Family Trust Federal Credit Union


Overview / Commentary
803-367-4110
225 W White St
Rock Hill, SC 29730

Family Trust Federal Credit Union is headquartered in Rock Hill and is the 10th largest credit union in the state of South Carolina. It is also the 569th largest credit union in the nation. It was established in 1957 and as of December of 2019, it had grown to 147 employees and 46,111 members at 8 locations. Family Trust Federal Credit Union's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships, or attends school in York County.
See current membership details

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Reviews (3)

Overall An OK Bank But Serious Customer Service Issues

Posted by: |

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.

Terrible Business Practices

Posted by: |

I have had nothing but problems with the atms, website and debit cards so I quit using the account. Apparently, something that was set up on automatic withdrawal went through after I was no longer using the account and put me in the negative for about $20. I never received any notice from the credit union but did realize it on my own and money was deposited taking it out of the negative, yet they closed my account. I still received nothing telling me my account was being closed, just a refund check for the money that was in my checking account. I then went online to find out what was going on, and it said I have no access to any accounts which is when I knew they had indeed closed my account. This is absolutely ridiculous considering that is the one and only time I have EVER been in the negative and it was cleared up without them even contacting me. Terrible way to do business and treat people. I recommend taking your business elsewhere.

Horrible Customer Service

They charged me $96 for being less than $10 overdrafted.



Health

Health Grade Components

Overall
NCUA #11554
Year Chartered1957
Employees147
Primary Regulator
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD12.22%
Annual Interest Income$20.7MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$520.4MM$478.5MM
LoansQ4 2019vs Q4 2018$396.3MM$372.4MM
DepositsQ4 2019vs Q4 2018$426.0MM$387.2MM
Equity CapitalQ4 2019vs Q4 2018$53.5MM$47.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.4MM$1.9MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.4MM$1.9MM
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Family Trust Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Family Trust Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-PayBack Savings - Qualifying
OTHER TIERS: 0.20% Up to $20k | 0.40% $20k - $100k
0.75%*$100k*-IRA PayBack Savings Account
OTHER TIERS: 0.20% Up to $20k | 0.40% $20k - $100k
0.20%--IRA Share
0.15%*$75k*-Health Savings Account
OTHER TIERS: 0.10% $1k - $75k
0.10%$5-Prime Share Savings
0.10%--Christmas Club
0.10%--Special Club Savings
0.10%$5-Explorer’s Club Savings
0.10%--Education Savings

Family Trust Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$75k*-IRA Money Market Account
OTHER TIERS: 0.20% $1k - $20k | 0.40% $20k - $75k
0.60%*$75k*-Money Market Account
OTHER TIERS: 0.10% $1k - $20k | 0.30% $20k - $75k

Family Trust Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$250-Premier Choice Checking

Family Trust Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$500-48 Month Share Certificate
1.40%$500-60 Month Share Certificate
1.10%$500-36 Month Bump Your Rate Share Certificate
0.90%$500-24 Month Share Certificate
0.80%$500-12 Month Share Certificate
0.80%$100-12 Month Explorer Club Certificate Special
0.70%$500-9 Month Share Certificate
0.15%$500-6 Month Share Certificate
0.10%$500-3 Month Share Certificate

Family Trust Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-48 Month IRA Certificate
1.50%$500-60 Month IRA Certificate
1.20%$500-36 Month IRA Certificate
1.00%$500-24 Month IRA Certificate
0.90%$500-12 Month IRA Certificate
0.25%$500-6 Month IRA Certificate
Locations


Family Trust Federal 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 Office1615 Progress WayRock Hill, SC 29730
Branch Office1690 Old York RdYork, SC 29745
Branch Office1490 Albright RdRock Hill, SC 29730
Corporate Office225 W White StRock Hill, SC 29730
Branch Office471 Lakeshore PkwyRock Hill, SC 29730-4205

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