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Merger

We’re excited to welcome the members of VITAL Federal Credit Union! 

VITAL FCU Logo Icon

This merger reflects our shared commitment to putting members first. We’re honored to continue serving VITAL members with the same personalized care you’ve come to expect, now with expanded resources, enhanced services and greater convenience. We understand you may have questions, and we’re here to help. Below are important dates for you to know as well as answers to some of the most common questions about your transition to Founders. 

If you have any questions, or if there is anything we can do to assist you with the transition to Founders, please call Member Care at 800-845-1614.

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  • A Message to VITAL's Members

    For over 70 years, Founders Federal Credit Union has helped members achieve financial success and security. Like VITAL, we began with a strong community focus – founded in 1950 to serve the employees of Springs Industries. 

    Today, we serve over 297,000 members, operate 49 offices and manage more than $5 billion in assets. While we’ve grown, our mission remains the same: to put every member first and build lifelong relationships based on trust. 

    We’re proud to offer you: 

    • A wide range of affordable, high-quality financial services
    • Personalized member support
    • Cutting-edge digital tools like Founders Online and the Founders App
    • A commitment to helping you reach your financial goals 

    We’re thrilled to have you with us! If you have any questions, or if there is anything we can do to assist you with the transition to Founders, please call Member Care at 800-845-1614.

  • Important! Merger Weekend Preparedness

    Please be mindful of the following: 

    • Please consider having cash or other payment methods available before Friday, September 12, 2025, for use during the transition weekend.
    • VITAL Debit and Credit Cards will not work after 4 am on Friday, September 12, 2025.
    • VITAL CAT (automated teller) system will be turned off on Friday, September 12, 2025.
    • VITAL Online Banking access will be removed on Friday, September 12, 2025.
    • VITAL’s office will close on Friday, September 12, 2025.
    • VITAL members will have access to Founders Online on Monday, September 15, 2025.

  • Merger FAQs

    When is the merger happening? 

    VITAL will merge with Founders on September 12, 2025. The VITAL office will close on Friday, September 12, 2025, and reopen as Founders on Monday, September 15, 2025. 

    Will VITAL change its name as a result of the merger? 

    Yes. VITAL Federal Credit Union will become Founders Federal Credit Union. 

    How will the merger affect my banking experience? 

    You’ll enjoy access to more office locations, expanded services and enhanced digital tools – all while continuing to receive the friendly, member-focused service you’re used to. Explore our website to learn more about the products and services we offer our members. 

    Can I bank online? 

    Yes, absolutely. Founders Online and the Founders App offer secure, convenient ways to manage your accounts and apply for loans. To learn more and download the Founders App, visit foundersfcu.com/founders-online. 

    Will the former VITAL office remain open? 

    Yes. The VITAL office at 1450 John B White Sr Blvd, Spartanburg, SC 29306 will remain open as part of our network of 46 locations across the Carolinas, including eight offices in Spartanburg County. 

    When can I start using other Founders offices? 

    You can use any Founders office location beginning September 15, 2025. 

    What ATMs can I use? 

    As a member of Founders, you will have access to all Founders ATMs, plus a network of 30,000+ surcharge-free ATMs nationwide. To see our ATM locations, visit foundersfcu.com/locations. 

    What happens to the VITAL staff? 

    Current VITAL employees eligible for employment with Founders will be offered positions with Founders. 

    What happens to my accounts? 

    Your account balances will automatically transfer on the merger date with little or no inconvenience to you. 

    What if I already have an account at Founders? 

    Your account at VITAL will become an account at Founders. The accounts will remain separate. 

    What’s next? 

    Before and after the merger, you will receive communication by mail and email regarding any changes pertaining to accounts, products or services affected by the transition.

Auto Loans

as low as

4.50
% APR*

Mortgage Loans

as low as

6.421
% APR*

Credit Cards

as low as

12.75
% APR*

Certificates

as high as

4.52
% APY