Rates

* 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.

* 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.

* 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.  

* 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.

* 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.

* 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. 

* 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.

* 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. 

* 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. 

* 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.

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.

APR is effective as of 12/01/2024. 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 13.45% - 17.90% as of 12/01/2024. 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.

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.

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.