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1605 Progress Way
Rock Hill, SC 29730

Family Trust Credit Union is headquartered in Rock Hill and is the 10st largest credit union in the state of South Carolina. It is also the 638th largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 99 employees and 45,898 members. Family Trust Credit Union's savings rates are 2X the national average, and it has a A health rating.

Field of Membership Restrictions

Credit union membership is open to anyone who lives, works, worships, or attends school in York County, South Carolina. - See Details

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Reviews (1)

Overall An OK Bank But Serious Customer Service Issues

I've been with this credit union for over 12 years and I've seen customer service steadily decline. They really just don't care anything about their members or their concerns. I wrote a letter to the president and he ignored it. They act like they are Bank of America or something instead of the small credit union they really are.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Family Trust Credit Union had $1.32 million in non-current loans and owned real-estate with $29.7 million in equity and loan loss allowances on hand to cover it. This gives Family Trust Credit Union a Texas Ratio of 4.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Family Trust Credit Union decreased slightly from 6.02% as of March 31, 2013 to 4.43% as of March 31, 2014, resulting in a positive change of 26.30%.This indicates that the balance sheet and financial strength for Family Trust Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Family Trust Credit Union has increased its total deposits by $18.92 million, resulting in 7.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Family Trust Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Family Trust Credit Union has $336.17 million in assets with $29.7 million in equity, resulting in a capitalization level of 8.83%, which is average.

Institution Statistics

NCUA #11554
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$336.17 million
Loans$242.30 million
Deposits$271.80 million
Equity Capital$28.40 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$1.24 million
Real Estate Owned$77,000
Historic Data - March 2013
Assets$306.89 million
Equity Capital$24.77 million
Loan Loss Allowance$1.48 million
Unbacked Noncurrent Loans$1.24 million
Real Estate Owned$388,000
Profit Margin - Quarterly
Return on Assets1.09%
Return on Equity12.92%
Interest Income$2.99 million

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Family Trust Credit Union Savings Account Rates

1.25%$100k-PayBack Savings - Qualifying
0.10%--Regular Savings
0.10%--PayBack Savings - Non Qualifying
0.10%--Christmas Club
0.10%--IRA Share

Family Trust Credit Union Money Market Rates

0.15%$75k-Market Shares

Family Trust Credit Union Checking Account Rates

0.05%$250-Prime Times Checking
0.05%$250-Premier Choice Checking

Family Trust Credit Union CD Rates

1.15%$500-60 Month Share Certificate
1.05%$500-48 Month Share Certificate
1.00%$500-36 Month Share Certificate
1.00%$500-36 Month Bump Your Rate Share Certificate
0.65%$100k-24 Month Share Certificate
0.45%$100k-12 Month Explorer Club Certificate Special
0.45%$100k-12 Month Elements Club Certificate Special
0.45%$100k-12 Month Prime Times Certificate Special
0.20%$500-6 Month Share Certificate
0.20%$500-9 Month Share Certificate
0.10%$500-3 Month Share Certificate

Family Trust Credit Union IRA Rates

1.15%$500-60 Month IRA Certificate
1.05%$500-48 Month IRA Certificate
1.00%$500-36 Month IRA Certificate
0.65%$100k-24 Month IRA Certificate
0.45%$100k-12 Month IRA Certificate
0.20%$500-6 Month IRA Certificate

Family Trust Credit Union Locations
Branch Office2153 Ebenezer RdRock Hill, SC 29732
Branch Office1219 Highway 55 EClover, SC 29710
Branch Office430 Mercantile PlaceFort Mill, SC 29715
Branch Office1605 Progress WayRock Hill, SC 29730
Branch Office1615 Progress WayRock Hill, SC 29730
Branch Office225 W White StRock Hill, SC 29730
Branch Office1690 Old York RdYork, SC 29745
Branch Office1490 Albright RdRock Hill, SC 29730