Certified by Carolina Trust Federal Credit Union • Apr 26, 2026
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Carolina Trust Federal Credit Union began in 1958. Carolina Trust membership is open to individuals who live, work, worship, volunteer, or attend school in Horry, Georgetown, Marion, Williamsburg or southern Florence County (south of Lynches River), SC or Brunswick County, NC.
Details
Drive-throughNot available
Location
Certified by Carolina Trust Federal Credit Union • Apr 26, 2026
Certified by Carolina Trust Federal Credit Union • Apr 26, 2026
Monday8:30 AM - 5:00 PM
Tuesday8:30 AM - 5:00 PM
Wednesday8:30 AM - 5:00 PM
Thursday8:30 AM - 5:00 PM
Friday8:30 AM - 6:00 PM
SaturdayClosed
SundayClosed
5/25/20268:30 AM - 5:00 PM
6/19/20268:30 AM - 6:00 PM
9/7/20268:30 AM - 5:00 PM
10/12/20268:30 AM - 5:00 PM
11/11/20268:30 AM - 5:00 PM
11/26/20268:30 AM - 5:00 PM
12/25/20268:30 AM - 6:00 PM
Reviews
4.4
98 reviews
5 stars
79
4 stars
4
3 stars
2
2 stars
3
1 star
10
VB
Vickie Bowers
5 days ago
5.0
We have been banking with Carolina Trust Federal Credit Union for about five years and have nothing but good things to say about the bank itself and the staff at the Surfside Beach branch (which is where we do most of our banking). Cindy is always ready to assist with whatever you need. Everyone is very friendly and provides you with great service!
SS
Steve Simmons
Apr 23, 2026
5.0
When we first moved here had no idea what bank to go with and sure glad we chose this one. And just by coincidence they are affiliated with our CU in Detroit. Great experience . staff is very friendly, knowledgeable and helpful . Can't say enough about Cindy she's awesome . would recommend to anyone
GR
George Rollins
Apr 23, 2026
5.0
I’ve banked at Carolina Trust for decades. I started with the bank when I lived in Johnsonville, SC, one of its first banks. I’ve banked at the Lake City, SC branch. I moved to Surfside Beach and began using the branch here.
Surfside’s branch is my favorite because of their wonderful teller, Cindy. She is fast, efficient and just makes me feel like family. Carolina Trust has always put a premium on good tellers and Cindy is by far the best teller I’ve done business with. I hope she chooses to stay there.
MJ
Michele and Jody
Apr 23, 2026
5.0
The staff and customer service at Carolina Trust FCU in Surfside is exceptional. You receive personalized service with a hometown touch. Kelly went out of her way to help me submit loan processing paperwork that would have otherwise taken me days! Cindy is the teller that typically waits on me. She is so kind and helpful, always making me feel like I am her only customer! Thank you ladies for all of your dedication and hard work.
FM
Fred Morrongiello
Apr 21, 2026
5.0
Colleen, Shannon and Cindy 3 of the most knowledgeable ,friendly and personable women it has been my pleasure to meet. Their attention and support are the reason I have remained with...and will continue to bank with CTFCU including following to your new address. They keep my needs a priority and explain all solutions simple and thoroughly every time. I'm proud to be treated as family.
Frequently Asked Questions About Carolina Trust Federal Credit Union
What are the regular business hours for Carolina Trust Federal Credit Union?
Carolina Trust Federal Credit Union is open Monday through Thursday from 8:30 AM to 5:00 PM and on Friday from 8:30 AM to 6:00 PM. It is closed on Saturdays and Sundays.
Does Carolina Trust Federal Credit Union have a drive-thru service?
No, Carolina Trust Federal Credit Union does not offer drive-thru service.
Who is eligible for membership at Carolina Trust Federal Credit Union?
Membership is open to individuals who live, work, worship, volunteer, or attend school in Horry, Georgetown, Marion, Williamsburg, southern Florence County in SC, or Brunswick County in NC.
What types of accounts and loans does Carolina Trust Federal Credit Union offer?
They offer personal and business checking & savings accounts, youth accounts, car loans, home loans, personal and secured loans, student loans, business loans, and credit cards among other financial products.
What services are available to members of Carolina Trust Federal Credit Union?
Services include online banking, mobile banking, telephone banking, ATM access, call center support, financial consulting, and credit counseling.
How can members access Carolina Trust Federal Credit Union’s mobile banking apps?
Members can download the Android app from the Google Play Store and the iOS app from the Apple App Store to use mobile banking services.
Is Carolina Trust Federal Credit Union accessible for individuals with disabilities?
Yes, the credit union provides wheelchair accessible entrances and parking lots to accommodate individuals with disabilities.
What are the call center hours for Carolina Trust Federal Credit Union?
The call center operates Monday through Friday from 8:00 AM to 5:00 PM.
What nearby stores can I visit when banking at Carolina Trust Federal Credit Union?
Nearby retail stores include BL, BI-LO, Food Lion, and Dollar General, providing convenient shopping options around your bank visit.
Are there dining options close to Carolina Trust Federal Credit Union?
Yes, close dining options include Firehouse Subs, Kobe Express (Japanese cuisine), Hungry Howie's Pizza, and Bad Ass Coffee of Hawaii for coffee and smoothies.
What nearby services can assist me with car rentals or fuel when visiting Carolina Trust Federal Credit Union?
Enterprise Rent-A-Car is nearby for vehicle rentals, and gas stations like Kangaroo Express and BP provide fueling services.
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