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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.

Savings Account

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

Money Market Plus

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

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.

IRAs

Founders offers three types of IRAs:

  • Traditional IRA
  • Roth IRA
  • Coverdell Education Savings Account

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.

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
  • Free Bill Pay and Popmoney
  • Call 24
  • Network of over 30,000 surcharge-free ATMs5
  • ATM Check Deposit available at select locations

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 any time by writing a check, calling for an advance or making a transfer with Founders Online or Founders Mobile.

Auto Loans

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

Mortgage Loans6

Founders offers fixed and adjustable rate loans, 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.

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.

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.

Founders Loyalty Dividend

Founders Loyalty Dividend7 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 Dividend.

Daniel the Spaniel Club©

The Daniel the Spaniel Club© teaches kids (from birth through age 11) the value of money, helping them build their own Savings Account through special promotions and activities.

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 eStatements2 with no minimum balance, a free box of Founders exclusive design checks and a free Visa Debit Card.

Springtimers Club

The Springtimers Club is for any member age 60 or older who has either Direct Deposit or an active Checking Account. Springtimers Club members enjoy:

  • Free Checking with eStatements2 and free Founders exclusive design checks8
  • Free Direct Deposit and Payroll Deduction
  • Free Stop Payments
  • Free domestic outgoing Wire Transfers
  • Free Official Checks
  • Free periodic newsletter
  • Free initial setup on Visa Prepaid Cards9

Investment Services10

We have a team of dedicated Financial Advisors that are 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 1-866-739-7064 or visit your nearest Founders office to reserve your appointment. Our financial advisors will meet you at any Founders office.

Insurance Services11

Our agents are well trained and experienced in Life, Health, Home 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. Call 1-855-385-7977 to speak with a Founders Insurance agent.

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 Only members in good standing with a Checking Account that meet certain eligibility requirements qualify for this service. Business, club, trust, custodial and other fiduciary accounts are not 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 Dividend based on various factors including dividends earned, finance charges paid, and product usage. Loyalty Dividends 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 Free Founders Exclusive Design checks limited to 4 boxes per calendar year.
9 Excludes Global Prepaid Card.
10 Registered representative of and securities and investment advisory services offered through Cetera Advisor Networks LLC, Member FINRA/SIPC - Founders Federal Credit Union, Founders Financial Group, LLC and Founders Insurance Services are not affiliated with Cetera Advisor Networks. Investment Services is a department of Founders Federal Credit Union. Registered Sales Branch located at 607 North Main Street, Lancaster, SC 29720.
Not NCUA Insured - No Credit Union Guarantee - May Lose Value - Not Deposits - Not Insured by any Federal Government Agency.
11 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.

Auto Loans as low as*

1.90%
APR

Credit Cards as low as*

8.35%
APR

Personal Loans as low as*

7.90%
APR

HELOC as low as*

4.00%
APR

Rates, terms & conditions

 

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