Family Trust Credit Union Rock Hill SC | Low Mortgage Rates & Auto Loans

Introduction

At Family Trust, we believe in the power of community and the strength of connection. Located at 225 White St W, Rock Hill, SC 29730, our credit union has been a trusted partner for financial growth since 1957. With a commitment to serving our 56,206 members, we offer personalized banking solutions designed to meet your unique needs. As of today, Family Trust proudly manages over $740 million in total assets, with total deposits reaching $99,699,250. Our robust lending portfolio includes more than 31,269 loans and leases, empowering our members to achieve their dreams be it purchasing a new vehicle or financing a home. Under the leadership of our CEO, Ryan Harvey, and Board President, Chris Ruh, we strive to create a welcoming environment where your financial wellness is our top priority. While members can visit us at our branch location, official correspondence should be sent to PO Drawer 10233, Rock Hill, SC 29731. If you have questions or need assistance, feel free to call us at (803) 367-4100. At Family Trust, we're not just about numbers; we're about making a difference in the lives of our members and the community. Join us on this journey towards financial stability and success visit our website at familytrust.org to learn more about how we can help you achieve your goals!

Branch History & Mission

Join Us

We invite you to experience the benefits of becoming a member of Family Trust. With convenient operating hours Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM we're here when you need us most. Our friendly staff is ready to assist you with any inquiries or services you may need. Don't miss out on being part of a community-focused credit union where your needs come first! Visit us online at Family Trust or call us at (803) 367-4100 today!

Our Mission

At Family Trust, our mission is clear: we strive to empower individuals and families through sound financial guidance and community-focused initiatives. We believe that by supporting each member's journey toward financial well-being, we contribute positively to the larger community. This mission is not just about numbers; it's about people our members who trust us with their financial futures. In addition to providing essential banking services, we actively engage in community outreach programs that promote education and financial literacy. Whether it's hosting workshops or partnering with local organizations for charitable events, we aim to make a meaningful impact in Rock Hill. While you can visit us at 225 White St W Rock Hill Sc 29730, official correspondence should be sent to PO Drawer 10233, Rock Hill, SC 29731 if needed.

Our Story

Family Trust began with a simple mission: to provide accessible financial services to the people of Rock Hill. Since our inception at 225 White St W, we have grown tremendously, now serving over 56,000 members with total assets reaching an impressive $740,151,649. Our commitment to personal banking has allowed us to expand our services over the years, including auto loans, mortgage options, credit cards, and business banking solutions. Each milestone reflects our dedication to meeting the evolving needs of our community. As we grew, so did our offerings. We adopted digital advancements like online banking and mobile payments to ensure that our members can manage their finances on-the-go. Today, we are proud to provide an array of modern conveniences while remaining compliant with ADA standards, ensuring that everyone can access our services without barriers.

Branch Location & Accessibility

Call to Action

Ready to experience the Family Trust difference? We encourage you to come see us at our Rock Hill branch or give us a call at 803-367-4100 if you have any questions. We're excited to help you achieve your financial goals!

Nearby Landmarks and Accessibility

Situated in a vibrant part of York County, our branch is just a stone's throw away from popular local spots like the Rock Hill Sports and Event Center. This makes it easy to stop by while enjoying a day out or running errands. Our location also provides ample parking and features that comply with ADA standards, ensuring everyone has easy access to our services.

Operating Hours and Services

We invite you to visit us during our lobby hours! From Monday through Thursday, we're open from 9:00 AM to 5:00 PM, and on Fridays we extend our hours until 6:00 PM. Our friendly staff is ready to assist you with a variety of services including checking and savings accounts, auto loans, credit cards with rewards, and more. For those who prefer banking on-the-go, we also offer an ATM on-site for your convenience. However, please note that we currently do not have drive-thru banking available.

Member Eligibility

Joining the Family Trust community is like stepping into a welcoming family where your financial well-being matters. To become a member of Family Trust, you'll find that eligibility is straightforward and designed to include as many people as possible. If you live, work, worship, or attend school in York County or have a family member who does, you're already on the path to joining us! You can check the full details of our eligibility requirements at this link for any updates or specific queries. Once you're ready to join, opening an account is a breeze! Just visit us at our branch located at 225 White St W, Rock Hill, SC 29730, or give us a call at 803-367-4100 for any questions you might have. We're excited to help you take this important step towards a brighter financial future with Family Trust!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine a world where payment processing is smooth and efficient. At Family Trust, our merchant services simplify transactions so you can focus on what matters growing your business. From mobile payments to online invoicing, we equip you with the tools to accept payments easily and securely. Located at 225 White St W Rock Hill Sc 29730 in Rock Hill, SC, we're here to partner with you on your business journey. Reach out today at (803) 367-4100 to learn more about how our services can help you thrive!

