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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 10/01/2026, 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 10/01/2026, 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.

PayBack Disclosures

*The Annual Percentage Yield (APY) is effective as of 10/01/2026, 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. Must meet membership and eligibility requirements to open account. 

2. If Payback Savings qualifications are not met each month, the rate earned will revert to the Prime Share rate paid during that month. Must meet four out of six qualifications each month: (1) Have a personal checking account in good standing (excluding Business Checking and HSA Checking accounts) and use a Debit Card or Credit Card a minimum of 10 times as a credit (signature-based) transaction that posts during each month. (2) Log in to online or mobile banking at least once each month. (3) Have ACH direct deposits that total at least $100 each month. (4) Have an active auto, personal, home equity, or home equity lines of credit loan with at least one transaction (payment, purchase, cash advance or balance transfer) that posts during each month. (5) Have a first mortgage originated with Family Trust, whether serviced or sold, with at least one payment that posts during each month. (6) Have a Family Trust Credit Card with at least one transaction (payment, purchase, cash advance, or balance transfer) that has posted in the previous two months.

3. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.

4. 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.

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