A home equity line of credit (HELOC)1 gives you
endless possibilities to make your life easier.
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.
The Smart Way to Borrow.
Tap into your home’s equity with flexible and affordable payments.
Ready to turn your home's equity into financial freedom?
With a home equity line of credit* (also known as a HELOC) from Family Trust, the possibilities are endless. Imagine having the funds on hand to renovate your home, consolidate debt, or deal with unexpected expenses. Need a new roof? No problem. A new kitchen? We can help you with that.
What Our Members Are Saying
Betty answered all my questions and made it so easy to complete my auto loan.
-Stephanie
Quick and easy process thanks to your team of professionals.
-Terrance
Always there for me and my family; we do 95% of our banking with Family Trust.
-Robert
Betty Tucker is the greatest. She made the entire loan process a "breeze".
-Terry
I was in desperate need of help. Family Trust helped me out a lot.
-Ronald
FTFCU is the best banking experience in the USA.
-Gary
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!
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Very quick, easy, and efficient!
-Sandra
Bank where you belong.
1. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. The APR for a Home Equity Line of Credit (HELOC) is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin of up to 6.25%. As Prime changes, the APR on your account will change. The APR will not go below 3.25% or exceed 18.00%. A HELOC is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. The minimum line of credit amount is $10,000. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.
2. Consult a tax advisor. The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.
NMLS Identifier Number: 493819
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 confident about your choice and your finances. Because here, you come first.
Competitive Rates
Anytime Funds
Quick Decisions
Local Processing
It's the smart way to borrow.
A HELOC can give you peace of mind by giving you the extra money you need. Applying is easy, and we're here to guide you every step of the way. Tap into HELOC funds whenever, wherever, by making a transfer in digital banking.