Family Trust Federal Credit Union is headquartered in Rock Hill and is the 11th largest credit union in the state of South Carolina. It is also the 591st largest credit union in the nation. It was established in 1957 and as of June of 2023, it had grown to 133 employees and 53,637 members at 7 locations. Family Trust Federal Credit Union's CD rates are 6X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership in Family Trust Federal Credit Union is open to individuals who live, work, worship, or attend school in the South Carolina counties of Anderson, Cherokee, Chester, Greenville, Greenwood, Lancaster,
Laurens, Oconee, Pickens, Spartanburg, Union, or York, or the North Carolina counties of Cleveland, Gaston, Lincoln, or Mecklenburg.
See current membership details
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Great Credit Union
Been with Family Trust for over 10 years.
Always received excellent service.
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.
Terrible Business Practices
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.
Data as of Q2 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 11554 |
| Year Chartered | 1957 |
| Employees | 133 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.51% |
| Return on Equity - YTD | 15.14% |
| Annual Interest Income | $15.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2023vs Q2 2022 | $683.3MM$693.3MM |
| Loans | Q2 2023vs Q2 2022 | $529.4MM$449.4MM |
| Deposits | Q2 2023vs Q2 2022 | $586.2MM$607.8MM |
| Equity Capital | Q2 2023vs Q2 2022 | $68.3MM$63.3MM |
| Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$850.00K |
| Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $1.9MM$1.9MM |
| Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |