Credit union · NCUA insured
Family Trust Federal Credit Union
Top CarrotA $804.3M credit union headquartered in Rock Hill, SC, with 59,524 members and 8 branches in South Carolina. Best rates: CDs 5.00% and savings 0.75% APY.
Family Trust Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#9 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Family Trust Federal Credit Union
Founded in 1957 as Rock Hill Printing and Finishing Federal Credit Union to assist textile workers, Family Trust Federal Credit Union is a member-owned credit union based in Rock Hill, South Carolina.
The credit union adopted its current name in 1988 under an expanded charter and opened its first Greenville branch in 2024.
- Headquarters
- 225 White St W, Rock Hill, SC 29730-4039
- NCUA charter
- 11554
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in 13 South Carolina counties (Abbeville, Anderson, Cherokee, Chester, Greenville, Greenwood, Lancaster, Laurens, Oconee, Pickens, Spartanburg, Union, or York) or 4 North Carolina counties (Cleveland, Gaston, Lincoln, or Mecklenburg).
Employers and groups
- Eligibility is open to employees of participating local companies.
Family and household
- Eligibility is open to individuals who have an immediate family member or someone in their household who is already a member of Family Trust Federal Credit Union.
Branches
8 branches in South Carolina
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South Carolina
8 branches
Charlotte area · 7
- Family Trust CenterMain office225 White St W, Rock Hill, SC 29730Directions
- Clover1219 Highway 55 E, Clover, SC 29710Directions
- Fort Mill430 Mercantile Place, Fort Mill, SC 29715Directions
- Business Boulevard Centre1615 Progress Way, Rock Hill, SC 29730Directions
- Celanese2700 Celanese Rd, Rock Hill, SC 29732Directions
- South Pointe1490 Albright Rd, Rock Hill, SC 29730Directions
- East York1690 Old York Rd, York, SC 29745Directions
Greenville area · 1
- Laurens Road1800 Laurens Rd, Greenville, SC 29607Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.85% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.73% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.06% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $95 | $76 | — |
- CapitalNet worth ratio11.85%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.73%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.06%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$95Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Family Trust Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.