The Latest

Take Advantage of Our 4.49% HELOC

Looking for a flexible way to borrow AND save? Right now, we’re offering a Home Equity Line of Credit (HELOC) at a promotional rate of 4.49% APR¹ —giving you access to the money you need, when you need it. 

Whether you're planning a home improvement project, consolidating high-interest debt, or setting aside funds for the unexpected, a HELOC can help you move forward with confidence.

What are signs that a HELOC would be beneficial to you?

A Home Equity Line of Credit lets you borrow against the equity you've built in your home—often at lower rates than credit cards or personal loans. It's a great option if:

• You need the flexibility to borrow only what you need
• You want lower monthly payments compared to other high-interest alternatives
• You need a reliable safety net or emergency fund for unexpected expenses²
• You’re trying to find a method to help you consolidate debt

Plus, with our limited-time promotional rate of 4.49% APR on new advances until September 30, 2025¹, it’s smart to take advantage of your home’s value while you can. Members who participate can keep this rate until March 31, 2026.

Learn more here, use the chat feature at familytrust.org to hear from us during business hours, or give us a call at 803-367-4100 with any questions.

1. From April 1, 2025 to September 30, 2025, new advances on new or existing HELOCs will receive a promotional fixed rate of 4.49%.  This rate will remain in effect on those advances through March 31, 2026.  Beginning April 1, 2026, the remaining balance from those advances will convert to the standard variable APR in effect in your loan agreement.  As of 4/1/2025, the APR for new HELOCs ranges from 7.50%-12.00% APR.  Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. The APR for a Home Equity Line of Credit (HELOC) is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin of up to 6.25%. As Prime changes, the APR on your account will change. The APR will not go below 3.25% or exceed 18.00%. A HELOC is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. The minimum line of credit amount is $10,000. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply. Other restrictions may apply. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.

2.Must be in good standing in accordance with the terms of your loan agreement and be within the HELOC draw period to be eligible for additional advances on your HELOC.

Institution NMLS Identifier Number: 493819