Rates Effective October 1, 2023

  • Fixed Rate Certificates

    To open a certificate, you can apply within Founders Online or at an office near you.

    Open your Certificate

      Dividend Rate

    Annual Percentage Yield (APY)

    		 Dividends Compounded Credited Dividend Period
    12 Month Certificate 4.75% 4.84%  Quarterly Quarterly
    24 Month Certificate 5.00% 5.09%  Quarterly Quarterly
    36 Month Certificate 5.35% 5.46%  Quarterly Quarterly
    48 Month Certificate 3.75% 3.80%  Quarterly Quarterly
    60 Month Certificate 3.50% 3.55%  Quarterly Quarterly
    84 Month Certificate1,2 3.00% 3.03%  Quarterly Quarterly
    84 Month Loyalty Certificate1,3 3.25% 3.29%  Quarterly Quarterly
    Youth Certificate – 12 Months 4.00% 4.06%  Quarterly Quarterly

     

    * Minimum balance required to open and earn the APY is $500. The dividends are credited and compounded according to the certificates and IRA certificates listed. Rates, terms and conditions are subject to change without notice. After your fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees could reduce earnings.

    1 Allowed a one-time dividend rate upgrade request during the original term. At the time of request, the dividend rate will be increased to the dividend rate offered at that time for the same product and term and will be fixed until the original certificate maturity date.
    2 When qualifications are met, you may use the one-time upgrade request to convert your 84-month certificate product into an 84-month Loyalty certificate product, which will follow the same upgrade terms listed above.
    3 To qualify, you must have a checking account opened at least six (6) months with a minimum of ten (10) member-initiated transactions within the past sixty (60) days and must already have one of the following FFCU products: a credit card, loan, certificate or IRA.

  • Fixed Rate IRA Certificates

    To open an IRA, visit an office near you.

      Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Credited Dividend Period
    12 Month IRA 5.00% 5.09%  Quarterly Quarterly
    24 Month IRA 5.25% 5.35%  Quarterly Quarterly
    36 Month IRA 5.60% 5.72%  Quarterly Quarterly
    48 Month IRA 4.00% 4.06%  Quarterly Quarterly
    60 Month IRA 3.75% 3.80%  Quarterly Quarterly
    84 Month IRA1,2 3.25% 3.29%  Quarterly Quarterly
    84 Month Loyalty IRA1,3 3.50% 3.55%  Quarterly Quarterly

    Minimum balance required to open and earn the APY is $500.

    The dividends are credited and compounded according to the certificates and IRA certificates listed. Rates, terms and conditions are subject to change without notice. After your fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees could reduce earnings.

    1 Allowed a one-time dividend rate upgrade request during the original term. At the time of request, the dividend rate will be increased to the dividend rate offered at that time for the same product and term and will be fixed until the original IRA maturity date.
    2 When qualifications are met, you may use the one-time upgrade request to convert your 84-month IRA product into an 84-month Loyalty IRA product, which will follow the same upgrade terms listed above.
    3 To qualify, you must have a checking account opened at least six (6) months with a minimum of ten (10) member-initiated transactions within the past sixty (60) days and must already have one of the following FFCU products: a credit card, loan, certificate or IRA.

  • Variable Rate IRA Savings

    To open an IRA, visit an office near you.

      Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Credited Dividend Period
    Variable Rate IRA Savings4 1.00% 1.00%  Monthly Monthly

    Minimum balance required to open and earn the APY is $500.

    4 Dividend rates may change after the account is opened. Fees could reduce earnings.

  • Checking Account
      Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Credited Dividend Period
    Checking Account 0.00% 0.00%  N/A N/A
    Fresh Start Checking Account 0.00% 0.00%  N/A N/A

    $0 minimum deposit for our Checking Account.

  • Savings Accounts
      Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Credited Dividend Period
    Savings Account
    $5 Minimum    		 0.25% 0.25% Monthly Monthly
    Loyalty Select5
    $0 Minimum    		 4.00% 4.07% Monthly Monthly
    Christmas Club
    $0 Minimum    		 0.25% 0.25% Monthly Monthly
    Money Market Plus6
    $1,000 - $49,999
    $1,000 Minimum    		 1.75% 1.76% Monthly Monthly
    Money Market Plus6
    $50,000 - $99,999
    $50,000 Minimum    		 2.00% 2.02% Monthly Monthly
    Money Market Plus6
    $100,000 or more
    $100,000 Minimum    		 2.50% 2.53%  Monthly Monthly

    Minimum balance required to open and earn the APY is listed above.

    5 Deposits can only be made by FFCU through qualifying or enrolling in a Loyalty Select Account Program. Members will be responsible for any associated tax liability and may receive a 1099-MISC and a 1099-INT as applicable. Click here for full terms and conditions.

    6 Minimum balance of $1,000.00 required to earn the current dividend rate. If the balance falls below this amount, the regular savings dividend rate will apply.

The Par Value of a Membership is $5.00.

Swipe the chart below to see more information.

  Dividends Compounded Dividends Credited Dividend Period
Savings Account Monthly Monthly Monthly
Loyalty Select Monthly Monthly Monthly
Money Market Plus Monthly Monthly Monthly
Christmas Club Monthly Monthly Monthly
Checking Account Monthly Monthly Monthly
Fixed Rate Certificates and IRA Certificates Quarterly Quarterly Quarterly
Variable Rate IRA Savings Monthly Monthly Monthly
Youth Certificate Quarterly Quarterly Quarterly

Click here to view our Fee Schedule.