--- title: "Family Trust Credit Union Rates (Nov 2026): Mortgage 7.10%" description: "Family Trust Credit Union rates today: 30 year fixed mortgage 7.10% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Family Trust Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-carolina/family-trust" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Family Trust Credit Union Rates (Nov 2026): Mortgage 7.10% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.100% APR | 6.625% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.500% APR | 5.750% | — | Standard | Family Trust Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 5.240% | new | Standard | | **Used Auto Loan** auto_used | — APR | 5.740% | used | Standard | | **New and used** auto_any | — APR | 8.540% | any | Standard | Family Trust Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.750% | — | Context only | Family Trust Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Share-Secured Loan** personal_secured_60mo | — APR | 3.000% | 60 mo | Standard | | **Share Certificate Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 11.590% | 60 mo | Standard | Family Trust Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 24 offers | Product | Published | Rate | Term / condition | Status | | **Prime Share Savings Account 1** share_savings | — APY | 0.05% | — | Standard | | **3-Month Certificate** cd_3mo | — APY | 0.05% | 3 mo | Standard | | **IRA Savings Account (Traditional, Roth, SEP)** ira | — APY | 0.05% | — | Standard | | **Explorer's Club Savings Account** savings | — APY | 0.05% | — | Specialty offer | | **Traditional IRA Certificates (6 Month)** ira_cd_6mo | — APY | 0.10% | 6 mo | Context only | | **6-Month Certificate** cd_6mo | — APY | 0.10% | 6 mo | Standard | | **IRA Money Market Account (Traditional, Roth)** ira | — APY | 0.75% | — | Standard | | **PayBack Savings Account** savings | — APY | 1.00% | — | Standard | | **IRA PayBack Savings Account (Traditional)1** ira | — APY | 1.00% | — | Standard | | **IRA Money Market Account** ira | — APY | 2.00% | — | Standard | | **IRA PayBack Savings Account1** ira | — APY | 2.25% | — | Standard | | **9-Month Certificate** cd_9mo | — APY | 3.25% | 9 mo | Standard | | **Certificates (36 Month1)** cd | — APY | 3.50% | — | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.75% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.75% | 60 mo | Standard | | **Traditional IRA Certificates (48 Month)** ira_cd_48mo | — APY | 3.75% | 48 mo | Context only | | **Traditional IRA Certificates (60 Month)** ira_cd_60mo | — APY | 3.75% | 60 mo | Context only | | **Traditional IRA Certificates (36 Month1)** ira_cd | — APY | 4.00% | — | Context only | | **24-Month Certificate** cd_24mo | — APY | 4.00% | 24 mo | Standard | | **Business Checking 1** checking | — APY | 4.00% | — | Eligibility restricted | | **Traditional IRA Certificates (24 Month)** ira_cd_24mo | — APY | 4.00% | 24 mo | Context only | | **Loyalty Checking 1** checking | — APY | 4.25% | — | Standard | | **Explorer s Club Certificate - 12 Month** cd_12mo | — APY | 4.50% | 12 mo | Context only | | **Traditional IRA Certificates (12 Month (Roth and SEP also available))** ira_cd_12mo | — APY | 4.50% | 12 mo | Context only | Family Trust Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Family Trust Credit Union offers a 30-year fixed mortgage at 7.1% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-carolina/family-trust) , verified from [Family Trust Credit Union's official website](https://www.familytrust.org/) Best product position **Better than the South Carolina median** 30-year fixed mortgage Gap to state best **56 bp** 56 bp from state best Vs. state median **10 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked South Carolina markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.10% | Better than the South Carolina median | 56 bp from state best | 10 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Family Trust Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=family-trust&state=south-carolina&code=SC&name=Family%20Trust%20Credit%20Union) Loading branch locator… ## About Family Trust Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 59.5K Assets $804.3M Founded 1957 Locations reported 8 NCUA charter 11554 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Skyla** Riverwalk Branch · Rock Hill · SC · 29730 Branch in the same ZIP](https://rateapi.dev/credit-unions/north-carolina/skyla) [**Founders** Tech Park · Rock Hill · SC · 29730-7318 About 3.7 miles away](https://rateapi.dev/credit-unions/south-carolina/founders) [**Sharonview** Corporate · Indian Land · SC · 29707 About 11.6 miles away](https://rateapi.dev/credit-unions/south-carolina/sharonview) [**State Employees'** CHARLOTTE - ARDREY KELL · CHARLOTTE · NC · 28277 About 14.4 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Truliant** Steele Creek · Charlotte · NC · 28273-4374 About 15.0 miles away](https://rateapi.dev/credit-unions/north-carolina/truliant) [**Lion's Share** Vital Records Site · Charlotte · NC · 28273 About 15.4 miles away](https://rateapi.dev/credit-unions/north-carolina/lions-share) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Family Trust Credit Union Membership eligibility from Family Trust Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Family Trust Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Family Trust Credit Union's membership page](https://www.familytrust.org/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for Family Trust Credit Union Family 1 published path to membership, last verified August 22, 2026, quoted from Family Trust Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member immediate family member, household member “If an immediate family member or someone in your household if already a member of Family Trust Federal Credit Union.” > [source ↗](https://www.familytrust.org/become-a-member.html) - Family member (immediate family member, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Family Trust Credit Union? Yes No ## Work at Family Trust Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Family Trust Credit Union ranks against South Carolina peers. - See which AI assistants fetched Family Trust Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in South Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=family-trust&state=south-carolina&code=SC&name=Family%20Trust%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Family Trust Credit Union offer? Family Trust Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Family Trust Credit Union rates updated? RateAPI verifies Family Trust Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Family Trust Credit Union's rate data? Rate data is collected directly from Family Trust Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Family Trust Credit Union's mortgage rate? As of November 12, 2026, Family Trust Credit Union offers a 30-year fixed mortgage at 7.1% APR. ### Who can join Family Trust Credit Union? Family Trust Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for Family Trust Credit Union, each quoted from Family Trust Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Family Trust Credit Union's rates against national credit-union benchmarks. [More South Carolina credit unions](https://rateapi.dev/credit-unions/south-carolina) [South Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/south-carolina) [South Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/south-carolina) [South Carolina HELOC rate leaders](https://rateapi.dev/heloc-rates/south-carolina) [South Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/south-carolina) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.familytrust.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Family Trust Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when South Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Family Trust Credit Union curl "https://api.rateapi.dev/credit-unions/south-carolina /family-trust " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Family Trust Credit Union locations Search, filter, and browse all 8 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/south-carolina/family-trust Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp