What are the current interest rates at Family Trust Federal Credit Union?

Current rates for Family Trust Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 4.00%, 60-Month CD: 3.75%, Savings: 5.00%, MMA: 3.50%

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Family Trust Federal Credit Union

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Family Trust Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Family Trust Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Family Trust Federal Credit Union's top rates as of October 9, 2026 are 5.00% APY on its 36 Month CDs CD, 5.00% APY on savings, 3.50% APY on money market accounts, 4.25% APY on checking, 5.50% on its 15-Year Fixed Rate Mortgage, and personal loans from 11.24% APR, according to rates verified by MonitorBankRates. Other Family Trust Federal Credit Union CD rates include 36 Month IRA CDs at 5.00%, 36 Month Traditional IRA CD at 5.00%, and 48 Month CDs at 4.40%. Other Family Trust Federal Credit Union mortgage rates include 30-Year Fixed Rate Mortgage at 6.38%. MonitorBankRates evaluates the financial stability of Family Trust Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.53%. Rates last updated and verified on 10/09/2026.

Family Trust Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Family Trust Federal Credit Union? Share your experience about Family Trust Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Family Trust Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.53%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Family Trust Federal Credit Union
Family Trust Center

225 White St W
Rock Hill, SC 29730-4039

https://www.familytrust.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Family Trust Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Certificates	4.91%	5.00%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40% Oct 5, 20265.00%▲ from 4.40% Sep 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month IRA Certificates	4.91%	5.00%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40% Oct 9, 20265.00%▲ from 4.40% Sep 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month Traditional IRA Certificate	4.91%	5.00%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40% Oct 5, 20265.00%▲ from 4.40% Sep 18, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month Certificates	4.33%	4.40%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month IRA Certificates	4.33%	4.40%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month Traditional IRA Certificate	4.33%	4.40%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month Certificates	4.33%	4.40%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month IRA Certificates	4.33%	4.40%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month Traditional IRA Certificate	4.33%	4.40%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month Certificates	4.18%	4.25%	36 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% Oct 5, 20264.25%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month IRA Certificates	4.18%	4.25%	36 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% Oct 5, 20264.25%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month Traditional IRA Certificate	4.18%	4.25%	36 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% Oct 5, 20264.25%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month Certificates	4.13%	4.20%	48 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month IRA Certificates	4.13%	4.20%	48 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month Traditional IRA Certificate	4.13%	4.20%	48 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month Certificates	4.13%	4.20%	60 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month IRA Certificates	4.13%	4.20%	60 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month Traditional IRA Certificate	4.13%	4.20%	60 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month Certificates	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month Certificates	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month Certificates	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month IRA Certificates	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month IRA Certificates	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month IRA Certificates	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month Traditional IRA Certificate	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month Traditional IRA Certificate	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
24 Month Traditional IRA Certificate	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month Certificates	3.94%	4.00%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.20% → 4.00% ▼ 0.20 pts · high 4.20% / low 3.75% Oct 5, 20264.00%▲ from 3.75% Sep 21, 20263.75%▼ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month IRA Certificates	3.94%	4.00%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 9, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
36 Month Traditional IRA Certificate	3.94%	4.00%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 5, 20264.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month Certificates	3.70%	3.75%	12 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month Certificates	3.70%	3.75%	12 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month Certificates	3.70%	3.75%	12 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month IRA Certificates	3.70%	3.75%	12 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month IRA Certificates	3.70%	3.75%	12 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month IRA Certificates	3.70%	3.75%	12 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month Traditional IRA Certificate (Roth and SEP also available)	3.70%	3.75%	12 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
12 Month Traditional IRA Certificate (Roth and SEP also available)	3.70%	3.75%	12 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month Certificates	3.70%	3.75%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month IRA Certificates	3.70%	3.75%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
48 Month Traditional IRA Certificate	3.70%	3.75%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month Certificates	3.70%	3.75%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month IRA Certificates	3.70%	3.75%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
60 Month Traditional IRA Certificate	3.70%	3.75%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Explorer's Club Certificate - 12 Month	3.70%	3.75%	12 Month
Min Deposit $100 Min Balance $100 Details Balance: $100 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Explorer's Club Certificate - 12 Month	3.70%	3.75%	12 Month
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Explorer's Club Certificate - 12 Month	3.70%	3.75%	12 Month
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
9 Month Certificates	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
9 Month Certificates	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
9 Month Certificates	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
9 Month IRA Certificates	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
9 Month IRA Certificates	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
9 Month IRA Certificates	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month Certificates	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month Certificates	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month Certificates	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month IRA Certificates	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month IRA Certificates	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month IRA Certificates	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month Traditional IRA Certificate	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month Traditional IRA Certificate	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
6 Month Traditional IRA Certificate	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
3 Month Certificates	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
3 Month Certificates	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
3 Month Certificates	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
3 Month IRA Certificates	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
3 Month IRA Certificates	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
3 Month IRA Certificates	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Savings Rates

