Current Promotions

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Applying is quick, easy, and open to anyone who lives, works, worships, or attends school in one of 17 counties across North Carolina and South Carolina.

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Whether you're buying a home, consolidating debt, saving for the future, or opening a new account, explore our latest promotional rates and special offers.

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Certificate Disclosures

*The Annual Percentage Yield (APY) is effective as of 09/01/2026, is variable and may change after the account is opened. The dividend period, dividend compounding and crediting are quarterly. Rates, terms and conditions are subject to change without notice. A penalty may be imposed for early withdrawals, excluding earned dividends. Fees and withdrawals could reduce earnings.

1. After the fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals, excluding earned dividends. Fees and withdrawals could reduce earnings.

2. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived with Loyalty Checking, or if you are under age 18 or over age 60.

3. Must meet Membership eligibility requirements to open account.

4. Once, during the term of the certificate, the dividend rate may be upgraded to match the same product 36 month certificate dividend rate offered at the time of the bump request, which will be fixed for the remainder of the term. To qualify for this certificate, you must have a personal checking account with direct deposit.

Loyalty Checking

*Registration/activation required; available via web or mobile only.

**Registration/activation required

1. *The Annual Percentage Yield (APY) is effective as of 09/01/2026, is variable and may change after the account is opened. The dividend period, dividend compounding and crediting are monthly. Rates, terms and conditions are subject to change without notice.

2. Fee waived with a qualifying direct deposit and at least 20 debit card or Platinum/Traditional credit card transactions posted the previous month. One Loyalty Checking account per member permitted.

3. Must be 18 to apply for a loan. Members with a Loyalty Checking may qualify for the 0.25% APR discount. See your Lending Consultant or call 803-367-4100 for further details.

Money Market Account

*The Annual Percentage Yield (APY) is effective as of 05/01/2026, is variable and may change after the account is opened. The dividend period, dividend compounding and crediting are monthly. Rates, terms and conditions are subject to change without notice.

1. Family Trust does not charge a fee; however, your wireless carrier's data rates may apply.

2. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived with Loyalty Checking, or if you are under age 18 or over age 60.

3. Must meet membership and eligibility requirements to open account.

Visa September Rate Promotion Disclosures

1. Between September 1, 2026 and September 30, 2026, your Annual Percentage Rate (APR) for all purchases will be 5.99% and will remain at this promotional rate until March 31, 2027. On April 1, 2027, the unpaid balance of any promotional rate purchases will revert to the variable APR in force in your credit card agreement which ranges from 12.45%-17.90%, and existing fixed rate credit cards will revert back to the fixed rate in force in your credit card agreement.
2. 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. Purchases may not exceed the approved credit limit. The variable Annual Percentage Rate 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 complete terms and conditions, as set forth in our Consumer Credit Card Agreement and Disclosure and our Application and Solicitation Disclosure, visit or call 803-367-4100 to speak with a Lending Consultant. 

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