Rates effective as of September 21, 2020.

Checking Accounts

Account Min. Deposit to Open Min. Balance to Earn APY* *APY / Dividend Rate
True Choice Checking Account $0 $0 0.00% / 0.00%
Premier Choice Checking Account $0 $250 0.05% / 0.05%
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. 

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 0.15% / 0.15%
$0 $20,000 0.20% / 0.20%
$0 $100,000 0.45% / 0.45%

* 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). (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. 

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 $75,000 0.10% / 0.10%

* 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 0.10% / 0.10%
$0 $20,000 0.15% / 0.15%
$0 $75,000 0.30% / 0.30%

* 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 months Learn More

Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
$100 $100 0.60% / 0.60%
$100 $20,000 0.60% / 0.60%
$100 $100,000 0.60% / 0.60%

* 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.

Share Certificates Learn More

Term Min. Deposit to Open Min. Balance to Earn APY* APY* / Dividend Rate
3 Month $500 $500 0.10% / 0.10%
3 Month $500 $20,000 0.10% / 0.10%
3 Month $500 $100,000 0.10% / 0.10%
6 Month $500 $500 0.15% / 0.15%
6 Month $500 $20,000 0.15% / 0.15%
6 Month $500 $100,000 0.15% / 0.15%
9 Month $500 $500 0.25% / 0.25%
9 Month $500 $20,000 0.25% / 0.25%
9 Month $500 $100,000 0.25% / 0.25%
12 Month $500 $500 0.60% / 0.60%
12 Month $500 $20,000 0.60% / 0.60%
12 Month $500 $100,000 0.60% / 0.60%
24 Month $500 $500 0.70% / 0.70%
24 Month $500 $20,000 0.70% / 0.70%
24 Month $500 $100,000 0.70% / 0.70%
36 Month1 $500 $500 0.75% / 0.75%
36 Month1 $500 $20,000 0.75% / 0.75%
36 Month1 $500 $100,000 0.75% / 0.75%
48 Month $500 $500 0.80% / 0.80%
48 Month $500 $20,000 0.80% / 0.80%
48 Month $500 $100,000 0.80% / 0.80%
60 Month $500 $500 1.00% / 1.00%
60 Month $500 $20,000 1.00% / 1.00%
60 Month $500 $100,000 1.00% / 1.00%

* 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) $5 $5 0.05% / 0.05%
IRA PayBack Savings Account (Traditional)1 $0 $0 0.15% / 0.15%
IRA PayBack Savings Account1 $0 $20,000 0.20% / 0.20%
IRA PayBack Savings Account1 $0 $100,000 0.45% / 0.45%
IRA Money Market Account (Traditional, Roth) $0 $1,000 0.10% / 0.10%
IRA Money Market Account $0 $20,000 0.15% / 0.15%
IRA Money Market Account $0 $75,000 0.30% / 0.30%

* 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 0.15% / 0.15%
6 Month $500 $20,000 0.15% / 0.15%
6 Month $500 $100,000 0.15% / 0.15%
12 Month (Roth and SEP also available) $500 $500 0.60% / 0.60%
12 Month (Roth and SEP also available) $500 $20,000 0.60% / 0.60%
12 Month (Roth and SEP also available) $500 $100,000 0.60% / 0.60%
24 Month $500 $500 0.70% / 0.70%
24 Month $500 $20,000 0.70% / 0.70%
24 Month $500 $100,000 0.70% / 0.70%
36 Month1 $500 $500 0.75% / 0.75%
36 Month1 $500 $20,000 0.75% / 0.75%
36 Month1 $500 $100,000 0.75% / 0.75%
48 Month $500 $500 0.80% / 0.80%
48 Month $500 $20,000 0.80% / 0.80%
48 Month $500 $100,000 0.80% / 0.80%
60 Month $500 $500 1.00% / 1.00%
60 Month $500 $20,000 1.00% / 1.00%
60 Month $500 $100,000 1.00% / 1.00%

* 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 *Premier Rate APR as low as
Personal Loan 36 months1 7.99% - 18.00% 7.74% - 17.75%
Share Secured Loan 60 months APY2 + 3.00% n/a
Share Certificate Secured Loan Certificate term APY2 + 3.00% n/a

APR is effective as of 02/10/2020, 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. 

*Must qualify for and open or have a Premier Choice Checking account to receive the Premier APR, which may vary depending on your credit history and other underwriting factors.

1 The lowest available rate is offered for a maximum of 36 months. Ask your Loan Consultant about additional terms and rates. 

2 APY = Annual Percentage Yield. Personal Loan Payment examples: 36 monthly payments of $78.33 for every $2,500 borrowed at 7.99% APR; 36 monthly payments of $78.04 for each $2,500 borrowed at 7.74% APR. 

Family Trust Visa® Credit Cards Learn More

Type APR as low as
Platinum Awards 7.95% - 12.95%
Traditional 6.95% - 17.95%

APR is effective as of 04/01/2020. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Must be 18 to apply. 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. 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 familyttrust.org or call 803-367-4100 to speak with a Lending Consultant. 

Auto Loans Learn More

Type APR as low as
New 1.99% - 15.99%
Used  1.99% - 17.49%

APR is effective as of 05/11/2020, 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. Payment Example: 36 monthly payments of $28.65 for each $1,000 borrowed at 1.99% APR. 

Motorcycle, Boat & RV Loans Learn More

Type APR as low as *Premier Rate APR as low as
New and used 6.25% - 18.00% 6.00% - 17.75%

APR is effective as of 05/11/2020, 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: 60 monthly payments of $19.47 for each $1,000 borrowed at 6.25% APR; or 60 monthly payments of $19.35 for every $1,000 borrowed at 6.00% APR. 

*Must qualify for and open or have a Premier Choice Checking account to receive the Premier APR, which may vary depending on your credit history and other underwriting factors. 

Fixed Rate Mortgages Learn More

Type APR as low as Payment Example
30-Year Fixed Rate 3.184% $843.21
15-Year Fixed Rate 3.171% $1,357.24

APR is effective as of 09/22/2020 and is subject to change.  

Payment examples are based on a $200,000 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 4.00% - 9.50%

APR is effective as of 04/01/2020 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 4.00% 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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