Product	Rate	APY
PayBack Savings Account	-	5.00%
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; APY is effective as of 10/01/2026, is variable and may change after the account is opened. The dividend period, dividend compounding and crediting are monthly. Rates, terms and conditions are subject to change without notice. If Payback Savings qualifications are not met each month, the rate earned will revert to the Prime Share rate paid during that month. Must meet four out of six qualifications each month: (1) Have a personal checking account in good standing (excluding Business Checking and HSA Checking accounts) and use a Debit Card or Credit Card a minimum of 10 times as a credit (signature-based) transaction that posts during each month. (2) Log in to online or mobile banking at least once each month. (3) Have ACH direct deposits that total at least $100 each month. (4) Have an active auto, personal, home equity, or home equity lines of credit loan with at least one transaction (payment, purchase, cash advance or balance transfer) that posts during each month. (5) Have a first mortgage originated with Family Trust, whether serviced or sold, with at least one payment that posts during each month. (6) Have a Family Trust Credit Card with at least one transaction (payment, purchase, cash advance, or balance transfer) that has posted in the previous two months. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 2.50% → 5.00% ▲ 2.50 pts · high 5.00% / low 2.50% Oct 9, 20265.00%▲ from 3.75% Oct 5, 20263.75%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA PayBack Savings Account	3.69%	3.75%
Min Deposit $0 Min Balance $500,000 Details IRA PayBack Savings Account1 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
PayBack Savings Account	3.69%	3.75%
Min Deposit $0 Min Balance $500,000 Details Balance: $500,000 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA PayBack Savings Account	3.20%	3.25%
Min Deposit $0 Min Balance $250,000 Details IRA PayBack Savings Account1 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
PayBack Savings Account	3.20%	3.25%
Min Deposit $0 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA PayBack Savings Account	2.47%	2.50%
Min Deposit $0 Min Balance $100,000 Details IRA PayBack Savings Account1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
PayBack Savings Account	2.47%	2.50%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA PayBack Savings Account	2.22%	2.25%
Min Deposit $0 Min Balance $20,000 Details IRA PayBack Savings Account1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
PayBack Savings Account	2.22%	2.25%
Min Deposit $0 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA PayBack Savings Account	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details IRA PayBack Savings Account1 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 1.00% ▼ 1.25 pts · high 2.25% / low 1.00% Oct 9, 20261.00%▼ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
PayBack Savings Account	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Christmas Club Savings Account	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Education Savings Account	0.05%	0.05%
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Explorer's Club Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Health Savings Account (HSA)	0.05%	0.05%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Health Savings Account (HSA)	0.05%	0.05%
Min Deposit $0 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Health Savings Account (HSA)	0.05%	0.05%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA Savings Account (Traditional, Roth, SEP)	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Prime Share Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Special Club Savings Account	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Money Market Rates

Product	Rate	APY
IRA Money Market Account	3.45%	3.50%
Min Deposit $0 Min Balance $500,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Money Market Account	3.45%	3.50%
Min Deposit $0 Min Balance $500,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA Money Market Account	2.96%	3.00%
Min Deposit $0 Min Balance $250,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Money Market Account	2.96%	3.00%
Min Deposit $0 Min Balance $250,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA Money Market Account	2.22%	2.25%
Min Deposit $0 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Money Market Account	2.22%	2.25%
Min Deposit $0 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA Money Market Account	1.98%	2.00%
Min Deposit $0 Min Balance $20,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Money Market Account	1.98%	2.00%
Min Deposit $0 Min Balance $20,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA Money Market Account (Traditional, Roth)	0.75%	0.75%
Min Deposit $0 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Money Market Account	0.75%	0.75%
Min Deposit $0 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Checking Rates

