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Family Trust Federal Credit Union

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Family Trust Federal Credit Union Rates & Review November 2026

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

Current rates for Family Trust Federal Credit Union include: 12-Month CD: 4.50%, 24-Month CD: 4.00%, 60-Month CD: 3.75%, Savings: 3.75%, MMA: 3.50%

Q: What CD terms does Family Trust Federal Credit Union offer?

Family Trust Federal Credit Union CD rates are 5.00% APY for a 12 month CD, 4.00% APY for a 2 year CD, 5.00% APY for a 3 year CD, 4.40% APY for a 4 year CD and 4.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Family Trust Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Family Trust Federal Credit Union's CD - 12 Month rates are at 5.00%, CD - 36 Month rates are at 5.00%, CD - 48 Month rates are at 4.40%, CD - 60 Month rates are at 4.40%, CD - 24 Month rates are at 4.00%. Family Trust Federal Credit Union's savings rates are at 3.75%. Family Trust Federal Credit Union's money market rates are at 3.50%. Family Trust Federal Credit Union's checking rates are as high as 4.25%. Family Trust Federal Credit Union's Fixed Rate Mortgages - 15-Year Fixed Rate rates are at 5.75%, Fixed Rate Mortgages - 30-Year Fixed Rate rates are at 6.62%. Family Trust Federal Credit Union's Personal Loan Rates are as low as 11.59%. Family Trust Federal Credit Union's Credit Card Rates are at 12.45%. Family Trust Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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 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
Certificate - 12 Month	4.91%	5.00%	12 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 5.00% ▲ 1.25 pts · high 5.00% / low 3.75% Oct 29, 20265.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 36 Month	4.91%	5.00%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 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%
Explorer's Club Certificate - 12 Month	4.91%	5.00%	12 Month
Min Deposit $100 Min Balance $100,000 Details Balance: minimum $100,000 to earn APY; APY effective as of 10/26/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 5.00% ▲ 1.25 pts · high 5.00% / low 3.75% Oct 29, 20265.00%▲ 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 - 12 Month	4.91%	5.00%	12 Month
Min Deposit $500 Min Balance $100,000 Details Roth and SEP also available; Balance: $100,000 and over Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 3.75% → 5.00% ▲ 1.25 pts · high 5.00% / low 3.75% Oct 29, 20265.00%▲ from 3.75% Oct 23, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 36 Month	4.91%	5.00%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 12 Month	4.67%	4.75%	12 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75% Oct 29, 20264.75%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Explorer's Club Certificate - 12 Month	4.67%	4.75%	12 Month
Min Deposit $100 Min Balance $20,000 Details Balance: minimum $20,000 to earn APY; APY effective as of 10/26/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75% Oct 29, 20264.75%▲ 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 - 12 Month	4.67%	4.75%	12 Month
Min Deposit $500 Min Balance $20,000 Details Roth and SEP also available; Balance: $20,000 - $99,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75% Oct 29, 20264.75%▲ from 3.75% Oct 23, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 12 Month	4.43%	4.50%	12 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 and over Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75% Oct 29, 20264.50%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Explorer's Club Certificate - 12 Month	4.43%	4.50%	12 Month
Min Deposit $100 Min Balance $100 Details Balance: minimum $100 to earn APY; APY effective as of 10/26/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75% Oct 29, 20264.50%▲ 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 - 12 Month	4.43%	4.50%	12 Month
Min Deposit $500 Min Balance $500 Details Roth and SEP also available; Balance: $500 - $19,999.99 Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75% Oct 29, 20264.50%▲ from 3.75% Oct 23, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 48 Month	4.33%	4.40%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 60 Month	4.33%	4.40%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 48 Month	4.33%	4.40%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 60 Month	4.33%	4.40%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 36 Month	4.18%	4.25%	36 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/29/2026 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%
Traditional IRA Certificate - 36 Month	4.18%	4.25%	36 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 48 Month	4.13%	4.20%	48 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 60 Month	4.13%	4.20%	60 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 48 Month	4.13%	4.20%	48 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 60 Month	4.13%	4.20%	60 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 24 Month	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 24 Month	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 24 Month	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 36 Month	3.94%	4.00%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 and over Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.00% ▼ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.00%▼ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 24 Month	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 24 Month	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 24 Month	3.94%	4.00%	24 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 36 Month	3.94%	4.00%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 48 Month	3.70%	3.75%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 60 Month	3.70%	3.75%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 48 Month	3.70%	3.75%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 60 Month	3.70%	3.75%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 9 Month	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 9 Month	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 9 Month	3.21%	3.25%	9 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 6 Month	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 and over; Dividend Rate shown as 0.10% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 6 Month	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 and over; Dividend Rate shown as 0.10% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 6 Month	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over; Dividend Rate shown as 0.10% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 6 Month	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 6 Month	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Traditional IRA Certificate - 6 Month	0.10%	0.10%	6 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 3 Month	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 and over; Dividend Rate shown as 0.05% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 3 Month	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 and over; Dividend Rate shown as 0.05% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Certificate - 3 Month	0.05%	0.05%	3 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over; Dividend Rate shown as 0.05% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Savings Rates