Tailored Lending Solutions

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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or need financing for a used vehicle, our Auto Loans & Vehicle Financing services make it easy to hit the road. We offer competitive rates that can fit within your budget, helping you drive away in the vehicle you've always wanted without breaking the bank.

Business Banking

For entrepreneurs, our Business Banking services, including merchant services and business loans, are designed to help you succeed. We know running a business is challenging, so we're here to provide financial solutions that support growth and sustainability.

Credit Cards with Rewards

Our Credit Cards with Rewards give you more than just a card; they offer benefits that fit your lifestyle. Earn rewards on purchases you already make every day like groceries and gas turning spending into savings.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why at Family Trust, we offer robust Online & Mobile Banking features including ATM access for cash withdrawals and balance checks right at your fingertips. Our secure digital platforms allow you to manage all aspects of your accounts easily and efficiently. We invite you to explore these services and see how we can help meet your financial needs. If you have any questions or want to learn more about becoming a member, feel free to reach out by calling us at (803) 367-4100 or visiting us online at Family Trust Center. Your journey towards smarter banking starts here!

Mortgage Loans & Refinancing

Dreaming of owning your own home? Our Mortgage Loans & Refinancing options provide various pathways to homeownership. Whether you're buying your first home or refinancing an existing mortgage for better rates, we guide you through each step, ensuring you're informed and confident in your decisions.

Personal Banking

For those just starting out or looking to manage their finances better, our Personal Banking options include checking and savings accounts tailored for different lifestyles. Imagine easily accessing your funds through our user-friendly online and mobile banking platforms. You can check balances, transfer money, or pay bills from the comfort of your home or while on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. We understand how overwhelming debt can be, which is why we offer flexible loan options to help consolidate bills into one manageable payment, giving you peace of mind.

Digital & Online Banking

Convenience at Your Fingertips

Need to split a bill with friends? Our person-to-person transfers make sending money easy and quick no need for cash or checks! And if you're someone who loves the convenience of mobile payments, we've got you covered there too. Simply link your bank account to make purchases directly from your smartphone. Whether you're checking your account balance or making payments on-the-go, our user-friendly features ensure that managing your finances is straightforward and efficient. Join us at Family Trust today and experience the ease of digital banking designed with you in mind!

Key Features

Our online banking service gives you 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Imagine being able to handle all your banking needs without the hassle of waiting in line! Plus, with our mobile application available for download, your bank is always just a tap away. When it comes to security, we prioritize protecting your information. Our platform supports electronic signature authorization, which means you can sign documents securely without needing to visit a branch. You can also receive e-statements, keeping your financial records organized while reducing paper clutter.

Financial Strength

Diverse Lending Capacity

Our lending capacity is substantial, with $7,770 in used auto loans and $562,027,744 in total loans and leases available for our members. This means we're ready to help you finance your next vehicle or meet other borrowing needs.

Growing Member Base

Total Share and Deposit Accounts: 119,635, show a strong and growing member base that trusts us with their finances. This growth is a testament to the reliability and quality of services we provide at Family Trust. 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 225 White St W Rock Hill Sc 29730 or call (803) 367-4100 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.*

Member-Centric Savings Options

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. We prioritize our members over traditional banking practices. 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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 126 full-time employees and 3 part-time employees dedicated to serving you with expertise.

Reinvesting for Your Benefit

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. This commitment allows us to support your financial goals effectively.

Strong Financial Position

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 $1,121 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 provide flexible financing options that make it easier for you to drive away with the vehicle you want.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $47,157,117, make buying or refinancing simple. We also offer refinancing options to help you secure better terms on your existing mortgage.

Other Loan Products

In addition to our popular auto and mortgage loans, we also provide credit lines totaling $87,557068, giving you access to funds when you need them most. For business owners out there, our outstanding commercial loans totaling $5,567,091 provide the capital needed to grow and expand your business. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in learning more about our loan offerings or checking eligibility options for any of these products, please visit our website at Family Trust or call us directly at 803-367-4100. We're here to help you navigate your financial journey!

Unsecured Credit Card Loans

Managing everyday expenses can sometimes 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. Our credit cards come with rewards and no hidden fees, making them an excellent choice for responsible spending.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 ensures that the offers presented are not only fair but also transparent. By relying on verified financial institutions, LendMesh guarantees that users receive accurate information when comparing loan options.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions. This commitment to transparency helps users trust the information they receive. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions. This means that users see a true representation of available offers without bias. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates gathered from multiple institutions, allowing for timely and informed decision-making. 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!" 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