Product	Rate	APY
Loyalty Checking	4.17%	4.25%
Min Deposit $0 Min Balance $0 Details Balance: $20,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Loyalty Checking	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	3.93%	4.00%
Min Deposit $0 Min Balance $0 Details Balance: $20,000; Rate: 0.10% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Business Checking	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Rate Mortgage	5.50%	-	5.677%	15 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.43% → 5.68% ▲ 0.25 pts · high 5.68% / low 5.43% Oct 9, 20265.68%▲ from 5.43% Sep 14, 20265.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
30-Year Fixed Rate Mortgage	6.375%	-	6.552%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.55% / low 6.30% Oct 9, 20266.55%▲ from 6.30% Sep 14, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.75%
Details Published APR range: 7.75% - 11.25%. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.74% → 7.75% ▲ 3.01 pts · high 7.75% / low 4.74% Oct 2, 20267.75%▲ from 6.75% Sep 28, 20266.75%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Business Vehicle Loan	-	-	3.99%
Details Published APR range: 3.99% - 16.29%. Discounted APR Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
New Auto Loan	-	-	4.24%
Details Published APR range: 4.24% - 16.79%. Discounted APR: 3.99% - 16.29% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
New Business Vehicle Loan	-	-	4.24%
Details Published APR range: 4.24% - 16.79%. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Oct 9, 20264.24%▲ from 3.99% Oct 5, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Used Business Vehicle Loan	-	-	4.34%
Details Published APR range: 4.34% - 17.29%. Discounted APR Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Used Auto Loan	-	-	4.59%
Details Published APR range: 4.59% - 17.79%. Discounted APR: 4.34% - 17.29% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.59% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Used Business Vehicle Loan	-	-	4.59%
Details Published APR range: 4.59% - 17.79%. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 4.34% → 4.59% ▲ 0.25 pts · high 4.59% / low 4.34% Oct 9, 20264.59%▲ from 4.34% Oct 5, 20264.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Motorcycle, Boat & RV Loans - New and used	-	7.54%
Details Published APR range: 7.54% - 18.00%. Discounted Loyalty Rate APR: 7.29% - 17.75% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.24%	60 months
Details Published APR range: 11.24% - 18.00%. Discounted Loyalty Checking APR: 10.99% - 17.75% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Platinum Rewards Loan	-	-	14.45%
Details Published APR range: 14.45% - 17.90%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.45% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Business Traditional Loan	-	-	12.45%
Details Published APR range: 12.45% - 17.90%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.45% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Platinum Rewards Loan	-	-	14.45%
Details Published APR range: 14.45% - 17.90%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.45% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional Loan	-	-	12.45%
Details Published APR range: 12.45% - 17.90%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.45% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate	3.94%	-	4.00%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 9, 20264.00%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate	4.18%	-	4.25%	36 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% Oct 9, 20264.25%▲ from 4.20% Sep 21, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate	4.91%	-	5.00%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40% Oct 9, 20265.00%▲ from 4.40% Sep 21, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Family Trust Federal Credit Union’s Texas Ratio rose from 2.57% in Q3 2023 to 4.53% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$805M	4.53%	5.0	A+
March 31, 2026	$804M	3.53%	5.0	A+
December 31, 2025	$775M	4.95%	5.0	A+
September 30, 2025	$766M	3.82%	5.0	A+
June 30, 2025	$762M	3.33%	5.0	A+
March 31, 2025	$762M	2.71%	5.0	A+
December 31, 2024	$744M	4.68%	5.0	A+
September 30, 2024	$740M	3.47%	5.0	A+
June 30, 2024	$745M	3.54%	5.0	A+
March 31, 2024	$733M	2.27%	5.0	A+
December 31, 2023	$698M	3.67%	5.0	A+
September 30, 2023	$685M	2.57%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Family Trust Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Family Trust Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Family Trust Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Family Trust Federal Credit Union

Website https://www.familytrust.org

Address 225 White St W, Rock Hill, SC 29730-4039

Phone 803-367-4100

Fax

President Chris Ruh

CEO Ryan Harvey

Full-Time Employees 137

Part-Time Employees 7

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.53%

Return on Assets (ROA)

0.5176%

Return on Equity (ROE)

4.3694%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

805,423,124

Total Amount of Shares and Deposits

675,463,603

Total Shares and Deposits < 1 Year

580,570,965

Total Shares and Deposits 1 3 Years

94,130,751

Total Shares and Deposits > 3 Years

761,888

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

56,672,211

Total Uninsured Shares and Deposits > $250K (F+J)

56,672,211

Total Insured Shares and Deposits > $250K (item 17 less item K)

618,791,392

Total Interest Expense (Sum of items 6 8)

7,045,847

Share Certificates

6,051

Number of Accounts for Share Drafts

45,388

IRA KEOGH Accounts

1,650

Number of Accounts for Regular Shares

62,434

All other shares

9,229

Money Market Shares

2,618

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

72,148,452

Total Liabilities

710,020,486

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Family Trust Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Family Trust Federal Credit Union

Frequently Asked Questions About Family Trust Federal Credit Union

How many branches does Family Trust Federal Credit Union operate?

Family Trust Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Family Trust Federal Credit Union?

Yes, to access services at Family Trust Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Family Trust Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Family Trust Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Family Trust Federal Credit Union offer online and mobile banking?

Most modern institutions like Family Trust Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.familytrust.org.

Current Family Trust Federal Credit Union Rates

12-Month CD3.75%
24-Month CD4.00%
60-Month CD3.75%
Savings5.00%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Family Trust Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Family Trust Federal Credit Union Texas Ratio

Family Trust Federal Credit Union Health Trend

Family Trust Federal Credit Union CD Rates

Family Trust Federal Credit Union Savings Rates

Family Trust Federal Credit Union Money Market Rates

Family Trust Federal Credit Union Checking Rates

Family Trust Federal Credit Union Business Checking Rates

Family Trust Federal Credit Union Mortgage Rates

Family Trust Federal Credit Union Home Equity & HELOC

Family Trust Federal Credit Union Auto Loan Rates

Family Trust Federal Credit Union RV, Boat and Powersport Loan Rates

Family Trust Federal Credit Union Personal Loan Rates

Family Trust Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Family Trust Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Family Trust Federal Credit Union

How many branches does Family Trust Federal Credit Union operate?

Is a member application needed to join Family Trust Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Family Trust Federal Credit Union offer online and mobile banking?

Current Family Trust Federal Credit Union Rates

Compare to Other Credit Unions