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Source: https://www.foundersfcu.com/dividend-rates
Read: 2026-10-22T16:22:20.000Z

Dividend Rates | Founders Federal Credit Union Skip to main content
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Minimum Opening Deposit | Annual Percentage Yield (APY) | Dividend Rate | Dividends Compounded & Credited | Dividend Period
12 Month Certificate | $500.00 | 4.16% | 4.10% | Quarterly | Quarterly
24 Month Certificate | $500.00 | 4.22% | 4.15% | Quarterly | Quarterly
36 Month Certificate | $500.00 | 4.27% | 4.20% | Quarterly | Quarterly
48 Month Certificate | $500.00 | 4.32% | 4.25% | Quarterly | Quarterly
60 Month Certificate | $500.00 | 4.42% | 4.35% | Quarterly | Quarterly
84 Month Certificate 1,2 | $500.00 | 4.47% | 4.40% | Quarterly | Quarterly
84 Month Loyalty Certificate 1,3 | $500.00 | 4.52% | 4.45% | Quarterly | Quarterly
12 Month SmartStart 4 | $100.00 | 4.16% | 4.10% | Quarterly | Quarterly
Minimum Opening Deposit | Annual Percentage Yield (APY) | Dividend Rate | Dividends Compounded & Credited | Dividend Period
12 Month Certificate | $500.00 | 4.42% | 4.35% | Quarterly | Quarterly
24 Month Certificate | $500.00 | 4.47% | 4.40% | Quarterly | Quarterly
36 Month Certificate | $500.00 | 4.52% | 4.45% | Quarterly | Quarterly
48 Month Certificate | $500.00 | 4.58% | 4.50% | Quarterly | Quarterly
60 Month Certificate | $500.00 | 4.68% | 4.60% | Quarterly | Quarterly
84 Month Certificate 1,2 | $500.00 | 4.73% | 4.65% | Quarterly | Quarterly
84 Month Loyalty Certificate 1,3 | $500.00 | 4.78% | 4.70% | Quarterly | Quarterly
Minimum Opening Deposit | Annual Percentage Yield (APY) | Dividend Rate | Dividends Compounded & Credited | Dividend Period
Variable Rate IRA Savings 5 | $500.00 | 2.53% | 2.50% | Monthly | Monthly
Minimum Open Deposit | Annual Percentage Yield (APY) | Dividend Rate (Variable) | Dividends Compounded & Credited | Dividend Period
Checking Account | N/A | 0.00% | 0.00% | Monthly | Monthly
SmartStart Debit 6 | N/A | 0.00% | 0.00% | Monthly | Monthly
Fresh Start Checking 7 | N/A | 0.00% | 0.00% | Monthly | Monthly
Minimum Opening Deposit | Annual Percentage Yield (APY) | Dividend Rate (Variable) | Dividends Compounded & Credited | Dividend Period
Regular Savings Account | $5.00 | 0.10% | 0.10% | Monthly | Monthly
SmartStart Savings 6 | $5.00 | 0.10% | 0.10% | Monthly | Monthly
Loyalty Select 8 | N/A | 4.07% | 4.00% | Monthly | Monthly
Christmas Club/Other Savings | N/A | 0.10% | 0.10% | Monthly | Monthly
Money Market Plus 9 Balances of $1,000 - $49,999 | $1,000.00 | 1.51% | 1.50% | Monthly | Monthly
Money Market Plus 9 Balances of $50,000 - $99,999 | $1,000.00 | 2.02% | 2.00% | Monthly | Monthly
Money Market Plus 9 Balances of $100,000 - $249,999 | $1,000.00 | 2.53% | 2.50% | Monthly | Monthly
Money Market Plus 9 Balances of $250,000 or more | $1,000.00 | 2.78% | 2.75% | Monthly | Monthly
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