Credit union · NCUA insured
Family Trust Federal Credit Union Savings Rates
Top CarrotFamily Trust Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Family Trust Federal Credit Union’s savings 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
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $100
PayBack Savings Account
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
Family Trust Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
PayBack Savings Account
1.00%APY
To earn the PayBack Savings dividend rate, meet at least four of six qualifications each month (personal checking account, digital banking login, direct deposits, eligible loan, mortgage, or credit card usage). If qualifications are not met, earns Prime Share rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
| $20,000 and up | 2.25% | — |
| $100,000 and up | 2.50% | — |
| $250,000 and up | 3.25% | — |
| $500,000 and up | 3.75% | — |
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/personal-banki…ngs/payback-savings.html
All captured Oct 22, 2026
Money Market Account
0.75%APY
The Annual Percentage Yield (APY) is variable and may change after the account is opened. Dividend period, compounding and crediting are monthly. $5 statement by mail fee applies to accounts without e-statements (waived with Loyalty Checking, or if under age 18 or over age 60).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.75% | $75 |
| $20,000 and up | 2.00% | — |
| $100,000 and up | 2.25% | — |
| $250,000 and up | 3.00% | — |
| $500,000 and up | 3.50% | — |
Prime Share Savings Account
0.05%APY
$5 statement by mail fee applies to accounts without e-statements (waived with Loyalty Checking, or if under age 18 or over age 60).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/_/kcms-doc/196…6-Account-Rate-Sheet.pdf
All captured Oct 22, 2026
Special-purpose accounts
IRA PayBack Savings Account (Traditional)
1.00%APY
Traditional IRA. Must meet Payback Savings qualifications each month; otherwise reverts to Prime Share rate. No opening, maintenance, or annual fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
| $20,000 and up | 2.25% | — |
| $100,000 and up | 2.50% | — |
| $250,000 and up | 3.25% | — |
| $500,000 and up | 3.75% | — |
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/personal-banki…ement-accounts-iras.html
All captured Oct 22, 2026
IRA Money Market Account (Traditional, Roth)
0.75%APY
The Annual Percentage Yield (APY) is variable and may change after the account is opened. Dividend period, compounding and crediting are monthly. Traditional and Roth wrappers available. $5 statement by mail fee applies to accounts without e-statements (waived with Loyalty Checking, or if under age 18 or over age 60).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.75% | $75 |
| $20,000 and up | 2.00% | — |
| $100,000 and up | 2.25% | — |
| $250,000 and up | 3.00% | — |
| $500,000 and up | 3.50% | — |
Christmas Club Savings Account
0.05%APY
$5 statement by mail fee applies to accounts without e-statements (waived with Loyalty Checking, or if under age 18 or over age 60).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/_/kcms-doc/196…6-Account-Rate-Sheet.pdf
All captured Oct 22, 2026
Education Savings Account
0.05%APY
Coverdell Education Savings Account (ESA). $5 statement by mail fee applies to accounts without e-statements (waived with Loyalty Checking, or if under age 18 or over age 60). Must meet Membership and eligibility requirements to open account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/_/kcms-doc/196…6-Account-Rate-Sheet.pdf
All captured Oct 22, 2026
Explorer's Club Savings Account
0.05%APY
Savings account for kids up to 12 years old. $1 per "A" per grading period up to $6 per report card ($24/year max). Online access requires joint owner consent.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
IRA Savings Account (Traditional, Roth, SEP)
0.05%APY
Traditional, Roth, and SEP options available. $5 statement by mail fee applies to accounts without e-statements (waived with Loyalty Checking, or if under age 18 or over age 60). Must meet Membership and eligibility requirements to open account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/personal-banki…ement-accounts-iras.html
All captured Oct 22, 2026
Special Club Savings Account
0.05%APY
$5 statement by mail fee applies to accounts without e-statements (waived with Loyalty Checking, or if under age 18 or over age 60).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/_/kcms-doc/196…6-Account-Rate-Sheet.pdf
All captured Oct 22, 2026
Health Savings Account (HSA)
0.05%APY on $10,000
Available to members with an eligible high-deductible health plan (HDHP).
| Part of the balance | Rate on that part |
|---|---|
| $1,000 and up | 0.05% |
| $20,000 and up | 0.05% |
| $100,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.05% APY, earning $5 a year.
Sources (2)
- familytrust.org/personal-banki…al-loans/auto-loans.html
- familytrust.org/_/kcms-doc/196…6-Account-Rate-Sheet.pdf
All captured Oct 22, 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.