What are the current interest rates at Founders Federal Credit Union?

Current rates for Founders Federal Credit Union include: 12-Month CD: 3.80%, 24-Month CD: 3.85%, 60-Month CD: 4.01%, Savings: 2.53%, MMA: 2.78%

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Founders Federal Credit Union

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Founders Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Founders Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Founders Federal Credit Union's top rates as of October 13, 2026 are 4.42% APY on its Fixed Rate IRA CDs - 15 Month CD, 2.53% APY on savings, 2.78% APY on money market accounts, 6.25% on its 7/1 Adjustable Rate Loan mortgage, personal loans from 11.50% APR, and credit cards from 12.75% APR, according to rates verified by MonitorBankRates. Other Founders Federal Credit Union CD rates include Fixed Rate IRA CDs - 60 Month CD at 4.27%, Fixed Rate IRA CDs - 48 Month CD at 4.22%, and 15 Month CD at 4.16%. Other Founders Federal Credit Union mortgage rates include 15-Year Fixed at 6.25%, 15/15 Adjustable Rate Loan at 6.50%, and 20-Year Fixed at 6.75%. MonitorBankRates evaluates the financial stability of Founders Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 10/13/2026.

Founders Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Founders Federal Credit Union? Share your experience about Founders Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Founders Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.58%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Founders Federal Credit Union
Corporate Office

737 Plantation Rd
Lancaster, SC 29720

https://www.foundersfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Founders Federal Credit Union CD Rates

Product	Rate	APY	Term
Fixed Rate IRA Certificates - 15 Month Certificate	4.35%	4.42%	15 months
Min Deposit $500 Details Dividends compounded & credited quarterly; dividend period quarterly; renews into 12 Month IRA Savings Certificate at maturity unless changed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.42% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 60 Month Certificate	4.20%	4.27%	60 months
Min Deposit $500 Details Dividends compounded & credited quarterly; dividend period quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 48 Month Certificate	4.15%	4.22%	48 months
Min Deposit $500 Details Dividends compounded & credited quarterly; dividend period quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.22% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
15 Month Certificate	4.10%	4.16%	15 months
Min Deposit $500 Details Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly; If renewed at maturity, renews into a 12 Month Savings Certificate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.16% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 36 Month Certificate	4.10%	4.16%	36 months
Min Deposit $500 Details Dividends compounded & credited quarterly; dividend period quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 24 Month Certificate	4.05%	4.11%	24 months
Min Deposit $500 Details Dividends compounded & credited quarterly; dividend period quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 12 Month Certificate	4.00%	4.06%	12 months
Min Deposit $500 Details Dividends compounded & credited quarterly; dividend period quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
60 Month Certificate	3.95%	4.01%	60 months
Min Deposit $500 Details Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.27% → 4.01% ▼ 0.26 pts · high 4.27% / low 4.01% Oct 5, 20264.01%▼ from 4.27% Sep 14, 20264.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
48 Month Certificate	3.90%	3.96%	48 months
Min Deposit $500 Details Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.22% → 3.96% ▼ 0.26 pts · high 4.22% / low 3.96% Oct 5, 20263.96%▼ from 4.22% Sep 14, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
36 Month Certificate	3.85%	3.91%	36 months
Min Deposit $500 Details Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.16% → 3.91% ▼ 0.25 pts · high 4.16% / low 3.91% Oct 5, 20263.91%▼ from 4.16% Sep 14, 20264.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
24 Month Certificate	3.80%	3.85%	24 months
Min Deposit $500 Details Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.11% → 3.85% ▼ 0.26 pts · high 4.11% / low 3.85% Oct 5, 20263.85%▼ from 4.11% Sep 14, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month Certificate	3.75%	3.80%	12 months
Min Deposit $500 Details Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 4.06% / low 3.80% Oct 5, 20263.80%▼ from 4.06% Sep 21, 20264.06%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
12 Month SmartStart	3.75%	3.80%	12 months
Min Deposit $100 Details Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly; SmartStart Certificate available to a minor, age 17 and under, with an owner who has reached the age of majority under state law; deposits can be made at any time Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Founders Federal Credit Union Savings Rates

