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Checking Accounts

 

Account Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
$20,000 >$20,000
Loyalty Checking1 $0 $0 3.25% / 3.20% 0.10% / 0.10%
  Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
True Choice Checking Account $0 $0 0.00% / 0.00%
Fresh Start Checking Account $0 $0 0.00% / 0.00%

* The Dividend Rate and Annual Percentage Yield (APY) are 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. One Loyalty Checking per member permitted.

 

Savings Accounts

Account Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
Prime Share Savings Account1 $5 $5 0.05% / 0.05%
Explorer's Club Savings Account $5 $5 0.05% / 0.05%
Special Club Savings Account $0 $0 0.05% / 0.05%
Christmas Club Savings Account $0 $0 0.05% / 0.05%

* The Dividend Rate and Annual Percentage Yield (APY) are 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. 

1 Share par value is $5.

Education Savings Account Learn More

Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
$100 $100 0.05% / 0.05%

* The Dividend Rate and Annual Percentage Yield (APY) are 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.  

PayBack Savings Account Learn More

Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
$0 $0 0.75% / 0.75%
$0 $20,000 2.50% / 2.47%
$0 $100,000 3.00% / 2.96%

* The Dividend Rate and Annual Percentage Yield (APY) are 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. 

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.

Health Savings Account (HSA) Learn More

Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
$0 $1,000 0.05% / 0.05%
$0 $20,000 0.05% / 0.05%
$0 $100,000 0.05% / 0.05%

* The Dividend Rate and Annual Percentage Yield (APY) are 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.

There are rules that define an HSA-compatible HDHP; your insurance provider or employer should determine eligibility.

Money Market Account Learn More

Min.Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
$0 $1,000 0.50% / 0.50%
$0 $20,000 2.00% / 1.98%
$0 $100,000 2.50% / 2.47%

 

* The Dividend Rate and Annual Percentage Yield (APY) are 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. 

Explorer's Club Certificate - 12 Month

Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
$100 $100 3.75% / 3.70%
$100 $20,000 3.75% / 3.70%
$100 $100,000 3.75% / 3.70%

* The Dividend Rate and Annual Percentage Yield (APY) are determined weekly. The dividend period, dividend compounding and crediting are quarterly. Rates, terms and conditions are subject to change without notice. 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.  

Contributions can be made any time during the term of the certificate.

Certificates Learn More

Term Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
3 Month $500 $500 0.05% / 0.05%
3 Month $500 $20,000 0.05% / 0.05%
3 Month $500 $100,000 0.05% / 0.05%
6 Month $500 $500 0.10% / 0.10%
6 Month $500 $20,000 0.10% / 0.10%
6 Month $500 $100,000 0.10% / 0.10%
9 Month $500 $500 4.00% / 3.94%
9 Month $500 $20,000 4.00% / 3.94%
9 Month $500 $100,000 4.00% / 3.94%
12 Month $500 $500 3.75% / 3.70%
12 Month $500 $20,000 3.75% / 3.70%
12 Month $500 $100,000 3.75% / 3.70%
24 Month $500 $500 3.25% / 3.21%
24 Month $500 $20,000 3.25% / 3.21%
24 Month $500 $100,000 3.25% / 3.21%
36 Month1 $500 $500 3.00% / 2.97%
36 Month1 $500 $20,000 3.00% / 2.97%
36 Month1 $500 $100,000 3.00% / 2.97%
48 Month $500 $500 3.00% / 2.97%
48 Month $500 $20,000 3.00% / 2.97%
48 Month $500 $100,000 3.00% / 2.97%
60 Month $500 $500 3.00% / 2.97%
60 Month $500 $20,000 3.00% / 2.97%
60 Month $500 $100,000 3.00% / 2.97%

 

* The Dividend Rate and Annual Percentage Yield are determined weekly. The dividend period, dividend compounding and crediting are quarterly. Rates, terms and conditions are subject to change without notice. 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. 

1 Bump Your Rate Certificate: 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. 

Individual Retirement Accounts (IRAs) Learn More

Account Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
IRA Savings Account (Traditional, Roth, SEP) $0 $0 0.05% / 0.05%
IRA PayBack Savings Account (Traditional)1 $0 $0 0.75% / 0.75%
IRA PayBack Savings Account1 $0 $20,000 2.50% / 2.47%
IRA PayBack Savings Account1 $0 $100,000 3.00% / 2.96%
IRA Money Market Account (Traditional, Roth) $0 $1,000 0.50% / 0.50%
IRA Money Market Account $0 $20,000 2.25% / 2.23%
IRA Money Market Account $0 $100,000 2.75% / 2.71%

 

* The Dividend Rate and Annual Percentage Yield (APY) are 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 If the Payback IRA 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). (2) Have a Debit Card or a Credit Card and use it a minimum of 10 times as a credit (signature-based) transaction that posts during each month. (3) Log in to online or mobile banking at least once each month. (4) Have ACH direct deposits that total at least $100 each month. (5) 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. (6) Have a first mortgage originated with Family Trust, whether serviced or sold, with at least one payment that posts during each month. 

