Member-owned since 1953
Banking that belongs to its members.
Greater Trust is a not-for-profit credit union owned by the 187,000 people who bank here. That’s why we charge less, pay more on savings, and answer the phone in two rings.
Federally insured by NCUA · 32 branches · 5,000+ free ATMs · Equal Housing Lender
By the numbers
187,000
Member-owners
$3.4B
In assets
4.10% APY
On savings
Money Market account
71 yrs
Of community banking
Founded 1953
Account match
Find the right account in 60 seconds
Five questions, then we’ll match you with the checking, savings, or loan that fits. No hard sell.
Find the right account in 60 seconds
Five questions, then we’ll match you with the checking, savings, or loan that fits your situation. No hard sell — just a starting point.
Step 1 of 520%
We’re a member-owned credit union, not a bank. That means lower fees, better savings rates, and decisions made by humans who live in your community.
What are you most looking for?
Why members switch to us
The credit union difference
Owned by you, not Wall Street
Profits go back to members as better rates and lower fees — not to shareholders. The board is elected by members.
Better savings rates
Our Money Market pays 4.10% APY vs. the national bank average of 0.42%. The difference is the cooperative model.
Lower loan rates
Auto loans from 5.49%. Mortgages competitive with the best in market. Credit cards capped at 18% — never ‘up to 36%’ like big bank cards.
Real humans on the phone
Average wait time 47 seconds. The person who answers can actually solve the problem — not transfer you 4 times.
Local decisions
Loan and lending decisions made in the Carolinas + Tennessee, not in a distant call center. Branch managers have real authority.
Community reinvestment
$2.3M reinvested into local nonprofits and small business loan funds in 2025. Banking should mean something.
How to join
Become a member-owner
- 1Step 1EligibilityLive, work, worship, or attend school in our service area (NC, SC, East TN). Or have an immediate family member who does.
- 2Step 2Apply online10 minutes. ID, address, SSN, and $5 to open the savings account that establishes membership.
- 3Step 3You’re a memberFrom here, all our accounts and loans are open to you. Members can vote on board elections + attend annual meeting.
From members
Why people stay
“Switched from Bank of America after 22 years. The first month I noticed: no monthly fees, my savings actually earns interest, and someone picks up the phone. Wish I’d done it a decade ago.”
PW
Patricia W.
Member since 2024 · Charlotte, NC
“Got an auto loan at 5.99% when the dealer was offering 9.4%. Refi saved me $3,200 over the term. The branch manager remembered my kids’ names from the previous visit.”
JR
Jamal R.
Member since 2021 · Greenville, SC
“When my dad passed, the local branch helped me sort out his accounts in person. They knew him. They called me to check in afterward. That’s not banking — that’s community.”
EK
Eleanor K.
Member since 1998 · Asheville, NC
Common questions
What new members ask
- Banks are for-profit corporations owned by shareholders. Credit unions are not-for-profit cooperatives owned by their members. That structural difference is why our rates are better — profits get returned to members instead of paid out as dividends.