Dividend Rates Earn more and save more with our high dividend rates.

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

Open your Certificate

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.
⁴ SmartStart Certificate available to a minor, age 17 and under, with an owner who has reached the age of majority under state law. Deposits can be made at any time.

To open an IRA, visit an office near you.

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. All deposits into an IRA Certificate are subject to the IRS contribution limits.

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.

To open an IRA, visit an office near you.

 ⁵ Dividend rates may change after the account is opened. Fees could reduce earnings.

⁶ SmartStart Account available to a minor, age 17 and under, with an owner who has reached the age of majority under state law.
⁷ The Fresh Start Checking Account is available to members that have repaid Founders Federal Credit Union for a prior loss related to a savings, checking, or loan product, or had a checking account closed due to activity such as a forgery, fraud or unauthorized use reported or committed involving their account, negligence in protecting access devices or access codes, excessive overdrafts, or NSF fees.

⁶ SmartStart Account available to a minor, age 17 and under, with an owner who has reached the age of majority under state law.
⁸ Deposits can only be made by FFCU through member 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. All members and account types may not be eligible for a Loyalty Select account. Click here for full terms and conditions.
⁹ 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.