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Foundation Credit Union

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Foundation Credit Union Rates & Review April 2026

Q: How many branches does Foundation Credit Union operate?

Foundation 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.

Q: Is a member application needed to join Foundation Credit Union?

Yes, to access services at Foundation 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Foundation 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: April 14, 2026

Foundation Credit Union's Personal Loan Rates are at 5.49%. MonitorBankRates evaluates the financial stability of Foundation Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.69%. Rates were last updated on 04/14/2026.

Foundation 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 Foundation Credit Union? Share your experience about Foundation Credit Union by leaving a review below, or read customer reviews before you decide to use Foundation Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.69%

Excellent Lower than avg

Foundation Credit Union
Foundation Credit Union

1726 W Elfindale St
Springfield, MO 65807 1289

https://foundationcreditunion.com/

Foundation Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Spring Auto Loan Specials	-	-	5.49%	72
Details New Purchase or Refinance; Credit Score of 700+; Loans must be new to Foundation Credit Union. Vehicle must be 2018 or newer. Promotion cannot be combined with other offers. Loans are subject to creditworthiness. Rates are subject to change. Member must be in good standing. Credit Union membership required. Offer subject to change or could be cancelled at anytime. Offer good through 5/31/25. Other Terms and Conditions may apply. Last Updated 04/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Spring Auto Loan Specials	-	-	5.99%	72
Details New Purchase or Refinance; Credit Score of 670-699; Loans must be new to Foundation Credit Union. Vehicle must be 2018 or newer. Promotion cannot be combined with other offers. Loans are subject to creditworthiness. Rates are subject to change. Member must be in good standing. Credit Union membership required. Offer subject to change or could be cancelled at anytime. Offer good through 5/31/25. Other Terms and Conditions may apply. Last Updated 04/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Foundation 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 Foundation 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 Foundation Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Foundation Credit Union

Website https://foundationcreditunion.com/

Address 1726 W Elfindale St, Springfield, MO 65807 1289

Phone 417-895-2770

Fax 417-895-2772

President Arnott James

CEO Stephanie Thomas

Full-Time Employees 12

Part-Time Employees 3

Branch Locations 2

ATM Locations 0

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

3.69%

Return on Assets (ROA)

0.3120%

Return on Equity (ROE)

2.0259%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

69,178,530

Total Amount of Shares and Deposits

57,688,370

Total Shares and Deposits < 1 Year

54,843,994

Total Shares and Deposits 1 3 Years

2,024,378

Total Shares and Deposits > 3 Years

820,000

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

8,913,790

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

8,913,790

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

48,774,580

Total Interest Expense (Sum of items 6 8)

970,959

Share Certificates

649

Number of Accounts for Share Drafts

910

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,346

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,339,298

Total Liabilities

58,539,203

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Foundation Credit Union

Is Foundation Credit Union a safe place to deposit money?

Yes, Foundation Credit Union is considered a safe financial institution. With a Texas Ratio of 3.6922376345713%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Foundation Credit Union operate?

Foundation 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 Foundation Credit Union?

Yes, to access services at Foundation 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, Foundation 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, Foundation Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Foundation Credit Union offer online and mobile banking?

Most modern institutions like Foundation 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://foundationcreditunion.com/.