Product	Rate	APY
Variable Rate IRA Savings	2.50%	2.53%
Min Deposit $500 Details IRA account; Dividends compounded and credited monthly; Dividend period monthly; Dividend rates may change after the account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Christmas Club/Other Savings	0.10%	0.10%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Regular Savings Account	0.10%	0.10%
Min Deposit $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
SmartStart Savings	0.10%	0.10%
Min Deposit $5 Details SmartStart Account available to a minor, age 17 and under, with an owner who has reached the age of majority under state law. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Founders Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	2.75%	2.78%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 or more; Minimum balance of $1,000.00 required to earn the current dividend rate. If the balance falls below this amount, the regular savings dividend rate will apply. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.78% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Money Market Plus	2.50%	2.53%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Minimum balance of $1,000.00 required to earn the current dividend rate. If the balance falls below this amount, the regular savings dividend rate will apply. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Money Market Plus	2.00%	2.02%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum balance of $1,000.00 required to earn the current dividend rate. If the balance falls below this amount, the regular savings dividend rate will apply. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Money Market Plus	1.50%	1.51%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $49,999; Minimum balance of $1,000.00 required to earn the current dividend rate. If the balance falls below this amount, the regular savings dividend rate will apply. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Founders Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
7/1 Adjustable Rate Loan	6.25%	1%	6.421%
Details LTV: Up to 90%; Payment: $923.95; Payment at Max Interest Rate: In 10th year $1,414.23; PMI: No Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 6.26% → 6.42% ▲ 0.16 pts · high 6.42% / low 6.26% Oct 13, 20266.42%▲ from 6.26%* Sep 18, 20266.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
15-Year Fixed	6.25%	1%	6.534%
Details LTV: Up to 90%; Payment: $1,286.42; PMI: No Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 6.24% → 6.53% ▲ 0.29 pts · high 6.53% / low 6.24% Oct 13, 20266.53%▲ from 6.24%* Sep 18, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
15/15 Adjustable Rate Loan	6.50%	1%	6.647%
Details LTV: Up to 90%; Payment*: $948.49; Payment at Max Interest Rate: In 16th year $1,342.20; PMI: No Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
20-Year Fixed	6.75%	1%	6.981%
Details LTV: Up to 90%; Payment: $1,140.89; PMI: No Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 6.69% → 6.98% ▲ 0.29 pts · high 6.98% / low 6.69% Oct 13, 20266.98%▲ from 6.69%* Sep 18, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
30-Year Fixed	7.00%	1%	7.179%
Details LTV: Up to 80%; Payment: $998.46; PMI: No Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.05% → 7.18% ▲ 0.13 pts · high 7.18% / low 7.05% Oct 13, 20267.18%▲ from 7.05%* Sep 18, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
7/1 Adjustable First Time Homebuyer Loan	7.50%	0%	7.519%
Details LTV: Up to 100%; Payment: $1,049.28; Payment at Max Interest Rate: In 10th year $1,572.91; PMI: No; First Time Homebuyer program Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.39% → 7.52% ▲ 0.13 pts · high 7.52% / low 7.39% Oct 13, 20267.52%▲ from 7.39%* Sep 18, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Founders Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans	-	-	4.50%
Details As Low As; Homepage rate summary: Auto Loans as low as 4.50% APR* Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.50%▲ from 4.25% Sep 18, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Auto	-	-	4.50%
Details Published APR range: 4.50% - 17.75%. Fixed APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Auto	-	-	5.50%
Details Published APR range: 5.50% - 17.75%. Fixed APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25% Oct 13, 20265.50%▲ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Founders Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Boat, Motor, Trailer Loan	-	7.50%
Details Published APR range: 7.50% - 18.00%. Fixed APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 13, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Camper or Motorcycle Loan	-	7.50%
Details Published APR range: 7.50% - 18.00%. Fixed APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 13, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New or Used Motor Home Loan	-	7.50%
Details Published APR range: 7.50% - 18.00%. Fixed APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 13, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Boat, Motor, Trailer Loan	-	8.00%
Details Published APR range: 8.00% - 18.00%. Fixed APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 13, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Used Camper or Motorcycle Loan	-	8.00%
Details Published APR range: 8.00% - 18.00%. Fixed APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 13, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Founders Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Cards	-	12.75%
Details As Low As; Homepage rate summary: Credit Cards as low as 12.75% APR* Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50% Oct 5, 202612.75%▲ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Mastercard Essential Credit Card	-	12.75%
Details Published APR range: 12.75% - 17.90%. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50% Oct 5, 202612.75%▲ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Mastercard Life Rewards Credit Card	-	14.75%
Details Published APR range: 14.75% - 17.90%. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.50% → 14.75% ▲ 0.25 pts · high 14.75% / low 14.50% Oct 5, 202614.75%▲ from 14.50% Sep 14, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Mastercard Extra World Credit Card	-	16.75%
Details Published APR range: 16.75% - 17.90%. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 16.50% → 16.75% ▲ 0.25 pts · high 16.75% / low 16.50% Oct 5, 202616.75%▲ from 16.50% Sep 14, 202616.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Founders Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	11.50%
Details Published APR range: 11.50% - 18.00%. Fixed APR Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Personal Loan	11.50%
Details Published APR range: 11.50% - 18.00%. Fixed APR Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Founders Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Double Wide Mobile Home Loan	8.25%	1%	8.414%
Details LTV: Up to 90%; Payment*: $1,127.56; Payment at Max Interest Rate: In 4th year $1,762.51; PMI: No Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.41% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Educational Loan	-	-	11.50%
Details Published APR range: 11.50% - 18.00%. Fixed APR Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
IRAs	-	-	4.42%
Details Featured rate: as high as 4.42% APY Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 4.42% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Loyalty Select	4.00%	-	4.07%
Details Deposits can only be made by FFCU through member qualifying or enrolling in a Loyalty Select Account Program. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Loyalty Select	-	-	4.07%
Details Featured homepage rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Founders Federal Credit Union’s Texas Ratio stayed near 3.25% in Q3 2023 to 3.58% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.2B	3.58%	5.0	A+
March 31, 2026	$5.2B	3.68%	5.0	A+
December 31, 2025	$5.1B	4.83%	5.0	A+
September 30, 2025	$5.0B	4.16%	5.0	A+
June 30, 2025	$4.9B	3.81%	5.0	A+
March 31, 2025	$4.9B	3.72%	5.0	A+
December 31, 2024	$4.8B	4.20%	5.0	A+
September 30, 2024	$4.8B	4.31%	5.0	A+
June 30, 2024	$4.8B	3.96%	5.0	A+
March 31, 2024	$4.7B	3.46%	5.0	A+
December 31, 2023	$4.5B	3.91%	5.0	A+
September 30, 2023	$4.3B	3.25%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Founders Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Founders Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Founders Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Founders Federal Credit Union

