Rates Effective November 21, 2022
  • 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
    12 Month Certificate 2.60% 2.63%
    24 Month Certificate 2.70% 2.73%
    36 Month Certificate 3.05% 3.09%
    48 Month Certificate 3.25% 3.29%
    60 Month Certificate 3.75% 3.80%
    84 Month Certificate1,2 4.00% 4.06%
    84 Month Loyalty Certificate1,3 4.25% 4.32%
    Youth Certificate – 12 Months 2.60% 2.63%

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

    The dividend rate and APY and 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 met4, 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
    12 Month IRA 2.95% 2.98%
    24 Month IRA 3.05% 3.09%
    36 Month IRA 3.40% 3.44%
    48 Month IRA 3.60% 3.65%
    60 Month IRA 4.10% 4.16%
    84 Month IRA1,2 4.35% 4.42%
    84 Month Loyalty IRA1,3 4.60% 4.68%

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

    The dividend rate and APY and 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.

    2 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.
    3 When qualifications are met4, 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.
    4 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
    Variable Rate IRA Savings4 1.00% 1.00%

    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
    Checking Account 0.00% 0.00%
    Fresh Start Checking Account 0.00% 0.00%

    $0 minimum deposit for our Checking Account.

  • Savings Accounts

      Dividend Rate Annual Percentage Yield
    Savings Account
    $5 Minimum
    0.25% 0.25%
    Loyalty Select5
    $0 Minimum
    3.50% 3.56%
    Christmas Club
    $0 Minimum
    0.25% 0.25%
    Money Market Plus6
    $1,000 - $24,999
    $1,000 Minimum
    1.00% 1.00%
    Money Market Plus6
    $25,000 - $49,999
    $25,000 Minimum
    1.10% 1.11%
    Money Market Plus6
    $50,000 or more
    $50,000 Minimum
    1.25% 1.26%

    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 This account is not considered a transaction account. We may limit automatic transfers, checks and drafts to six each month. There is no limit to the number of over the counter or ATM transactions you can make on this account.

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.