Product	Rate	APY
IRA PayBack Savings Account	3.69%	3.75%
Min Deposit $0 Min Balance $500,000 Details Min. balance to earn APY: $500,000; rate earned only if PayBack Savings qualifications are met each month Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 6 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 Qualifications Required; Min. Balance to Earn APY: $500,000; If qualifications are not met, the rate reverts to the Prime Share rate Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 6 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 Min. balance to earn APY: $250,000; rate earned only if PayBack Savings qualifications are met each month Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 6 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 Qualifications Required; Min. Balance to Earn APY: $250,000; If qualifications are not met, the rate reverts to the Prime Share rate Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA PayBack Savings Account	2.96%	3.00%
Min Deposit $0 Min Balance $100,000 Details Min. balance to earn APY: $100,000; rate earned only if PayBack Savings qualifications are met each month Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50% Oct 29, 20263.00%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
PayBack Savings Account	2.96%	3.00%
Min Deposit $0 Min Balance $100,000 Details Qualifications Required; Min. Balance to Earn APY: $100,000; If qualifications are not met, the rate reverts to the Prime Share rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50% Oct 29, 20263.00%▲ 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	2.22%	2.25%
Min Deposit $0 Min Balance $20,000 Details Min. balance to earn APY: $20,000; rate earned only if PayBack Savings qualifications are met each month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 12 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 Qualifications Required; Min. Balance to Earn APY: $20,000; If qualifications are not met, the rate reverts to the Prime Share rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA PayBack Savings Account (Traditional)	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Rate earned only if PayBack Savings qualifications are met each month; otherwise reverts to the Prime Share rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times 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 Qualifications Required; Min. Balance to Earn APY: $0; If qualifications are not met, the rate reverts to the Prime Share rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 12 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 Details Dividend compounding quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 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 Details APY effective as of 01/01/2025; dividend period, compounding and crediting are quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 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 Details Dividend compounding quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 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 Min. balance to earn APY: $1,000; HSA-compatible HDHP eligibility rules apply Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 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 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 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 Details Share par value is $5.; Dividend compounding quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 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 Details Dividend compounding quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Prime Business Savings	0.00%	0.00%
Min Deposit $0 Min Balance $0 Last Updated 10/29/2026 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 Details Min. balance to earn APY: $500,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 6 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 Details Balance: $500,000 minimum to earn APY; APY effective as of 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 6 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 Details Min. balance to earn APY: $250,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 6 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 Details Balance: $250,000 minimum to earn APY; APY effective as of 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
IRA Money Market Account	2.72%	2.75%