Website https://www.foundersfcu.com

Address 737 Plantation Rd, Lancaster, SC 29720

Phone 800-845-1614

Fax 803-289-5936

President Ron Gray

CEO Bruce Brumfield

Full-Time Employees 866

Part-Time Employees 36

Branch Locations 47

ATM Locations 44

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.58%

Return on Assets (ROA)

0.7125%

Return on Equity (ROE)

5.2328%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

5,204,640,083

Total Amount of Shares and Deposits

4,419,926,104

Total Shares and Deposits < 1 Year

4,014,751,250

Total Shares and Deposits 1 3 Years

247,105,768

Total Shares and Deposits > 3 Years

158,069,086

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

504,624,953

Total Uninsured Shares and Deposits > $250K (F+J)

505,555,907

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,914,370,197

Total Interest Expense (Sum of items 6 8)

48,705,806

Share Certificates

35,133

Number of Accounts for Share Drafts

208,341

IRA KEOGH Accounts

10,660

Number of Accounts for Regular Shares

326,780

All other shares

171,829

Non Member Deposits

Money Market Shares

25,247

Net Income (unless the amount is already included in Undivided Earnings)

37,084,372

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

401,489,175

Total Liabilities

4,502,323,374

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Founders Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Founders Federal Credit Union

How many branches does Founders Federal Credit Union operate?

Founders Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Founders Federal Credit Union?

Yes, to access services at Founders Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Founders Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Founders Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Founders Federal Credit Union offer online and mobile banking?

Most modern institutions like Founders Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.foundersfcu.com.

Current Founders Federal Credit Union Rates

12-Month CD3.80%
24-Month CD3.85%
60-Month CD4.01%
Savings2.53%
MMA2.78%

Retrieved from our database of financial products. Rates subject to change.

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Founders Federal Credit Union Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About Founders Federal Credit Union

How many branches does Founders Federal Credit Union operate?

Is a member application needed to join Founders Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Founders Federal Credit Union offer online and mobile banking?

Current Founders Federal Credit Union Rates

Compare to Other Credit Unions