Not a Member Yet?
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.
Join Today Find a Location Near You
Limited-Time Financial Offers Designed for You
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.
{beginAccordion}
Certificate Disclosures
*The Annual Percentage Yield (APY) is effective as of 06/01/2026, 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 04/01/2025, 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.
{endAccordion}
Checking Offers
Earn More. Borrow for Less. Loyalty Checking offers up to 4.00% APY1
Why choose between earning more on your money and saving on your loans? With Loyalty Checking, you can do both. Earn high-yield dividends on your checking balance and qualify for a 0.25% APR discount on consumer loans3, helping you keep more money in your pocket.
- Earn up to 4.00% APY on qualifying balances
- Receive a 0.25% APR discount on eligible consumer loans3
- Get ATM transaction fees refunded
- Enjoy everyday banking with no monthly fee when requirements are met2
Savings
Lock In a Great Rate with a Certificate of Deposit - as high as 4.00% APY1
Whether you're saving for a future purchase, building an emergency fund, or diversifying your savings strategy, a Family Trust Certificate of Deposit can help you earn more with the security of a fixed rate.
- Fixed rates for predictable growth
- Terms to fit your savings goals
- Federally insured deposits
- Peace of mind knowing your earnings won't fluctuate
Watch Your Savings Grow Faster.
Earn up to 2.25% APY¹ with a Money Market Account.
Whether you're planning your next vacation, building an emergency fund, or saving for a major purchase, a Money Market Account helps you reach your goals sooner. Enjoy competitive, tiered dividend rates that increase as your balance grows, along with convenient access to your funds.
Why Members Love It
- Up to 2.25% APY on qualifying balances¹
- Competitive, tiered dividend rates
- Easy access to your money when you need it
- No minimum deposit to open⁴
- Free Digital Banking² and eStatements³