Min Deposit $0 Min Balance $100,000 Details Min. balance to earn APY: $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25% Oct 29, 20262.75%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Money Market Account	2.72%	2.75%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 minimum to earn APY; APY effective as of 10/26/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25% Oct 29, 20262.75%▲ from 2.25% Sep 14, 20262.25%first recorded 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 Details Min. balance to earn APY: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 12 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 Details Balance: $20,000 minimum to earn APY; APY effective as of 10/26/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 12 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 Details Min. balance to earn APY: $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 12 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 Details Balance: $1,000 minimum to earn APY; APY effective as of 10/26/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	0.00%	0.00%
Min Deposit $0 Min Balance $0 Last Updated 10/29/2026 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: $0.00 - $20,000.00; One Loyalty Checking per member permitted; APY effective as of 09/01/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 12 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 $20,000 Details Balance over $20,000; One Loyalty Checking per member permitted; APY effective as of 09/01/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Fresh Start Checking Account	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details APY effective as of 09/01/2026 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
True Choice Checking Account	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details APY effective as of 09/01/2026 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	3.93%	4.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $20,000; Qualifying balance up to $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 12 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
Fixed Rate Mortgages - 15-Year Fixed Rate	5.75%	-	6.50%	15 years
Details Payment example: $2,076.03 based on $250,000 loan (principal and interest); APR effective as of 10/26/26 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.68% → 6.50% ▲ 0.82 pts · high 6.50% / low 5.68% Oct 29, 20266.50%▲ from 5.68% Oct 13, 20265.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Fixed Rate Mortgages - 30-Year Fixed Rate	6.625%	-	7.10%	30 years
Details Payment example: $1,600.78 based on $250,000 loan (principal and interest); APR effective as of 10/26/26 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.55% → 7.10% ▲ 0.55 pts · high 7.10% / low 6.55% Oct 29, 20267.10%▲ from 6.55% Oct 13, 20266.55%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 As Low As; APR range 7.75% - 11.50%; variable APR based on Prime Rate plus margin of up to 6.25%; APR will not go below 3.25% or exceed 18.00%; minimum line of credit $10,000 Last Updated 10/29/2026 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
Business Vehicle Loans - New	-	-	4.24%
Details As Low As; APR range 4.24% - 16.79%; Discounted APR as low as 3.99% - 16.29% (Loyalty Checking required for 0.25% APR discount) Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Business Vehicle Loans - Used	-	-	4.59%
Details As Low As; APR range 4.59% - 17.79%; Discounted APR as low as 4.34% - 17.29% (Loyalty Checking required for 0.25% APR discount) Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 4.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
New Auto Loan	-	-	5.49%
Details As Low As; APR range 5.49% - 16.99% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 5.49% ▲ 1.25 pts · high 5.49% / low 4.24% Oct 29, 20265.49%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Used Auto Loan	-	-	5.99%
Details As Low As; APR range 5.99% - 17.99% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.59% → 5.99% ▲ 1.40 pts · high 5.99% / low 4.59% Oct 29, 20265.99%▲ from 4.59% Sep 14, 20264.59%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
Motorcycle, Boat & RV Loans - New and used	-	8.29%
Details Discounted Loyalty Rate; As Low As; Range: 8.29% - 17.75%; Must be 18 to apply; Acceptable collateral types may include motorcycle, watercraft, ATV, camper, RV, or farm equipment Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 7.54% → 8.29% ▲ 0.75 pts · high 8.29% / low 7.54% Oct 29, 20268.29%▲ from 7.54% Oct 5, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Motorcycle, Boat & RV Loans - New and used	-	8.54%
Details As Low As; Range: 8.54% - 18.00%; Must be 18 to apply; Acceptable collateral types may include motorcycle, watercraft, ATV, camper, RV, or farm equipment Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 7.54% → 8.54% ▲ 1.00 pts · high 8.54% / low 7.54% Oct 29, 20268.54%▲ from 7.54% Oct 5, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Family Trust Federal Credit Union Credit Card Rates

