PERSPECTIVE
Lee Gardner, CEO and President
FAMILY TRUST
T
he true spirit of the holidays
should always be about giving,
and at Family Trust we try to keep
it that way. We know it’s important
to you that we give back to the
community, and we participate in
many efforts.
Giving Tuesday is one example
where we’re teaming up with others
to raise money for good causes.
Employees already are planning to
HOLIDAY SPIRIT
YEAR-ROUND
collect toys for needy children and
play Santa with the Salvation Army.
cash comes in handy for buying
Christmas presents.
We also strive to give back to
members all year long through
a variety of perks, which include
our PayBack Savings account and
Bump Your Rate certificates and
IRAs. PayBack provides a higher
interest rate when you meet certain
qualifications; the Bump products
provide flexibility to those who
want to react quickly to rising
interest rates.
Again this holiday season, we’ll
offer low rates for personal loans,
and a holiday skip payment on
Visa and consumer loans. Many
of our members appreciate these
gifts because they provide extra
money for shopping. You can read
more on page 3.
Our Visa® credit rewards program
also is very rich, and we’re the rare
financial institution that also offers
rewards for Debit card usage. It’s a
great gift around the holidays since
you can redeem points for gift cards,
cash and travel credits. I use Visa
credit for almost every expense
to get the points and then pay the
balance each month. The bonus
Of course, one way we all can
give back is by banking and doing
business in York County. Last
year, we emphasized the value of
supporting York County retail
shops and restaurants, and we
encourage you to do the same
this year. By supporting local
businesses, we create a stronger
York County economy.
Let’s all get into the spirit of the
holidays. The best way to do it is
by giving.
Cover: (From left) Cathie, Linda, Sarah, Richard, Elizabeth, and Erica.
Need a little jingle in your pockets?
We’ve got a loan for that.
Personal Loans
as low as
6.40
%
APR1
Apply: familytrust.org
1 APR = Annual Percentage Rate. APR is the lowest available rate based on creditworthiness, and reflects a discount for loans that qualify for the Relationship Pricing Discount. Relationship Pricing
qualifications: Family Trust Checking Account with Direct Deposit, a Family Trust Visa Credit Card, and Online Banking with E-Statements. Members with a Premier Choice Checking account may qualify
for a rate discount of 0.25%, which cannot be combined with Relationship Pricing rates. Terms of repayment example: 36 monthly payments of $31.07 for each $1,000 borrowed at 7.40% APR.
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