Member Rewards Carolina Trust Member Rewards Finally, a rewards program that gives you the option to redeem points for savings and discounts you can actually use! Carolina Trust members are automatically rewarded monthly for the savings, checking and loan products they maintain with Carolina Trust and annually for their length of membership with the Credit Union. 1 Member Reward Point for every $1 in interest paid on a Carolina Trust loan (applied monthly; does not include interest paid on VISA® credit card balances or mortgage loans) 1 Point for every $1 in dividends earned on a Carolina Trust savings, checking, money market, and certificate or IRA account (applied monthly) 100 Points for each year of Carolina Trust membership (applied annually following the member’s anniversary date) Earn Points Members may earn additional points for opening and using qualifying Carolina Trust products and services, such as free online banking, direct deposit checking, eStatements, and more! Click here to see a full list of all the ways that you can start earning points! Spend Points Members may redeem their Carolina Trust Member Reward Points to discount the rate on their next auto loan, increase the rate earned on a new fixed-rate certificate, take $250 off first mortgage loan closing costs, and much more! Click here to see a full list. Please contact the Credit Union at 843.448.2133, ext. 3 to speak with a member service representative to find out how many reward points you have earned. You’ll be surprised at how quickly your points add up when you use your Credit Union for savings, checking, competitive rates, and innovative services. If you have not yet experienced the Credit Union difference, we hope you’ll join and see why we’re a better way of banking! Please Note: Fees charged to a member’s account will not be refunded if more than 60 days old. Members must accrue an initial 1,000 points before point redemption may occur. Certain redemption options allow for only one discount at a time. The Credit Union reserves the right to alter, add, or delete the products and services rewarded and the savings, discounts, and refunds available for point redemption. Point values are subject to change without notice. Business Accounts do not earn Member Reward points and are not eligible to participate in the point redemption program.