Family Trust Blog

Holiday Closures

All branches will be closed on Monday, February 16, 2026, in observation of President’s Day.

Paying too Much in Credit Card Debt?

For a limited time, we’re offering 1.67% APR until 2027^1,2 on credit card balance transfers³ on or before March 31, 2026. Save even more and manage your debt with a lower credit card interest rate. Plus, our balance transfer has no annual, transfer, or cash advance fees^2,3.

What’s a balance transfer?

A balance transfer lets you move debt from one credit card to another, often with a lower introductory interest rate. If you’d like to know if this could help you save, we’re always here to help.

Earn Double Points through February 28th with your Visa Platinum Rewards Credit Card

Current Platinum Visa® Credit Card holders can earn 2x points for gas and grocery purchases from January 1 –  February 28 2026 when making qualifying purchases^1,4. It’s a simple way to get more value from purchases you already make with no extra steps, just smart spending and extra rewards.

Not a Platinum Visa® Credit Card holder just yet? Apply Now.

1. Must be 18 to apply.   As of 1/1/2026, the variable Annual Percentage Rate (APR) for credit cards ranges from 12.45% - 17.90%. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. The variable Annual Percentage Rate in force on your account will be assigned when issued and disclosed in your credit card agreement. The APR will change with the market based on the Prime Rate and is subject to change without notice. For complete terms and conditions, visit www.familytrust.org or call 803-367-4100 to speak with a Lending Consultant.  Additional terms, conditions and exclusions apply.

2. Between 01/01/2026 – 03/31/2026, your APR for balance transfers and cash advances will be 1.67%, and will remain at this promotional rate until 12/31/2026. On 01/01/2027, the unpaid balance of any promotional rate balance transfers and cash advances will revert to the variable APR in force in your credit card agreement. Only applies to balance transfers from other financial institutions and cash advances made during this “promotional period,” which may not exceed your approved credit limit. Qualifying cash advance transactions include those processed using an ATM, PIN or digital banking. The promotional APR does not apply to purchases, transactions processed as a credit through the Visa network or transactions made after March 31, 2026. We may end your promotional APR and apply the prevailing APR if you are 60 days late in making payments. We reserve the right to change or end this offer at any time without notice.

3. Interest begins to accrue on balance transfers and cash advances from the transaction date. These transactions are subject to the APR outlined in your credit card agreement.

4. Earn double points on qualified MCC code purchases made January 1, 2026, through February 28, 2026. Balance Transfer, ATM and cash advance transactions do not qualify for this promotion. Double points will post after the promotional period ends. Eligible members can redeem points through MyRewards^TM. For complete terms and conditions, or to redeem points, visit the?MyRewards website?or call 1-866-203-9369. We reserve the right to change or end this offer at any time without notice.