Credit union · NCUA insured
Family Trust Federal Credit Union CD Rates
Top CarrotFamily Trust Federal Credit Union’s best CD rate is 5.00% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Family Trust Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Family Trust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family Trust Federal Credit Union
4.00%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $816
Certificates
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Family Trust Federal Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Family Trust Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.00%APY · 8 terms
Range of terms available from 3 to 60 months. No opening or maintenance fees. Dividend period, compounding and crediting are quarterly. Rates are variable/determined weekly and dividend rate is fixed for the term after opening. A penalty may be imposed for early withdrawals, excluding earned dividends.
| Term | APY · $500 and up | APY · $20,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.05% | 0.05% | 0.05% | 0.05%0.05% from $20k0.05% from $100k | $1 |
| 6 months | 0.10% | 0.10% | 0.10% | 0.10%0.10% from $20k0.10% from $100k | $5 |
| 9 months | 3.25% | 3.25% | 3.25% | 3.25%3.25% from $20k3.25% from $100k | $243 |
| 12 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% from $20k3.75% from $100k | $375 |
| 24 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% from $20k4.00% from $100k | $816 |
| 36 monthsBump Your Rate Certificate: Once, during the term of the certificate, the dividend rate may be upgraded to match the same product 36 month certificate dividend rate offered at the time of the bump request, which will be fixed for the remainder of the term. To qualify for this certificate, you must have a personal checking account with direct deposit | 4.00% | 4.25% | 5.00% | 4.00%4.25% from $20k5.00% from $100k | $1,249 |
| 48 months | 3.75% | 4.20% | 4.40% | 3.75%4.20% from $20k4.40% from $100k | $1,587 |
| 60 months | 3.75% | 4.20% | 4.40% | 3.75%4.20% from $20k4.40% from $100k | $2,021 |
Special-purpose accounts
Traditional IRA Certificates
Up to 4.00%APY · 6 terms
Roth and SEP options are also available for the 12 Month term. No opening, maintenance, or annual fees. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived with Loyalty Checking, or if you are under age 18 or over age 60. Dividend period, compounding and crediting are quarterly. Dividend rate is fixed for the term after opening. A penalty may be imposed for early withdrawals, excluding earned dividends.
| Term | APY · $500 and up | APY · $20,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 0.10% | 0.10% | 0.10% | 0.10%0.10% from $20k0.10% from $100k | $5 |
| 12 monthsRoth and SEP also available | 3.75% | 3.75% | 3.75% | 3.75%3.75% from $20k3.75% from $100k | $375 |
| 24 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% from $20k4.00% from $100k | $816 |
| 36 monthsBump Your Rate Certificate: Once, during the term of the certificate, the dividend rate may be upgraded to match the same product 36 month certificate dividend rate offered at the time of the bump request, which will be fixed for the remainder of the term. To qualify for this certificate, you must have a personal checking account with direct deposit | 4.00% | 4.25% | 5.00% | 4.00%4.25% from $20k5.00% from $100k | $1,249 |
| 48 months | 3.75% | 4.20% | 4.40% | 3.75%4.20% from $20k4.40% from $100k | $1,587 |
| 60 months | 3.75% | 4.20% | 4.40% | 3.75%4.20% from $20k4.40% from $100k | $2,021 |
Explorer's Club Certificate - 12 Month
3.75%APY · 1 term
Contributions can be made any time during the term of the certificate. Dividend period, compounding and crediting are quarterly. Dividend rate is fixed for the term after opening. A penalty may be imposed for early withdrawals, excluding earned dividends.
| Term | APY · $100 and up | APY · $20,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% from $20k3.75% from $100k | $375 |
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/_/kcms-doc/196…6-Account-Rate-Sheet.pdf
All captured Oct 4, 2026
Who can join Family Trust Federal Credit Union
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.
Membership information collected October 4, 2026.