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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Founders Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Founders Federal Credit Union's 84 Month Loyalty Fixed Rate IRA CDs rates are at 4.32%, 60 Month Fixed Rate IRA CDs rates are at 4.22%, 48 Month Fixed Rate IRA CDs rates are at 4.11%, 84 Month Fixed Rate IRA CDs rates are at 4.06%, 84 Month Loyalty CD rates are at 4.06%. Founders Federal Credit Union's savings rates are at 0.10%. Founders Federal Credit Union's money market rates are at 1.51%. Founders Federal Credit Union's 15-Year Fixed rates are at 5.50%, 7/1 Adjustable Rate rates are at 5.62%, 15/15 Adjustable Rate rates are at 6.00%, 20-Year Fixed rates are at 6.00%, 30-Year Fixed rates are at 6.25%. Founders Federal Credit Union's Personal Loan Rates are at 11.40%. 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 4.65%. Rates were last updated on 04/18/2026. 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. Founders Federal Credit Union
Corporate Office 737 Plantation Rd
https://www.foundersfcu.com Lancaster, SC 29720 
Founders Federal Credit Union CD Rates
Founders Federal Credit Union Savings Rates
Founders Federal Credit Union Money Market Rates
Founders Federal Credit Union Checking Rates
Founders Federal Credit Union Mortgage Rates
Founders Federal Credit Union Home Equity & HELOC
Founders Federal Credit Union Auto Loan Rates
Founders Federal Credit Union Credit Card Rates
Founders Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
Roy Hunt
CEO
Bruce Brumfield
Full-Time Employees
875
Part-Time Employees
19
Branch Locations
48
ATM Locations
46
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.65%
Return on Assets (ROA)
0.9831%
Return on Equity (ROE)
7.3969%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
4,986,168,116
Total Amount of Shares and Deposits
4,242,052,427
Total Shares and Deposits < 1 Year
3,668,926,872
Total Shares and Deposits 1 3 Years
456,015,118
Total Shares and Deposits > 3 Years
117,110,437
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
467,504,901
Total Uninsured Shares and Deposits > $250K (F+J)
467,504,901
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,774,547,526
Total Interest Expense (Sum of items 6 8)
77,815,940
Share Certificates
34,910
Number of Accounts for Share Drafts
202,252
IRA KEOGH Accounts
10,849
Number of Accounts for Regular Shares
318,665
All other shares
173,609
Non Member Deposits
4
Money Market Shares
23,634
Net Income (unless the amount is already included in Undivided Earnings)
49,017,368
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
429,820,356
Total Liabilities
4,333,211,189
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Founders Federal Credit UnionIs Founders Federal Credit Union a safe place to deposit money?Yes, Founders Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.6482674863339%, 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 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
Retrieved from our database of financial products. Rates subject to change.
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