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Foundation Credit Union

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Foundation Credit Union Rates & Review September 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 and Verified: September 23, 2026

Foundation Credit Union's Auto Loan Rates are as low as 4.24%. 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 0.80%. Rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

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	View More
Auto Loans	-	-	4.24%
Details AS LOW AS; Rates as low as shown, subject to change. Subject to creditworthiness. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Foundation Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boat & RV Loans	-	6.24%
Details AS LOW AS; Rates as low as shown, subject to change. Subject to creditworthiness. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Foundation Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Agricultural Equipment Financing	-	-	6.24%
Details As Low As; Rates are subject to change. Contact us for current rates and terms tailored to your situation. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

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

Foundation Credit Union’s Texas Ratio stayed near 1.00% in Q2 2023 to 0.80% in Q1 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$75M	0.80%	5.0	A+
December 31, 2025	$71M	3.40%	5.0	A+
September 30, 2025	$69M	3.62%	5.0	A+
June 30, 2025	$71M	1.67%	5.0	A+
March 31, 2025	$69M	1.34%	5.0	A+
December 31, 2024	$68M	2.48%	5.0	A+
September 30, 2024	$68M	10.19%	5.0	A
June 30, 2024	$69M	2.27%	5.0	A+
March 31, 2024	$70M	1.68%	5.0	A+
December 31, 2023	$72M	5.71%	5.0	A+
September 30, 2023	$73M	7.17%	5.0	A
June 30, 2023	$72M	1.00%	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 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 James Arnott

CEO Stephanie Thomas

Full-Time Employees 13

Part-Time Employees 2

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+ (100/100)

Texas Ratio

0.80%

Return on Assets (ROA)

0.1936%

Return on Equity (ROE)

1.3273%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

74,611,372

Total Amount of Shares and Deposits

63,272,636

Total Shares and Deposits < 1 Year

61,855,808

Total Shares and Deposits 1 3 Years

576,817

Total Shares and Deposits > 3 Years

840,011

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

4,308,355

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

4,308,355

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

58,964,281

Total Interest Expense (Sum of items 6 8)

333,998

Share Certificates

634

Number of Accounts for Share Drafts

967

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,323

Money Market Shares

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)

7,210,190

Total Liabilities

63,725,589

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Foundation Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Foundation Credit Union

Frequently Asked Questions About Foundation Credit Union

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/.