A Balance Transfer Can Help 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.

Save More of your money for what matters to you with 1.99% Balance Transfer.

Get rid of your high balance credit cards and pay off your debt sooner.

$0 Fee on
Balance Transfers

You Pay
No Annual Fee

No annual fee with 1.99% interest means more money in your pocket.

Special Limited
Time Offer

Pay 1.99% APR on balance
transfers between 1/1/25 and 12/31/25¹.

Have More Time for the Things You Love While Spending Less Time Worrying About Debt.

Get a 1.99% APR when you transfer your high interest rate credit cards to  your Family Trust Visa® credit card¹ and take advantage of this offer by paying off other debt with a cash advance!² Don't miss out - transfer and save money today.

What Our Members Are Saying

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1. Between 01/01/2025 – 03/31/2025, the Annual Percentage Rate (APR) for balance transfers and cash advances will be 1.99%, and will remain at this promotional rate until 12/31/2025 On 01/01/2026, the unpaid balance of any promotional rate balance transfer and cash advances will revert to the variable APR in force in your credit card agreement, and existing fixed rate credit cards will revert back to the fixed rate in force in your credit card agreement. Only applies to balance transfers from other financial institutions and cash advances made during this “promotional period,” which may not exceed you approved credit limit. Qualifying cash advance transactions include those proceeded using an ATM, PIN or digital banking. The promotional APR does not apply to purchases, transactions processed as a credit through the Visa network or transactions made after March 31, 2025. We may end your promotional APR and apply the prevailing APR if you are 60 days late in making payments.

2. The APR is effective as of 01/01/2025. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Certain terms, conditions and exclusions may apply. The minimum credit limit on the Platinum Awards Visa Credit Card is $5,000 and the Traditional Visa Credit Card is $1,500. The variable APR in force on your account will be assigned when issued and disclosed in your credit card agreement. The APR will change with the market based on the Prime Rate and is subject to change without notice.

For questions about this promotion, see your Lending Consultant or call 803-367-4100.

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.

Pay 1.99% until December 31, 2025¹ on balance transfers and cash advances made from January to March.

After that time, rates range from 13.2% to 18.00%².