Traditional IRA Certificates Learn More

Term Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
6 Month $500 $500 0.10% / 0.10%
6 Month $500 $20,000 0.10% / 0.10%
6 Month $500 $100,000 0.10% / 0.10%
12 Month (Roth and SEP also available) $500 $500 3.75% / 3.70%
12 Month (Roth and SEP also available) $500 $20,000 3.75% / 3.70%
12 Month (Roth and SEP also available) $500 $100,000 3.75% / 3.70%
24 Month $500 $500 3.25% / 3.21%
24 Month $500 $20,000 3.25% / 3.21%
24 Month $500 $100,000 3.25% / 3.21%
36 Month1 $500 $500 3.00% / 2.97%
36 Month1 $500 $20,000 3.00% / 2.97%
36 Month1 $500 $100,000 3.00% / 2.97%
48 Month $500 $500 3.00% / 2.97%
48 Month $500 $20,000 3.00% / 2.97%
48 Month $500 $100,000 3.00% / 2.97%
60 Month $500 $500

3.00% / 2.97%

60 Month $500 $20,000 3.00% / 2.97%
60 Month $500 $100,000 3.00% / 2.97%

* The Dividend Rate and Annual Percentage Yield (APY) are determined weekly. The dividend period, dividend compounding and crediting are quarterly. Rates, terms and conditions are subject to change without notice. After the fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees and withdrawals could reduce earnings. 

1 Bump Your Rate Certificate: 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.

Personal Loans Learn More

Type Maximum Term APR as low as *Loyalty Checking APR as low as
Personal Loan 60 months 7.99% - 18.00%1 7.74% - 17.75%
Share Secured Loan 60 months APY + 3.00% n/a
Share Certificate Secured Loan Certificate term APY + 3.00% n/a

1. APR is effective as of 10/01/2024, is the lowest available rate and is subject to change. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Personal Loan Payment examples: 24 monthly payments of $45.37 for every $1,000 borrowed at 7.99% APR; 24 monthly payments of $45.25 for each $1,000 borrowed at 7.74% APR.

*Members with a Loyalty Checking may qualify for the 0.25% APR discount. See a Lending Consultant or call 803-367-4100 for further details.

 

 

Family Trust Visa® Credit Cards Learn More

Type APR as low as
Platinum Awards 15.70% - 17.90%
Traditional 13.70% - 17.90%

 

APR is effective as of 10/01/2024. 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. The minimum credit limit on the Platinum Awards Visa Credit Card is $5,000 and the Traditional Visa Credit Card is $1500. 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, which ranges from 13.70% - 17.90% as of 10/01/2024. 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.

Auto Loans Learn More

Type APR as low as
New 4.59% - 16.79%
Used  5.29% - 17.79%

 

   *Discounted APR as low as
New 4.09% - 16.29%
Used  4.79% - 17.29%

 

APR is effective as of 08/01/2024, is the lowest available rate and is subject to change. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Any vehicle financed with Family Trust must be a 2009 model or newer. Payment Example: 42 monthly payments of $25.65 for each $1,000 borrowed at 4.09% APR, or 66 monthly payments of $17.16 for each $1,000 borrowed at 4.49% APR.

* Must have full paycheck, SSI, or other income direct deposit(s) into a Family Trust personal checking account, or have direct deposit started within 90 days of loan origination, to qualify for the 0.50% APR discount.

Motorcycle, Boat & RV Loans Learn More

Type APR as low as *Loyalty Rate APR as low as
New and used 7.79% - 18.00% 7.54% - 17.75%

APR is effective as of 02/26/2024, is the lowest available rate, and is subject to change. Qualification is based on creditworthiness, income, and other underwriting factors, and is subject to approval. Must be 18 to apply. Acceptable collateral types may include motorcycle, watercraft, ATV, camper, RV, or farm equipment. Payment example: 36 monthly payments of $31.24 for each $1,000 borrowed at 7.79% APR; or 36 monthly payments of $31.12 for every $1,000 borrowed at 7.54% APR. 

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

Fixed Rate Mortgages Learn More

Type APR as low as Payment Example
30-Year Fixed Rate 6.035% $1,478.84
15-Year Fixed Rate 5.638% $2,026.16

APR is effective as of 08/26/24 and is subject to change.  

Payment examples are based on a $250,000 loan and include only principal and interest. Actual payment obligation will be greater if an escrow account is required.  

To apply for a mortgage loan, you must be 18. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and mortgage product, and is subject to change. 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.  

Additional mortgage loan types available include First-Time Homebuyer, 100% Mortgage Financing, Jumbo Loans, Independence Mortgage, USDA, FHA and VA Mortgage Loans, Construction Loans and Land and Lot Loans. Call our Mortgage Department at (803) 367-4100, ext. 3014, for additional information.  

NMLS Identifier Number: 493819 

Home Equity Line of Credit Learn More

Type APR as low as
Home Equity Line of Credit 8.00% - 14.25%1

 

1. APR is effective as of 10/01/2024 and is subject to change.  

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.  

NMLS Identifier Number: 493819

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