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Routing #: 253279439

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Overdraft Protection

Relax ... with worry-free Checking.

We understand there are times your Checking Account may accidentally be out of balance, and that’s why we offer several overdraft protection options for your account.

  • Savings Account

    When your Savings Account is linked to your Checking Account, money will automatically move to your Checking Account to pay for overdrafts, as long as funds are available.

    This overdraft protection is free of charge, however, federal regulations limit this to 6 uses a month in combination with other transfers including transfers initiated by Founders Online or Call 24.

  • Personal Line of Credit

    Link your Checking Account to your Personal Line of Credit and overdrafts are covered up to your Personal Line of Credit limit. Interest is only charged when you use your line of credit and the exact amount needed to cover your overdrafts is transferred rather than a larger minimum amount.

  • Money Market Plus

    With overdraft protection through a Money Market Plus account, money automatically moves to your Checking Account for overdrafts as long as funds are available.

    This overdraft protection is free of charge, however, federal regulations limit this to 6 uses a month in combination with other transfers including transfers initiated by Founders Online or Call 24.

1 This account is not considered a transaction account. Federal regulations 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. APY is Annual Percentage Yield.

Auto Loans

as low as

1.99
%
APR*

Mortgage Loans

as low as

2.59
%
APR*

Credit Cards

as low as

7.85
%
APR*

Certificates

as high as

1.76
%
APY*

Apply for an Auto Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Auto Loan.

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NON-MEMBERS: Please complete our Auto Loan Application and Membership Application.

Apply for a Deposit Account!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Deposit Account.

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NON-MEMBERS: Please complete our Deposit Application and Membership Application.

Apply for a Credit Card!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card.

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NON-MEMBERS: Please complete our Credit Card Application and Membership Application.

Apply for a Personal Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Personal Loan.

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NON-MEMBERS: Please complete our Loan Application and Membership Application.

Apply for a Deposit Account!

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Deposit Account.

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NON-MEMBERS: Please complete our Deposit Application and Membership Application.

Apply for a Personal Line of Credit!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Personal Loan.

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NON-MEMBERS: Please complete our Line of Credit Application and Membership Application.

Founders Locations Search

Looking for a Founders location near you? Search for any of our Founders offices, ATMs and surcharge-free ATMs below!

 

Apply for a Recreational Vehicle Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Auto Loan.

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NON-MEMBERS: Please complete our Auto Loan Application and Membership Application.

Our Online Applications are currently unavailable due to a full system technology upgrade. Please check back on Monday, July 13 to start your application. Thank you for your interest in applying for a Loan or Deposit Account with Founders Federal Credit Union!

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Founders’ involvement in the community spans across many different needs. Many Founders employees are experts in financial topics and are available to speak at your events.

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Please do not include or request personal account information on this form. If you need assistance with personal account information, please send a secure message via the Messages tab within Founders Online, or call 1-800-845-1614.

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Our goal is to ensure everyone is able to access the information on our website no matter what device or type of device you may be using. If you are utilizing assistive technology or a screen reader to view the information on our website and experienced an error, please click here to notify us of the accessibility issue.

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Financial Wellness

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Ask your question in the fields below and we will contact you with information. Please do not send specific account information through this form.