Keep it simple and true.
You’ve got enough on your plate. True Choice Checking gives you all the essentials you'll need to manage your daily spending — without the fees.
Features You’ll Love
- Access to surcharge-free ATMs
- Bank anytime, anywhere with Digital Banking
- No minimum balance requirements
Get everything you need in a personal checking account, and nothing you don’t.
- No monthly maintenance fee1
- Free Visa® Debit Card
- A Family Trust debit card makes purchasing, fast, secure, and easy and offers purchase protections, too.
- Free digital banking3 with Mobile Deposit4, BillPay5, and eStatements1
- In digital banking, pay your bills anytime in just a few clicks, or set up automatic bill payment and basically let your bills pay themselves. And our free eStatements are greener, more secure, and much easier to store than paper statements.
- Apple Pay® supporter6
- With Apple Pay, you can securely store your Family Trust Debit Card information on your mobile device and use it to make cardless and contactless payments just about anywhere.
- No minimum balance requirements
- No minimum deposit to open7
- Network of 90+ ATM locations at no charge8
- Easily locate an ATM near you
- Unlimited check writing9
- Four Non-Family Trust ATM transaction fees refunded monthly10
- Overdraft protection available2
- Family Trust offers several overdraft protection options. It’s one more way to make your checking account work for you.
1. 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.
2. To learn more about optional overdraft protection services, visit the family trust.org Overdraft Protection page. There is no fee to transfer from savings account or credit card to cover an overdraft. However, for credit cards, interest will accrue from the day of the transfer. Must be 18 to apply for a loan and qualification is required. Loan eligibility, terms, and approval are based on credit, income, and other underwriting factors. You must qualify for No Bounce Courtesy Pay. Each item paid through this service is subject to a $32.00 Overdraft Fee if the overdrawing transaction is $5.00 or more. There is a daily cap of 5 fees. Fees may be imposed for covering overdrafts created by check, ACH transactions, and other electronic transactions. You may also elect to cover overdrafts from one-time debit card transactions and ATM withdrawals. With No Bounce Courtesy Pay, we will generally pay your overdraft items when paying them would not cause your available balance to go more than $600.00 into the negative. However, payment of your overdraft items is at our discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or if you use the service irresponsibly. You must bring your account to a positive balance within thirty (30) days of the overdraft. To opt-out of this service, call us at (803) 367-4100 or visit one of our branches. Additional terms and conditions apply.
3. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.
4. Only members with a checking account that are eligible for Mobile Deposit can use this service.
5. Free Bill Pay only applies to basic services. Fees may apply for additional services.
6. For a list of compatible Apple Pay devices, see www.apple.com/apple-pay.
7. Must meet Membership and eligibility requirements to open account.
8. When using a Non-Family Trust ATM, you may incur a fee by the ATM operator/ network, and you may incur a balance inquiry fee even if you do not complete a transaction. For details, see our Fee Schedule.
9. Checkbooks are available to purchase. Members over age 60 with any personal checking account receive one free box of checks annually.
10. With True Choice, if between 13-25, up to four $2 Non-Family Trust ATM withdrawal and/or inquiry fees are refunded monthly, excluding ATM fees from other institutions, as determined applicable by the Credit Union.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Type | APR as low as |
|---|---|
| New | 4.24% - 16.79% |
| Used | 4.59% - 17.79% |
| *Discounted APR as low as | |
|---|---|
| New | 3.99% - 16.29% |
| Used | 4.34% - 17.29% |
*APR is effective as of 05/05/2025, is the lowest available rate and is subject to change. Must have a Loyalty Checking account at the time of loan funding to qualify for the 0.25% APR discount. Payment Example: 66 monthly payments of $16.93 for each $1,000 borrowed at 3.99% APR, or 75 monthly payments of $15.28 for each $1,000 borrowed at 4.34% 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.
Certificates
| 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 | 3.25% / 3.21% |
| 9 Month | $500 | $20,000 | 3.25% / 3.21% |
| 9 Month | $500 | $100,000 | 3.25% / 3.21% |
| 12 Month | $500 | $500 | 3.50% / 3.45% |
| 12 Month | $500 | $20,000 | 3.50% / 3.45% |
| 12 Month | $500 | $100,000 | 3.50% / 3.45% |
| 24 Month | $500 | $500 | 3.70% / 3.65% |
| 24 Month | $500 | $20,000 | 3.70% / 3.65% |
| 24 Month | $500 | $100,000 | 3.90% / 3.84% |
| 36 Month1 | $500 | $500 | 3.65% / 3.60% |
| 36 Month1 | $500 | $20,000 | 3.65% / 3.60% |
| 36 Month1 | $500 | $100,000 | 3.85% / 3.80% |
| 48 Month | $500 | $500 | 3.55% / 3.50% |
| 48 Month | $500 | $20,000 | 3.55% / 3.50% |
| 48 Month | $500 | $100,000 | 3.75% / 3.70% |
| 60 Month | $500 | $500 | 3.55% / 3.50% |
| 60 Month | $500 | $20,000 | 3.55% / 3.50% |
| 60 Month | $500 | $100,000 | 3.75% / 3.70% |
*The Annual Percentage Yield (APY) is effective as of 12/01/2025, 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 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.
