Our high-yield savings account that rewards members who use multiple services.

Rates

Key Features

  • Tiered Rates
  • No Minimum Balance Requirements
  • Free Digital Banking3

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  • No minimum deposit to open1
  • Must meet Payback Savings qualifications 2
  • Tiered dividends — the more you save, the more you earn
  • Free digital banking3 and eStatements4
  • No minimum balance requirements

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Download our App

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Get Started

1. Must meet membership and eligibility requirements to open account. 

2. 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. 

3. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.

4. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived for members with Premier Choice Checking, members under age 18 or over age 60, and for accounts that have a monthly direct deposit of $100 or more. 

 

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