Loyalty Checking Helps Make Your Life Easier.
When you join Family Trust, you're not just a member of the credit union, you are an owner. That means we put your interests first, even ahead of our own. It means we are here to help you achieve all of your financial goals. It also means we're here to make the daily ins and outs of managing your money easier and more convenient, with fewer fees and restrictions. Every day, in everything we do, your interests come first.
Not Just for Savings Accounts Anymore.
Loyalty deserves modern perks — take advantage of great benefits while earning money with your checking account. Get 3.25% APR* on a new Loyalty Checking account when you convert a current account or sign up for a new account with Family Trust.
Our Loyalty Checking earns
you money at a high APR .
High-Yield
Dividend 1
No Fees 2 with Simple Qualifications 5
No fees with simple qualifications to open an account or switch.
Personal Loan
Discount 3
Members with Loyalty Checking may qualify for a 0.25% APR discount.
Unlimited ATM Transactions
Transaction fees4 are refunded on
out-of-network ATMs.
A Checking Account That Earns You Money
Ever thought that your checking account could earn you money? You work hard, and now your checking account can too. This new and modernized checking account brings you the following benefits:
What Our Members Are Saying
Betty answered all my questions and made it so easy to complete my auto loan.
-Stephanie
Quick and easy process thanks to your team of professionals.
-Terrance
Always there for me and my family; we do 95% of our banking with Family Trust.
-Robert
Betty Tucker is the greatest. She made the entire loan process a "breeze".
-Terry
I was in desperate need of help. Family Trust helped me out a lot.
-Ronald
FTFCU is the best banking experience in the USA.
-Gary
Interested In Learning More?
Complete the form below and a member of the Family Trust team will reach out to discuss what checking option works best for you!
© Family Trust Federal Credit Union | Portions Copyright © Kasasa, Ltd. All rights reserved.
Very quick, easy, and efficient!
-Sandra
Get what you need today.
*Registration/activation required; available via web or mobile only.
**Registration/activation required
1. The Annual Percentage Yield (APY) is effective as of 01/01/2024, 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.
2. Fee waived with a qualifying direct deposit and at least 20 debit card or Platinum/Traditional credit card transactions posted the previous month. One Loyalty Checking account per member permitted.
3. Must be 18 to apply for a loan. Members with a Loyalty Checking may qualify for the 0.25% APR discount. See your Lending Consultant or call 803-367-4100 for further details.
4. To locate a surcharge free ATM, visit the familytrust.com Branches & ATMs page. 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. With Loyalty Checking, all ATM withdrawal and inquiry fees are refunded monthly, whether incurred from Family Trust or other institutions, as determined applicable by the Credit Union.
5. Must have a direct deposit(s) into a personal Family Trust account. Deposits that do not meet eligibility include deposits or transfers made at a branch, through Digital Banking, by a debit, credit or prepaid card, or through a payment App or service.
6. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived for members with Loyalty Checking, members under age 18 or over age 60.
9. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
10. Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
11. Family Trust does not charge for this service; however, your wireless carrier’s data rates may apply.
12. Only members with a checking account that are eligible for Mobile Deposit can use this service.
13. Free Bill Pay only applies to basic services. Fees may apply for additional services.
14. Apple Pay is a registered trademark of Apple Inc.
15. Google Pay is a trademark of Google LLC.
16. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
225 W. White St., Rock Hill, SC 29730
Mailing address: Family Trust Center, P.O. Box 10233, Rock Hill, SC 29731
Federally Insured by NCUA.
Bank Where You Belong.
At Family Trust, We Understand.
Our goal is to make sure you know we are on your side and want to help you. It's that simple. You can count on us to listen to your needs, find a solution, and help you make the best financial decisions possible. Ultimately, we want you to feel good about your choice and your finances. Because here, you come first.
- IDProtect®7 Credit Score Tracker9, 10
- IDProtect®7 Credit Score Simulator9**
- Free Digital Banking11 with Mobile Deposit12, BillPay13, and eStatements6
- Apple Pay®14 , Google PayTM 15 , and Samsung Pay16
- And more
