# Founders Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/founders-federal-credit-union
Institution: Founders Federal Credit Union (NCUA 24063)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:20.000Z (October 22, 2026)
Official source: https://www.foundersfcu.com/dividend-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 12 Month SmartStart | special | 12 months | $100 | 4.16% | Not ZIP-priced | −0.41% | 2026-10-22T16:22:20.000Z | [Snapshot 351](https://apyledger.com/snapshots/351) |
| 12 Month Certificate | standard | 12 months | $500 | 4.16% | Not ZIP-priced | −0.41% | 2026-10-22T16:22:20.000Z | [Snapshot 351](https://apyledger.com/snapshots/351) |
| 24 Month Certificate | standard | 24 months | $500 | 4.22% | Not ZIP-priced | −0.65% | 2026-10-22T16:22:20.000Z | [Snapshot 351](https://apyledger.com/snapshots/351) |
| 36 Month Certificate | standard | 36 months | $500 | 4.27% | Not ZIP-priced | −0.68% | 2026-10-22T16:22:20.000Z | [Snapshot 351](https://apyledger.com/snapshots/351) |
| 48 Month Certificate | standard | 48 months | $500 | 4.32% | Not ZIP-priced | −0.66% | 2026-10-22T16:22:20.000Z | [Snapshot 351](https://apyledger.com/snapshots/351) |
| 60 Month Certificate | standard | 60 months | $500 | 4.42% | Not ZIP-priced | −0.59% | 2026-10-22T16:22:20.000Z | [Snapshot 351](https://apyledger.com/snapshots/351) |
| 84 Month Loyalty Certificate | relationship | 84 months | $500 | 4.52% | Not ZIP-priced | −0.57% | 2026-10-22T16:22:20.000Z | [Snapshot 351](https://apyledger.com/snapshots/351) |
| 84 Month Certificate | standard | 84 months | $500 | 4.47% | Not ZIP-priced | −0.62% | 2026-10-22T16:22:20.000Z | [Snapshot 351](https://apyledger.com/snapshots/351) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.