When you join Family Trust, you're not just a member of the credit union, you are an owner. That means we put your interests first, even ahead of our own. It means we are here to help you achieve all of your financial goals. It also means we're  here to make the daily ins and outs of managing your money easier and more convenient, with fewer fees and restrictions. Every day, in everything we do, your interests come first.

Your Next Ride, Made Easy!

Auto loan rates as low as 4.09% APR¹ and no payments for 90 days.^{1, 2}

Great rates on new and
used auto loans .

Competitive Rates

Free Pre-Approval ¹

Pre-approval in fewer than 30 minutes during business hours.

Quick Decisions

We make getting a loan
fast and easy.

Local Processing

Local lending consultants streamline loan processing.

So Many Reasons to Finance with Us

Your advantages begin with exceptional rates along with no payments for 90 days.^{1, 2} We offer a simple and fast pre-approval³ process and a commitment to exceptional service every step of the way. We make it affordable for you because you come first.

What Our Members Are Saying

Interested In Learning More?

Complete the form below and a member of the Family Trust team will reach out to discuss what checking option works best for you!

Get what you need today.

1. APR is effective as of 01/01/2025, is the lowest available rate and is subject to change. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Any vehicle financed with Family Trust must be a 2010 model or newer. 

Payment Example: 42 monthly payments of $25.63 for each $1,000 borrowed at 4.04% APR, or 66 monthly payments of $17.05 for each $1,000 borrowed at 4.24% APR.

2. For qualified applicants with auto-pay set up, if you elect to defer your first payment for 90 days, or if you elect loan payment protection, interest and payment protection premiums will accrue on the loan balance during the months payments are skipped.

3. Pre-approval good for 30 days.

4. Loan payment protection is available and offered separately. Enrollment is optional and subject to additional terms, conditions, and fees. Coverage options, exclusions, and benefits will vary. Please contact us for details and to determine eligibility.

5. Refinancing is available for auto loans from other financial institutions. Loan approval and terms are subject to creditworthiness, income, and other underwriting factors. Savings from refinancing will vary depending on your current rate, term, and loan balance.


225 W. White St., Rock Hill, SC 29730

Mailing address: Family Trust Center, P.O. Box 10233, Rock Hill, SC 29731

Federally Insured by NCUA.

Bank Where You Belong.

At Family Trust, We Understand.

Our goal is to make sure you know we are on your side and want to help you. It's that simple. You can count on us to listen to your needs, find a solution, and help you make the best financial decisions possible. Ultimately, we want you to feel good about your choice and your finances. Because here, you come first.

• Competitive interest rates on new and used auto loans
• 90 days with no payments for qualified buyers^{1, 2}
• Fixed rates with fixed monthly payments
• Up to 125% financing available for qualified buyers¹
• Fast pre-approvals (in fewer than 30 minutes during business hours) so you'll know how much you can afford before you shop³
• Attentive, friendly service from start to finish. Our local lending consultants will make getting your loan fast and easy
• Loan payment protection option⁴
• Ability to refinance your existing auto loan from another financial institution to lower your payments or pay off your loan sooner⁵

Whether It's Your Dream Car or Just a Smoother Commute, Family Trust Makes Financing Easy with Great Rates and Hassle-Free Approval.