Family Trust Credit Union Clover SC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Family Trust, your trusted financial partner right here in Clover, SC! Located at 1219 Highway 55 E, we have been serving our community since 1957 with a commitment to providing exceptional banking services tailored to your needs. With over 56,000 members and total assets of $740,151,649, we pride ourselves on creating a welcoming environment where you can feel secure about your financial future. At Family Trust, we understand that every member's journey is unique. That's why our dedicated team of 129 employees, led by our CEO Ryan Harvey and Board President Chris Ruh, is here to guide you through a range of financial products and services. From personal banking options like checking and savings accounts to auto loans and business financing, we strive to meet all your financial needs. With total loans exceeding 31,269 and deposits reaching an impressive $99,699,250, our focus remains on helping you thrive. While members can visit us at our Clover branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Drawer 10233, Rock Hill, SC 29731. We invite you to explore everything Family Trust has to offer by visiting our website at familytrust.org or giving us a call at 803-222-7900. Experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

At Family Trust, we are proud to share our rich history and unwavering mission that has guided us since our inception. Established in 1957, our Clover branch has been a cornerstone of the community, providing financial services and support to countless members. Located at 1219 Highway 55 E, Clover, SC 29710, we are easily accessible for those looking to build a brighter financial future. From the very beginning, our mission has centered on empowering individuals and families through personalized banking solutions. With over 56,000 members and total assets amounting to an impressive $740,151,649, Family Trust stands as a testament to the strength and dedication of our community. We understand that every member's needs are unique; that's why we offer a range of services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment goes beyond just financial transactions. We actively engage in community outreach initiatives that help foster growth and development within Clover and its surrounding areas. By partnering with local organizations and participating in various events, we strive to make a positive impact on the lives of our members. In today's fast-paced world, we also prioritize accessibility and convenience. Our branch features essential services such as drive-thru banking and ATM availability. Whether you prefer to visit us in person during our lobby hours Monday to Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM or utilize our online banking options from the comfort of your home, we ensure that your banking experience is smooth and straightforward. While members can visit us at our Clover address for all their banking needs, official correspondence should be directed to PO Drawer 10233, Rock Hill, SC 29731. As we look towards the future, Family Trust remains dedicated to enhancing the financial well-being of our members while staying true to our core values of trustworthiness and community focus. We invite you to join us on this journey become a member today and experience firsthand the supportive services that Family Trust offers. Together, let's build a brighter tomorrow! For more information or to start your membership application process, please call us at 803-222-7900 or visit our website.

Branch Location & Accessibility

Connect With Us

Ready to experience banking made simple? Visit us today at 1219 Highway 55 E in Clover or give us a call at 803-222-7900. Our friendly team is eager to assist you with all your banking questions or concerns. We look forward to welcoming you into the Family Trust community!

Nearby Landmarks and Accessibility

You'll find us near popular local spots that make it easy to incorporate a visit into your day. We are just a short drive from the Clover Community Center and close to several schools and parks, making us a convenient stop for families on the go. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking spaces to accommodate all visitors.

Operating Hours

We understand that your time is valuable! That's why our lobby is open Monday through Thursday from 9:00 AM to 5:00 PM, and on Fridays until 6:00 PM. If you're in need of quick transactions, our drive-thru service operates during the same hours for added convenience.

Services Offered

At Family Trust, we pride ourselves on offering a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Enjoy easy access with our ATM available right at the branch. Plus, our drive-thru allows for quick deposits and withdrawals without leaving your car.

Member Eligibility

At Family Trust, we believe that becoming a member is more than just opening an account; it's about joining a supportive community where your financial well-being matters. If you're interested in becoming part of our family, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in the Clover area. This means that whether you're a long-time resident or new to the community, you have a place here with us. Additionally, family members of existing members can also join, making it easy to share the benefits of our services with loved ones. The advantages of membership at Family Trust are plentiful! From competitive loan rates to personalized service, we're here to help you achieve your financial goals. Opening an account is straightforward and welcoming; you can start the process by visiting us at our branch located at 1219 Highway 55 E Clover Sc 29710, or you can call us at (803) 222-7900 for any questions. For detailed eligibility criteria and to stay updated, feel free to check out our website: https://www.familytrust.org/join-today/become-a-member.html. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $7 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $32 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,567,091, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to make transactions smoother for your business. Imagine having a reliable partner that helps you accept payments easily whether it's through card swipes, mobile payments, or online transactions. These services help you focus on what matters most: growing your business. Whether you're just starting out or looking to expand, Family Trust is here to provide the financial tools you need for success. Stop by our branch at 1219 Highway 55 E Clover Sc 29710 or call us at (803) 222-7900 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking

If you're an entrepreneur or small business owner, our business banking services, including merchant services and business loans, are designed to support your growth. From managing cash flow to investing in new equipment, we're here to empower your business journey.

Credit Options

To help you build your credit or earn rewards on everyday purchases, we provide credit cards with rewards. This allows you to earn while you spend, turning your regular shopping into rewards that you can use later.

Digital Banking Convenience

At Family Trust, convenience is key. With our robust online and mobile banking platforms, you can access your accounts anytime and anywhere. Need to check your balance? Transfer funds? Or pay bills? Just log in from your phone or computer! We also offer features like ATM access for cash withdrawals and basic drive-thru banking for deposits and simple transactions.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing services can help make homeownership a reality. We guide you through the entire process, making it straightforward and stress-free. Plus, if you're already a homeowner looking to lower your monthly payments or tap into your home's equity, we provide refinancing options that can save you money.

Join Us Today!

Ready to take control of your finances? Visit us at 1219 Highway 55 E Clover Sc 29710, call us at (803) 222-7900, or explore more about our services online at Clover. Your journey towards better financial health starts here with us at Family Trust!

Personal Banking

We offer various personal banking options that include checking and savings accounts tailored for every lifestyle. If you're saving for a big purchase or just want to keep your money accessible, our accounts provide the features you need. For those looking to finance their next vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank.

Personal Loans

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. Whether it's for medical bills, home repairs, or consolidating high-interest debts into one manageable payment, we've got flexible terms that work for you.

Digital & Online Banking

Always Here for You

With 24/7 online banking services, you can manage your accounts whenever it suits you best. No more waiting in line or rushing before closing hours; everything you need is just a click away. Experience the ease and security of modern banking at Family Trust today!

Enjoy E-Statements and More

Say goodbye to paper clutter! With our e-statements available, you can receive important account documents electronically. This not only helps the environment but also allows for quick access to your statements whenever you need them. Want to split a bill with a friend? Our person-to-person transfer feature makes sending money as easy as sending a text. And if you're into mobile payments, you'll love how easily you can make purchases using just your phone.

Key Features

With our online banking platform, accessible at https://www.familytrust.org/, you can take control of your accounts anytime, anywhere. Check your balances, transfer money, and pay bills with just a few taps on your device. Plus, our mobile application brings all these features right to your fingertips, making it simple to keep track of your finances on the move. Security is crucial when it comes to banking online. At Family Trust, we utilize electronic signature authorization to ensure that your transactions are protected. You can rest easy knowing that your financial information is safe and secure.

Financial Strength

At Family Trust, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing you with the reliable services you need to achieve your financial goals. With a net worth of $83,246,388, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.21% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $182,913,684 in share certificates and $40,496,162 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $80,688,148 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $7770 in used auto loans and a total of $562,027,744 in loans and leases. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 126 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share and Deposit Accounts stand at an impressive 119,635, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Family Trust is your trusted partner. Visit us at 1219 Highway 55 E Clover SC 29710 or call us at 803-222-7900 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $144,150,151 in used vehicle loans and $107,560,510 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates on both new and used vehicles to ensure you find the right fit for your budget.

Credit Lines and Other Loan Options

For those looking for additional flexibility in managing their finances, our total credit lines amount to $87,557,068, allowing you to tap into funds as needed without the hassle of traditional loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $47,157,117, which can help you secure your dream home with ease.

Refinancing Opportunities

If you're considering refinancing your existing loans or credit lines for better rates or terms, our team is here to guide you through the process. We strive to provide personalized service tailored to your specific needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Family Trust in Clover, SC, we're dedicated to offering our members a variety of loan products that cater to their unique financial situations while ensuring transparency and support every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging; that's why we also offer flexible terms on unsecured credit card loans. With a total of $44,305,714 in loans helping members manage their finances effectively, you'll have peace of mind knowing you have access to funds when you need them.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh helps users navigate their borrowing options with confidence. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to using verified sources guarantees that users receive fair and transparent offers tailored to their financial needs. One of the key benefits of using LendMesh is its emphasis on Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh operates without Sponsored Listings; it does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve the user's best interests. The platform also provides Real-Time Rate Comparisons, offering up-to-date loan rates from multiple institutions, which aids users in making informed decisions. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback reflects the effectiveness of LendMesh in helping individuals find suitable loan options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Family Trust