Simplifying High-Yield Banking

Earning dividends often comes with strings attached, but Loyalty Checking was designed for you to earn dividends without jumping through hoops. Loyalty is perfect for those looking for ways to get more out of their current checking account. Earn up to 4.00% APY on balances up to $20,000¹.

With Loyalty Checking, you can grow your money while you go about your day, whether it’s paying for groceries, filling up at the gas station, or covering your streaming subscriptions.

Straightforward and easy qualifications

There’s no minimum balance required to open a Loyalty Checking account. Avoiding the $7.95 maintenance fee is easy with a qualifying direct deposit and at least 20 debit card or credit card transactions a month². It’s as simple as that. Even casual use is enough to earn up to 4.00% APY with Loyalty.¹ Money you already keep on hand can work for you without extra effort.

Perks Beyond Dividends

Loyalty Checking also comes with additional benefits with minimal setup:

• Consumer loan rate discount³ just by being a Loyalty Checking account holder.
• IDProtect®, Credit Score Tracker & Simulator⁴ all included to help enhance your financial experience.
• Mobile services and wallet compatibility: standard features like mobile deposit⁵, BillPay⁶, eStatements⁷, and contactless payment methods (Apple Pay®, Google Pay™, and Samsung Pay®).

Loyalty Checking offers big value for minimal work on your part, making financial growth effortless. Why settle for an account that just holds your money when it could be working for you every day?

Open your Loyalty Checking account today¹ and start earning more.

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. Stated APY applies to balances up to $20,000. Balances over $20,000 earn 0.10% APY (effective as of 04/01/2025). Rates, terms and conditions are subject to change without notice.

2. Fees may reduce earnings on the account. The $7.95 monthly maintenance fee can be waived with a qualifying direct deposit and at least 20 debit card or Platinum/Traditional credit card transactions posted the previous month. Deposits that do not meet eligibility include deposits or transfers made at a branch, through Digital Banking, by a debit, credit or prepaid card, or through a payment App or service. 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.

4. This applies to Loyalty Checking ID Protect. Benefits are available to personal checking account owner(s) and their joint account owners and are subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance certificate. Guide to Benefit and insurance certificate can be found online at www.familytrust.org/LoyaltyRewards. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

5. Only members with a checking account that are eligible for Mobile Deposit can use this service.

6. Free Bill Pay only applies to basic services. Fees may apply for additional services.

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