Founders Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Founders Federal Credit Union's highest tracked CD (share certificate) rate is 4.52% APY on an 84-month relationship CD ($500 minimum). That is 3.2 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 4.16% to 4.47% APY.
Tracking began .
Founders Federal Credit Union CD & share certificate rates
Membership required. Fixed-rate certificates from 12 to 84 months with a $500 minimum, plus the 12-month SmartStart certificate for minors ($100). The 84-month Loyalty certificate requires an established checking relationship and another Founders product. The separately listed IRA certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 12 months | 12 Month SmartStart Special | 4.16%Top 17% · $10k reference sampleVerified October 22, 2026 |
| 12 months | 12 Month Certificate | 4.16%Top 17% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 24 Month Certificate | 4.22%Top 17% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 36 Month Certificate | 4.27%Top 10% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 48 Month Certificate | 4.32%Top 9% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 60 Month Certificate | 4.42%Top 8% · $10k reference sampleVerified October 22, 2026 |
| 84 months | 84 Month Loyalty Certificate Relationship | 4.52%Verified October 22, 2026 |
| 84 months | 84 Month Certificate | 4.47%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Founders Federal Credit Union's best CD rates by term?
Founders Federal Credit Union's best rate is 4.52% APY on 84 months, verified October 22, 2026.
- 12 mo4.16%
- 24 mo4.22%
- 36 mo4.27%
- 48 mo4.32%
- 60 mo4.42%
- 84 mo4.52%
How much interest could a Founders Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$3,626.86 interest · $13,626.86 at maturity on $10,000.00.
4.52% APY · 84 months · 84 Month Loyalty Certificate · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 12 months | $208.004.16% APY · 12 Month Certificate · Standard | $416.004.16% APY · 12 Month Certificate · Standard | $1,040.004.16% APY · 12 Month Certificate · Standard | $2,080.004.16% APY · 12 Month Certificate · Standard |
| 24 months | $430.904.22% APY · 24 Month Certificate · Standard | $861.814.22% APY · 24 Month Certificate · Standard | $2,154.524.22% APY · 24 Month Certificate · Standard | $4,309.044.22% APY · 24 Month Certificate · Standard |
| 36 months | $668.244.27% APY · 36 Month Certificate · Standard | $1,336.484.27% APY · 36 Month Certificate · Standard | $3,341.194.27% APY · 36 Month Certificate · Standard | $6,682.394.27% APY · 36 Month Certificate · Standard |
| 48 months | $921.624.32% APY · 48 Month Certificate · Standard | $1,843.234.32% APY · 48 Month Certificate · Standard | $4,608.094.32% APY · 48 Month Certificate · Standard | $9,216.174.32% APY · 48 Month Certificate · Standard |
| 60 months | $1,207.104.42% APY · 60 Month Certificate · Standard | $2,414.194.42% APY · 60 Month Certificate · Standard | $6,035.484.42% APY · 60 Month Certificate · Standard | $12,070.964.42% APY · 60 Month Certificate · Standard |
| 84 months | $1,813.434.52% APY · 84 Month Loyalty Certificate · Relationship | $3,626.864.52% APY · 84 Month Loyalty Certificate · Relationship | $9,067.154.52% APY · 84 Month Loyalty Certificate · Relationship | $18,134.304.52% APY · 84 Month Loyalty Certificate · Relationship |
How Founders Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 2555-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 14 tracked institutions with fresh 2555-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Founders Federal Credit Union (this institution) (highest tracked APY for this term)84 Month Loyalty Certificate · Relationship | 84 months | $500 | Coverage: NC, SC | 4.52% | October 22, 2026 |
| Navy Federal Credit UnionStandard Certificate · Standard | 84 months | $100,000 | Coverage: AL, AZ, CA, CO, CT, DC, FL, GA, GU, HI, IL, KS, KY, LA, MD, MI, MO, MS, NC, NE, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA | 3.90% | October 22, 2026 |
| PenFed Credit UnionMoney Market Certificate · Promotional | 84 months | $1,000 | Nationwide; check eligibility | 3.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 84 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.09% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Founders Federal Credit Union on October 22, 2026.
About Founders Federal Credit Union
- Legal name
- Founders Federal Credit Union
- Regulator ID
- NCUA 24063
- Headquarters
- Lancaster, SC
- Available in
- NC, SC
- Total assets
- $5.2 billion
- Also known as
- Website
- www.foundersfcu.com
Source: rates read from https://www.foundersfcu.com/dividend-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Founders Federal Credit Union?
Among the rates we track, 4.52% APY on an 84-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Founders Federal Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $500.
How does Founders Federal Credit Union's best CD rate compare with Treasury yields?
4.52% APY is −0.57% versus the 84-month Treasury yield of 5.09% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.52% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Founders Federal Credit Union CDs insured?
Founders Federal Credit Union is a federally insured credit union (NCUA 24063). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Founders Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Founders Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Founders Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Founders Federal Credit Union before opening an account. This page is not financial advice.