Carolina Trust Federal Credit Union

Headquarters: Myrtle Beach, South Carolina
Charter: Credit Union
Assets: $422.0M
Fed district: Richmond

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4.95, the middle of its prices
Carolina Trust Federal Credit Union: $3.95 to $5.95
Carolina Trust Federal Credit Union: $3.95 to $5.95
U.S. median: no median
Overdraft (OD)
Carolina Trust Federal Credit Union: $32
Carolina Trust Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Carolina Trust Federal Credit Union: $1
Carolina Trust Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Carolina Trust Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking Accounts: Rewards monthly service fee$3.95
per month
Rewards + monthly service fee$5.95
per month
Minimum Balance Fee -Money Market Account less than $500 minimum balance during a month$5
per month
Early Account Closure (Within 90 days of open date)$15
Inactive/Dormant Account (assessed monthly)$10
Not compared: Annual charge, not monthly
per year
Balance Checking Account / Account Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Process/Mail Delivery - (assessed monthly)^$2
per month
Bad Address (assessed monthly)$5
per month

Overdraft & NSF

Non-Sufficient Funds (NSF)/Courtesy Pay - overdraft by any means$32

ATM & Card

ATM Transactions at machines not owned by CTFCU$1
per item
ATM/ Debit Card Replacement$10
Overnight Card Rush Delivery$25
Not compared: Monthly charge, not per item
per month

Wire Transfers

Wires - Domestic Outgoing$20
Wires - Domestic Incoming$15
Wires - International Incoming$15

Check Services

Credit Union Official Check$5
Official Check Non-Member /Merchant Exchange$10
Bill Pay - Stop Payment and Reissue (per payment)$20
per item
Stop Payment$32
Temporary Checks$2
per item · per page of 4
Temporary Checks (per page of 4)$2
per item
Check Cashing Non- Member$5

Digital & Electronic

Bill Pay - Excessive Payments (over 15 within 30 days)$0.49
Bill Pay - Overnight Delivery (per payment)$17.50
Not compared: Per-item charge, not monthly
per item

Account Services

Tax Levy$100
Not compared: Monthly charge, not per item
per month
Subordination Request$100

Gift & Prepaid Cards

VISA® Gift Card$2.95
one time

Other Fees

Copy of Cleared Personal Check (free online banking)$2
Photocopies (per page)$1
per item
Special/Interim Statement (per statement)$3
Refinance Existing Auto Loan$100

Fee	Amount	Basis	Note
Account Maintenance
Checking Accounts: Rewards monthly service fee	$3.95	per month	None
Rewards + monthly service fee	$5.95	per month	None
Minimum Balance Fee -Money Market Account less than $500 minimum balance during a month	$5	per month	None
Early Account Closure (Within 90 days of open date)	$15	Not stated	None
Inactive/Dormant Account (assessed monthly)	$10Not compared: Annual charge, not monthly	per year	None
Balance Checking Account / Account Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Process/Mail Delivery - (assessed monthly)^	$2	per month	None
Bad Address (assessed monthly)	$5	per month	None
Overdraft & NSF
Non-Sufficient Funds (NSF)/Courtesy Pay - overdraft by any means	$32	Not stated	None
ATM & Card
ATM Transactions at machines not owned by CTFCU	$1	per item	None
ATM/ Debit Card Replacement	$10	Not stated	None
Overnight Card Rush Delivery	$25Not compared: Monthly charge, not per item	per month	None
Wire Transfers
Wires - Domestic Outgoing	$20	Not stated	None
Wires - Domestic Incoming	$15	Not stated	None
Wires - International Incoming	$15	Not stated	None
Check Services
Credit Union Official Check	$5	Not stated	None
Official Check Non-Member /Merchant Exchange	$10	Not stated	None
Bill Pay - Stop Payment and Reissue (per payment)	$20	per item	None
Stop Payment	$32	Not stated	None
Temporary Checks	$2	per item	per page of 4
Temporary Checks (per page of 4)	$2	per item	None
Check Cashing Non- Member	$5	Not stated	None
Digital & Electronic
Bill Pay - Excessive Payments (over 15 within 30 days)	$0.49	Not stated	None
Bill Pay - Overnight Delivery (per payment)	$17.50Not compared: Per-item charge, not monthly	per item	None
Account Services
Tax Levy	$100Not compared: Monthly charge, not per item	per month	None
Subordination Request	$100	Not stated	None
Gift & Prepaid Cards
VISA® Gift Card	$2.95	one time	None
Other Fees
Copy of Cleared Personal Check (free online banking)	$2	Not stated	None
Photocopies (per page)	$1	per item	None
Special/Interim Statement (per statement)	$3	Not stated	None
Refinance Existing Auto Loan	$100	Not stated	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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