• Auto Loans
    • APR as low as
    • 1.90%
  • Mortgages
    • APR as low as
    • 4.00%
    • APR as low as
    • 4.50%
  • Visa
    • APR as low as
    • 8.45%
  • Current Rates

Special Offers

Members get special discounts and offers on products and services. See the latest promotions and member perks.

Join In-Branch

Membership is open to anyone who lives, works, worships or attends school in York County.

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Apply for a loan or credit card at your convenience using our secure online applications.


Learn more about our community involvement, financial education and Family Trust news.


“We earn enough points with our Visa Platinum Awards card to buy Christmas presents for all nine of our nieces and nephews!”

Member since 1987


“We attended the Home-buying seminar and my heart stopped when we found out we were pre-qualified. From there, Family trust helped us into our new home!”

Member since 2010

“Family Trust worked quickly to get my Auto Loan done that day. It was easy, and I couldn’t have done it without them.”

Member since 2013


“I didn’t think it was possible but the Mortgage Team did everything they could for us, like we were family. They were a true blessing.”

Member since 2005

Jody cheryl

“It’s like you have a family member holding your hand, walking you through how to purchase a car.”

Jody & Cheryl
Members since 1972 & 1986

“I was pre-approved online quickly, and I gained a sense of independence.”

Member since 2007

Latest News

Retire Mortgage-Free with an Independence Mortgage

Housing is often the typical American’s greatest monthly expense, whether during retirement or during working years. If you happened to sign a 30-year mortgage in your 30s and made all your payments as scheduled, there’s a good chance your home will be paid off by the time you bring your career to a close. But what happens when you sign a 30-year mortgage in your 40s, yet want to retire in your 60s? If that’s the case, you risk entering retirement with mortgage debt.