Accessibility

Relax, joining Founders is easy.

All it takes is a $5 deposit and it’s one of the smartest financial moves you can make. Once you’re a member, you will be eligible for an outstanding array of financial products and services.

Click Here to Become A Member Click Here to Become A Member

Savings Account

Your Savings Account1 serves as your primary account, and a $5 deposit must be maintained.

Click Here to Become A Member and Open A Savings Account Click Here to Become A Member and Open a Savings Account

Current Founders members should apply for secondary Savings Accounts within Founders Online.

Money Market Plus

With Money Market Plus, you earn higher dividends on balances. Plus, you have convenient access to your money through Founders Online, Money Market Plus checks, Call 24 or unlimited over-the-counter withdrawals.

Click Here to Become A Member and Open A Money Market Plus Account Click Here to Become A Member and Open a Money Market Plus Account

Current Founders members should apply for a Money Market Plus Account within Founders Online.

Free Checking with eStatements

With a Free Checking Account with eStatements,1,2 you’ll enjoy no minimum balance and receive dividends on balances. It also features convenient benefits such as online check ordering and a free Visa Debit Card.

Click Here to Become A Member and Open A Checking Account Click Here to Become A Member and Open a Checking Account

Current Founders members should apply for a Checking Account within Founders Online.

IRAs

Founders offers three types of IRAs:

  • Traditional IRA
  • Roth IRA
  • Coverdell Education Savings Account

Visit a Founders office near you to open for your IRA.

Founders Credit Card Collection3

Finding the perfect fit has never been easier! Our collection of Founders Credit Cards gives you the options you need and want when choosing a new credit card. Whether you are looking for a card with our lowest rate like our Preferred No Frills Visa Credit Card or a card with high rewards like our Visa Signature Credit Card, Founders has options that fit your lifestyle and card usage.

Click Here to Become A Member and Apply for a Credit Card

Click Here to Become A Member and Apply for a Credit Card

Current Founders members should apply for a Credit Card within Founders Online.

Online and Mobile Banking

  • Founders Online: Verify account balances, review transactions, view eStatements, transfer money between accounts, apply for a Loan or Credit Card and make payments
  • Founders App with Mobile Deposit4
  • View all your account information and Founders Credit Card information in one place
  • Free Bill Pay
  • Call 24
  • Block/Unblock your Founders Debit and/or Credit Card on demand
  • Perform all activities across all channels whether you are in the app, on a mobile browser or desktop browser
  • Network of over 30,000 surcharge-free ATMs5

Personal Line of Credit

Use a Personal Line of Credit6 when you need quick cash or as overdraft protection when linked directly to your Checking Account. Make purchases anytime by writing a check, calling for an advance or making a transfer within Founders Online.

Click here to become a member and apply for a Personal Line of Credit

Click here to become a member and Apply for a Personal Line of Credit

Current Founders members should apply for a Personal Line of Credit within Founders Online.

Auto Loans

Founders offers a variety of options for financing your new or used vehicle or refinancing your vehicle.6 Receive a preapproved spending limit by applying prior to visiting a dealership and take advantage of our competitive rates.

Click here to become a member and apply for an Auto Loan

Click here to become a member and apply for an Auto Loan

Current Founders members should apply for an Auto Loan within Founders Online.

Mortgage Loans6

Fixed and adjustable rate loans6 are offered, all with competitive rates and terms. Whether you’re planning to relocate, buy a larger house with more amenities, or just want to know how much home you can afford, Founders can help.

Click here to Apply for a Mortgage Loan

Click here to Apply for a Mortgage Loan

Home Equity Line of Credit

Founders Home Equity Line of Credit6 is a way to borrow against the equity you have in your home to make home improvements, pay college tuition, go on a dream vacation or consolidate debt. The loan is secured by equity in your home and can be used any time you need it, up to your approved credit limit.

Click here to apply for a Home Equity Line of Credit

Direct Deposit/Payroll Deduction

Deposit your funds directly into your account so you can relax knowing where your money is. Payroll Deduction offers an automatic deduction from your paycheck that goes directly into your account on payday.

Click here for more information about how to set up Direct Deposit or Payroll Deduction

Founders Loyalty Bonus

Founders Loyalty Bonus7 is a special dividend that rewards members for their loyalty to Founders. The more Founders products and services you use, the higher your dividend could be. Visit RelaxLoyaltyPays.com to estimate your Loyalty Bonus.

SmartStart Account

Our SmartStart Account has the tools to help young adults, ages 17-25, establish their finances. The SmartStart Account offers Free Checking with eStatements1,2 with no minimum balance and a free Visa Debit Card.

Click here to Open a SmartStart Account

Investment Services8

Investment Services at Founders Federal Credit Union is a dedicated team of Financial Advisors here to offer personalized guidance to help you reach your goals. Our Advisors take the time to understand your complete financial picture and will help maximize all elements of your financial planning, whether you need products for your retirement, college funding or other investment needs. Call 803-289-5249 or visit your nearest Founders office to reserve your appointment. Our Financial Advisors will meet you at any Founders office.

Insurance Services9

Our agents are well trained and experienced in Life, Health, Home, Pet and Auto Insurance products. We also offer Vision, Dental, Long Term Care, Accident and Critical Illness policies, as well as Medicare products to help you find the lowest rates and best plan for you. Founders Insurance Services also has a team to help guide and support businesses in creating Employee Benefits.

For Individual Insurance Benefits: 1-855-385-7977
For Employee Insurance Benefits: 1-844-879-3274

1  Requires credit evaluation. Teens under the age of 18 are required to have an adult signer as a joint owner.
2  Accounts without eStatements will be charged $2 for periodic statements by mail.
3  You must be 18 years or older to qualify. Qualifications for Founders Credit Cards are based on the credit union’s criteria, including applicant’s income and credit history. If you are approved for a Founders Credit Card, your assigned APR will come with your new card. Minimum credit limit for Preferred No Frills Visa is $500, Visa Signature is $5,000.
4  Not all account types are eligible for this service. Only members in good standing that have the option to deposit a check with in Founders Mobile App are eligible.
5  Surcharge fees may apply when a Founders Visa Debit or ATM Card is used outside of the CO-OP ATM network or at non-Founders owned ATMs.
6  You must be 18 years or older to qualify for a loan. Qualifications for a loan are based on the credit union’s criteria, including applicant’s income and credit history.
7  Loyalty Bonus based on various factors including dividends earned and finance charges paid. Loyalty Bonuses will be distributed to members in good standing and may not be distributed to accounts which have unpaid mortgage late fees, caused Founders a loss, or have been modified through troubled debt restructuring. A member in good standing must have an open account, at least $5.00 in a Founders Savings Account and have no charge-offs or delinquency.
8  Registered representative offering securities and investment advisory services through Cetera Advisor Networks LLC, Member FINRA/SIPC. Some advisory services offered through Carroll Financial Associates Inc., Founders Federal Credit Union and Cetera are not affiliated. Investment Services is a department of Founders Federal Credit Union. Registered Sales Branch located at 607 North Main Street, Lancaster, SC 29720. Branch Number: 803-289-5249

Not NCUA Insured - No Credit Union Guarantee - May Lose Value - Not Deposits - Not Insured by any Federal Government Agency.
9  These products offered through Founders Financial Group, LLC doing business as Founders Insurance Services. Insurance products not underwritten by Founders Financial Group, LLC or any affiliated company.

Not NCUA Insured - No Credit Union Guarantee - May Lose Value - Not Deposits - Not Insured by any Federal Government Agency.