Checking Accounts
| Account | Min. Deposit to Open | Min. Balance to Earn APY* | APY* / Dividend Rate | |
|---|---|---|---|---|
| $20,000 | >$20,000 | |||
| Loyalty Checking1 | $0 | $0 | 4.00% / 3.93% | 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 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. Rates, terms and conditions are subject to change without notice.
1. One Loyalty Checking per member permitted.
Education Savings Account
| Min. Deposit to Open | Min. Balance to Earn APY* | APY* / Dividend Rate |
|---|---|---|
| $100 | $100 | 0.05% / 0.05% |
*The Annual Percentage Yield (APY) is effective as of 01/01/2025, 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.
Explorer's Club Certificate - 12 Month
| Min. Deposit to Open | Min. Balance to Earn APY* | APY* / Dividend Rate |
|---|---|---|
| $100 | $100 | 3.50% / 3.45% |
| $100 | $20,000 | 3.50% / 3.45% |
| $100 | $100,000 | 3.50% / 3.45% |
* 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.
Family Trust Visa® Credit Cards
| Type | APR as low as |
|---|---|
| Platinum Awards | 14.70% - 17.90% |
| Traditional | 12.70% - 17.90% |
APR is effective as of 11/01/2025. 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 and the Traditional Visa Credit Card is $500. 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 12.70% - 17.90% as of 11/01/2025. 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.
Fixed Rate Mortgages
| Type | APR as low as | Payment Example |
|---|---|---|
| 30-Year Fixed Rate | 5.5% | $1,419.47 |
| 15-Year Fixed Rate | 4.708% | $1,928.49 |
APR is effective as of 11/03/25 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
Health Savings Account (HSA)
| 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 Annual Percentage Yield (APY) is effective as of 01/01/2025, 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.
There are rules that define an HSA-compatible HDHP; your insurance provider or employer should determine eligibility.
Home Equity Line of Credit
| Type | APR as low as |
|---|---|
| Home Equity Line of Credit | 7.25% - 11.75%1 |
1. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. The Annual Percentage Rate (APR) for a Home Equity Line of Credit (HELOC) is variable and based on the 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.
The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.
NMLS Identifier Number: 493819
Individual Retirement Accounts (IRAs)
| 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 | 1.25% / 1.24% |
| 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 | 1.00% / 1.00% |
| IRA Money Market Account | $0 | $20,000 | 2.25% / 2.22 |
| IRA Money Market Account | $0 | $100,000 | 2.75% / 2.72% |
*The Annual Percentage Yield (APY) is effective as of 12/01/2025, 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 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.
Money Market Account
| Min.Deposit to Open | Min. Balance to Earn APY* | APY* / Dividend Rate |
|---|---|---|
| $0 | $1,000 | 1.00% / 1.00% |
| $0 | $20,000 | 2.25% / 2.22% |
| $0 | $100,000 | 2.75% / 2.72% |
*The Annual Percentage Yield (APY) is effective as of 12/01/2025, 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.
Motorcycle, Boat & RV Loans
| Type | APR as low as | *Loyalty Rate APR as low as |
|---|---|---|
| New and used | 7.54% - 18.00% | 7.29% - 17.75% |
APR is effective as of 03/03/2025, 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 $31.23 for each $1,000 borrowed at 7.54% APR; or 36 monthly payments of $31.11 for every $1,000 borrowed at 7.29% 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.
PayBack Savings Account
| Min. Deposit to Open | Min. Balance to Earn APY* | APY* / Dividend Rate |
|---|---|---|
| $0 | $0 | 1.25% / 1.24% |
| $0 | $20,000 | 2.50% / 2.47% |
| $0 | $100,000 | 3.00% / 2.96% |
*The Annual Percentage Yield (APY) is effective as of 12/01/2025, 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.
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.
Personal Loans
| Type | Maximum Term | APR as low as | *Loyalty Checking APR as low as |
|---|---|---|---|
| Personal Loan | 60 months | 7.24% - 18.00%1 | 6.99% - 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 10/01/2025, 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 $45.01 for every $1,000 borrowed at 7.24% APR; 24 monthly payments of $44.89 for each $1,000 borrowed at 6.99% 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.
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 Annual Percentage Yield (APY) is effective as of 01/01/2025, 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.
1 Share par value is $5.
Traditional IRA Certificates
| 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 | 3.50% / 3.45% |
| 12 Month (Roth and SEP also available) | $500 | $20,000 | 3.50% / 3.45% |
| 12 Month (Roth and SEP also available) | $500 | $100,000 | 3.50% / 3.45% |
| 24 Month | $500 | $500 | 3.70% / 3.65% |
| 24 Month | $500 | $20,000 | 3.70% / 3.65% |
| 24 Month | $500 | $100,000 | 3.90% / 3.84% |
| 36 Month1 | $500 | $500 | 3.65% / 3.60% |
| 36 Month1 | $500 | $20,000 | 3.65% / 3.60% |
| 36 Month1 | $500 | $100,000 | 3.85% / 3.80% |
| 48 Month | $500 | $500 | 3.55% / 3.50% |
| 48 Month | $500 | $20,000 | 3.55% / 3.50% |
| 48 Month | $500 | $100,000 | 3.75% / 3.70% |
| 60 Month | $500 | $500 |
3.55% / 3.50% |
| 60 Month | $500 | $20,000 | 3.55% / 3.50% |
| 60 Month | $500 | $100,000 | 3.75% / 3.70% |
*The Annual Percentage Yield (APY) is effective as of 12/01/2025, 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 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.