Product	Rate	APR
Family Trust Business Visa Traditional	-	12.45%
Details As Low As; APR range 12.45% - 17.90%; variable APR based on Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 12.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Family Trust Visa Traditional	-	12.45%
Details As Low As; APR range: 12.45% - 17.90% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 12.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Visa Traditional Credit Card	-	12.45%
Details As Low As; APR range 12.45% - 17.90% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 12.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Family Trust Business Visa Platinum Rewards	-	14.45%
Details As Low As; APR range 14.45% - 17.90%; variable APR based on Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 14.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Family Trust Visa Platinum Rewards	-	14.45%
Details As Low As; APR range: 14.45% - 17.90% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 14.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
Visa Platinum Rewards Credit Card	-	14.45%
Details As Low As; APR range 14.45% - 17.90% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 14.45% 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	11.59%	60 months
Details As Low As; APR range 11.59% - 18.00% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.24% → 11.59% ▲ 0.35 pts · high 11.59% / low 11.24% Oct 29, 202611.59%▲ from 11.24% Sep 14, 202611.24%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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

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 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       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

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Frequently Asked Questions About Family Trust Federal Credit Union

Does Family Trust Federal Credit Union offer CDs?

Yes. Family Trust Federal Credit Union current CD rates include its CD - 12 Month at 5.00% APY, its CD - 36 Month at 5.00% APY and its CD - 48 Month at 4.40% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Family Trust Federal Credit Union NCUA insured?

Yes. Family Trust Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Family Trust Federal Credit Union?

The highest Family Trust Federal Credit Union CD rate is its CD - 12 Month at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Family Trust Federal Credit Union offer?

Family Trust Federal Credit Union CD rates are 5.00% APY for a 12 month CD, 4.00% APY for a 2 year CD, 5.00% APY for a 3 year CD, 4.40% APY for a 4 year CD and 4.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Family Trust Federal Credit Union for its full lineup.

What is the highest savings rate at Family Trust Federal Credit Union?

The highest Family Trust Federal Credit Union savings rate is its IRA PayBack Savings Account at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Family Trust Federal Credit Union?

The highest Family Trust Federal Credit Union money market rate is its IRA Money Market Account at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Family Trust Federal Credit Union?

The highest Family Trust Federal Credit Union checking rate is its Loyalty Checking at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Family Trust Federal Credit Union?

The lowest Family Trust Federal Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgages - 30-Year Fixed Rate at 6.625%, verified by MonitorBankRates as of October 29, 2026. Family Trust Federal Credit Union mortgage rates are 6.625% for a 30 year mortgage and 5.75% for a 15 year mortgage.

What is the lowest auto loan rate at Family Trust Federal Credit Union?

The lowest Family Trust Federal Credit Union auto loan rate is its Business Vehicle Loans - New at 4.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Family Trust Federal Credit Union?

The lowest Family Trust Federal Credit Union personal loan rate is its Personal Loan at 11.59% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Family Trust Federal Credit Union?

The lowest Family Trust Federal Credit Union credit card APR is its Family Trust Business Visa Traditional Credit Card at 12.45% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Family Trust Federal Credit Union rates compare?

Family Trust Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. Family Trust Federal Credit Union's top rates are its CD - 12 Month at 5.00% APY, its IRA PayBack Savings Account at 3.75% APY, its IRA Money Market Account at 3.50% APY, its Loyalty Checking at 4.25% APY, its Fixed Rate Mortgages - 15-Year Fixed Rate at 5.75%, its Personal Loan at 11.59% APR and its Family Trust Business Visa Traditional Credit Card at 12.45% APR, verified by MonitorBankRates on October 29, 2026.

Current Family Trust Federal Credit Union Rates

12-Month CD4.50%
24-Month CD4.00%
60-Month CD3.75%
Savings3.75%
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 November 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 Business Savings Rates

Family Trust Federal Credit Union Money Market Rates

Family Trust Federal Credit Union Business 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 Credit Card Rates

Family Trust Federal Credit Union Personal Loan 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

Does Family Trust Federal Credit Union offer CDs?

Are CDs from Family Trust Federal Credit Union NCUA insured?

What is the highest CD rate at Family Trust Federal Credit Union?

What CD terms does Family Trust Federal Credit Union offer?

What is the highest savings rate at Family Trust Federal Credit Union?

What is the highest money market rate at Family Trust Federal Credit Union?

What is the highest checking rate at Family Trust Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Family Trust Federal Credit Union?

What is the lowest auto loan rate at Family Trust Federal Credit Union?

What is the lowest personal loan rate at Family Trust Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Family Trust Federal Credit Union rates compare?

Current Family Trust Federal Credit Union Rates

Compare to Other Credit Unions