Rates

*Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. Loan type subject to property and borrower qualifications. Estimated fees only and subject to change. Advertised rates are subject to change without notice. Private Mortgage Insurance (PMI) is required for transactions over 80% loan-to-value (LTV).
This example is based on a purchase transaction of a single family primary residence with estimated closing costs of $4,000 and a credit score of 740 or above. Payment example: On a $200,000 purchase price with 10% down payment, amount financed would be $180,000 for a 30 year term and an interest rate of 6.250% would result in a monthly principal and interest payment of $1,108.29 at 6.459% APR.

*Loan approval and Annual Percentage Rate subject to credit worthiness. Loan type subject to property and borrower qualifications. Certain restrictions apply. The 15-Year Home Equity Line of Credit variable rate is based on the highest prime rate published in the “Money Rates Table” of the Wall Street Journal on the 20th of each month. Prime Rate is variable; as it changes, the APR on a home equity line of credit account also changes. Maximum rate for a home equity line of credit is 15.50% APR. The floor rate for a home equity line of credit is 4.49%.

*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. Advertised APR includes a 0.25% rate reduction for automatic draft and a 0.25% rate reduction contingent on a loan-to-value less than 80%. Approved auto loan rate will not be lower than 6.00% APR, including applicable discount(s). Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details. Financing Example: An auto loan of $15,000 at 6.00% APR for a term of 48 months would result in a monthly payment of approximately $352.78. Payment estimations do not include GAP or service agreement products.

*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to 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 $25,000 at 8.69% APR for a term of 96 months would result in a monthly payment of approximately $362.25. Payment estimations do not include GAP service agreement products.

*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness.
¹Advertised 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 10.75% APR for a term of 60 months would result in a monthly payment of approximately $216.18.
²Loan rate will not be less than 4.00% Annual Percentage Rate.
³Loan rate will not be less than 4.00% Annual Percentage Rate. The 3-month Regular Fixed Rate certificate and IRA Fixed Rate Certificates are not eligible for this loan.

*Approved Annual Percentage Rate and credit limit subject to credit worthiness. Promotional rates may apply from time to time based on qualifications. Balance Transfer Fee is 3% or $10 whichever is greater; Cash Advance Fee is 3% or $10 whichever is greater. Purchases, Balance Transfers and Cash Advances are charged at the same rate. If balance is not paid in full monthly, then minimum payment due is 2% of outstanding balance or $25 whichever is greater. **Business credit card terms and/or fees are different than consumer credit cards.

• VISA Credit Card Agreement
• VISA Secured Application and Solicitation Disclosure
• VISA Business Platinum Application and Solicitation Disclosure
• VISA LimeEssentials and CCU Affinity Program Application and Solicitation Disclosure
  
• VISA LimeRewards and CCU Affinity Program Application and Solicitation Disclosure
• VISA LimeRewards+ and CCU Affinity Program Application and Solicitation Disclosure

*Rates are subject to change monthly without prior notice. There is a $10 fee for making a Christmas Club withdrawal after the seventh day from account opening.  Primary Share accounts and Goal Club youth savings accounts are subject to an excessive withdrawal fee of $2 if more than four withdrawals are made during a calendar month. **Withdrawals will reduce earnings. Consult your tax advisor regarding IRA, HSA, and ESA contributions.

*Rates are subject to change monthly without prior notice. **For Direct Checking, dividends are paid on minimum monthly balance of $250. For 50 Plus Checking, an increase of 0.025% to the standard rate is earned if combined savings and checking balance does not fall below $2,500. If combined balance falls below $2,500, then the Direct Checking rate is earned on a monthly checking balance of $250 or greater. ***Consult your tax advisor regarding HSA accounts.

*Rates are subject to change monthly without prior notice.
If account balance falls below $2,500 within a month, then a fee will be assessed and no dividends will be awarded that month.  If more than 3 withdrawals are made from the account during a month, then a fee will be assessed for each withdrawal over three.

*Rates are subject to change weekly without prior notice.
Certificates subject to penalty for early withdrawal.  Withdrawals will reduce earnings.

*Variable Rates are subject to change on the last Thursday of the month without prior notice.
Variable Rate Certificates subject to penalty for early withdrawal.  Withdrawals will reduce earnings.

*Rates are subject to change weekly without prior notice.
IRA Certificates subject to penalty for early withdrawal.  Withdrawals will reduce earnings.