATM nearest you,click here.
*The ATM owner does not charge a fee, but a small Carolina Trust foreign ATM fee will apply.
Upcoming CCU Baseball Contest
Be on the lookout for an upcoming Coastal Carolina University Baseball Contest. The contest will run on our Facebook page from March 25th - March 30th. Winners will receive tickets to the Georgia State game on Saturday, April 9th and a special CCU prize pack. Go Chants!
First-Time Auto Buyer Loan
When you are ready to get pre-approved for a car loan, it is crucial that you work with an experienced lender to ensure you have professional and trusted advice you can count on. Here, at Carolina Trust, we are by your side looking out for your best interest when purchasing a vehicle. Our First-Time Auto Buyer Loan is designed for those who have little to no credit and are ready to embark on the purchase of their first automobile. This loan comes with a low rate, manageable terms and is an excellent way to establish a credit history.*
*Loan approval and approved Annual Percentage Rate subject to credit worthiness within loan program parameters. **Cash down payment of 5% of the purchase price excluding any rebates or trade in allowance. ***If payment protection products are added, maximum loan payment is 66 months.
IRA Contributions and Considerations
Can I still make a 2021 IRA contribution?
Yes. IRA owners have until their tax-filing deadline, April 18, 2022, to make a 2021 IRA contribution. The IRS requires that IRA owners make an irrevocable written election when they make these prior-year contributions. A prior-year contribution is any contribution made between January 1 and April 18 for the preceding year.
Can my spouse make an IRA contribution if they aren’t working right now?
Yes. If a working spouse receives enough eligible compensation to cover the IRA contribution for a nonworking spouse, the nonworking spouse can make a contribution to their IRA, provided they file a joint federal tax return. For example, a nonworking spouse whose marital partner earns $6,000 in annual eligible compensation can make a contribution of up to $6,000 (current annual limit) to their own IRA, assuming they file jointly. Or the $6,000 contribution can be split between the working and nonworking spouses’ IRAs as they choose (e.g., $3,000 to each). If the working spouse has at least $12,000 in annual eligible compensation and owns an IRA, then each spouse can make the maximum annual contribution to each of their IRAs (i.e., $6,000 to each). If one or both individuals is age 50 or older, their contribution limit is $7,000.
Hurricane Preparedness
Hurricane Season will be here before you know it, and we want to make sure that you’re prepared. Now is the time to ensure that you have everything that you will need in the event of an emergency. Don’t wait until it's too late.
Credit Union Youth Month is Coming Soon! Stop By Any Carolina Trust Branch During the Month of April to Participate.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Carolina Trust Federal Credit Union, PO Box 780004, Myrtle Beach, South Carolina 29578, USA, 8434482133
