HT Smart Finance

“People Helping People” is the credit union philosophy. Our HT Smart Finance program not only helps local businesses, but also helps local people with their financial needs. Through your business, we provide your costumers with an easy and convenient application, processing and funding experience so that they can take advantage of your products and services as soon as possible. Our secure, web-based platform is designed for point-of-sale financing.

Benefits to the Merchant 

  • No cost to participate in this program
  • Guaranteed funding for products and services
  • Quick loan decision for customers
  • Increase sales with on-the-spot financing
  • Participating merchants will be listed on

To get started or for more information, contact our Centralized Lending Department at (843) 832-2761.


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.


Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.