Family Trust Federal Credit Union


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

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

Reviews (4)

Great Credit Union

Posted by: |

Been with Family Trust for over 10 years.
Always received excellent service.

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
B+

Health Grade Components

Overall
NCUA #11554
Year Chartered1957
Employees133
Primary Regulator
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD15.14%
Annual Interest Income$15.4MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$683.3MM$693.3MM
LoansQ2 2023vs Q2 2022$529.4MM$449.4MM
DepositsQ2 2023vs Q2 2022$586.2MM$607.8MM
Equity CapitalQ2 2023vs Q2 2022$68.3MM$63.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$850.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.9MM$1.9MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
Report an Issue

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
2.50%*$100k*-PayBack Savings - Qualifying
OTHER TIERS: 0.25% Up to $20k | 2.00% $20k - $100k
2.50%*$100k*-IRA PayBack Savings Account
OTHER TIERS: 0.25% Up to $20k | 2.00% $20k - $100k
0.05%$5-Prime Share Savings
0.05%--Christmas Club
0.05%$5-IRA Share
0.05%--Special Club Savings
0.05%$5-Explorer’s Club Savings
0.05%$100-Education Savings
0.05%$1k-Health Savings Account

Family Trust Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$1k*$20kMoney Market Account
OTHER TIERS: 0.15% $100k+ | 1.75% $20k - $100k
2.25%*$100k*-IRA Money Market Account
OTHER TIERS: 0.15% $1k - $20k | 1.75% $20k - $100k

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
5.00%$500-12 Month Share Certificate
5.00%$500-24 Month Share Certificate
5.00%$500-9 Month Share Certificate
5.00%$100-12 Month Explorer Club Certificate
4.25%*$100k*-36 Month Bump Your Rate Share Certificate
OTHER TIERS: 4.00% $500 - $100k
3.75%*$100k*-48 Month Share Certificate
OTHER TIERS: 3.50% $500 - $100k
3.75%*$100k*-60 Month Share Certificate
OTHER TIERS: 3.50% $500 - $100k
0.10%$500-6 Month Share Certificate
0.05%$500-3 Month Share Certificate

Family Trust Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-12 Month IRA Certificate
5.00%$500-24 Month IRA Certificate
4.25%*$100k*-36 Month Bump Your Rate IRA Certificate
OTHER TIERS: 4.00% $500 - $100k
3.75%*$100k*-48 Month IRA Certificate
OTHER TIERS: 3.50% $500 - $100k
3.75%*$100k*-60 Month IRA Certificate
OTHER TIERS: 3.50% $500 - $100k
0.10%$500-6 Month IRA Certificate
Locations


Family Trust Federal Credit Union Locations
Corporate Office225 White St WRock Hill, SC 29730-4039
Branch Office2700 Celanese RdRock Hill, SC 29732-9406
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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.