South Carolina State Firefighters' Association Relax ... SCSFA members can join Founders!

¹ The Program is applicable to purchases or refinances, including those from a financial institution other than Founders Federal Credit Union, of first mortgage loans secured by your primary residence. Current Founders loan refinance eligible only if $50,000.00 or greater cash out. Offer, rates, terms and conditions vary depending on the type of loan, loan amount, loan to value ratio, credit evaluation and underwriting requirements. Founders will pay up to $4,000.00 in closing costs based on the following loan amounts: up to $1,000.00 on loans up to $199,999.00, up to $2,000.00 on loans $200,000.00 to $299,999.00, up to $3,000.00 on loans $300,000.00 to $399,999.00, and up to $4,000.00 on loans $400,000.00 and above. Closing costs that exceed the closing cost credit will be the responsibility of the member.

² You must be 18 years or older to qualify for a loan. Qualifications for auto loans are based on the Credit Union's criteria, including applicant's income and credit history.

³ New or used vehicle loans, are eligible collateral subject to Founders Federal Credit Union’s (FFCU) standard acceptable collateral guidelines. Interest rate reduction limited to a floor rate of 5.00% on new autos up to 84 months and used autos up to 72 months. A floor rate of 6.00% will apply to used autos financed between 73-84 months. Collateral must be currently financed in the member/borrower’s name with a financial institution other than FFCU. A current periodic statement or executed contract reflecting the existing loan in the borrower’s name with the current interest rate from the financial institution must be provided. Current vehicle registration required. Payment on existing loan must be current to qualify for interest rate reduction. Member must be in good standing with Founders to qualify, including no outstanding troubled loan modification, bankruptcies, unresolved returned checks, or unresolved title issues. Members thirty days or greater past due on any Founders loan are not eligible for the interest rate reduction. All financing subject to FFCU’s standard underwriting guidelines and credit evaluation. These terms are subject to change at the discretion of the Credit Union at any time without further notice.

⁴ Interest will accrue daily upon origination.

⁵ Requires credit evaluation. Members under the age of 18 are required to have an adult sign as joint owner. Accounts without eStatements will be charged $2 for periodic statements by mail. Free checking does not apply to Fresh Start Checking.

⁶ Receive your paycheck up to 2 days early with your eligible Prearranged Payment and Deposit (PPD) into your checking and/or savings account. Founders does not guarantee early posting.

⁷ 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. All members and account types may not be eligible for a Loyalty Select account. For a complete list of terms, conditions and qualifications, please call 800-845-1614 or go to foundersfcu.com/loyalty-products-terms-and-conditions.

⁸ Surcharge fees may apply when Founders Debit or ATM Card is used outside of the CO-OP ATM network or at foreign ATMs.

⁹ You must be 18 years or older to qualify. Qualifications for Founders Credit Cards are based on the Credit Union’s criteria, including applicant’s income and credit history. APRs will vary with the market based on the Prime rate. Rates, terms and conditions are determined by an evaluation of credit history and underwriting factors and are subject to change.

¹⁰ Institution NMLS Identifier Number: 410646. You must be 18 years or older to qualify for a Mortgage loan. Rates, terms and conditions vary depending on the type of loan, loan amount, loan to value ratio, credit evaluation and underwriting requirements.