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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Financial Plus Credit Union Ottawa, IL Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Financial Plus Credit Union Ottawa, IL's 1 Year CD rates are at 1.24%, 18 Month CD rates are at 1.24%, 2 Year CD rates are at 1.24%, 3 Year CD rates are at 1.24%, 5 Year CD rates are at 1.24%. Financial Plus Credit Union Ottawa, IL's savings rates are at 0.10%. Financial Plus Credit Union Ottawa, IL's Personal Loan Rates are as low as 9.95%. Financial Plus Credit Union Ottawa, IL's Credit Card Rates are at 9.95%. MonitorBankRates evaluates the financial stability of Financial Plus Credit Union Ottawa, IL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.90%. Rates last updated and verified on 09/22/2026. Financial Plus Credit Union Ottawa, IL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Financial Plus Credit Union Ottawa, IL? Share your experience about Financial Plus Credit Union Ottawa, IL by leaving a review below, or read customer reviews before you decide to use Financial Plus Credit Union Ottawa, IL. Financial Plus Credit Union Ottawa, IL
Branch 1 Ottawa 800 Chestnut St
https://www.financialplus.org Ottawa, IL 61350 
Financial Plus Credit Union Ottawa, IL CD Rates
Financial Plus Credit Union Ottawa, IL Savings Rates
Financial Plus Credit Union Ottawa, IL Auto Loan Rates
Financial Plus Credit Union Ottawa, IL RV, Boat and Powersport Loan Rates
Financial Plus Credit Union Ottawa, IL Credit Card Rates
Financial Plus Credit Union Ottawa, IL Personal Loan Rates
Financial Health HistoryFinancial Plus Credit Union Ottawa, IL’s Texas Ratio fell from 4.76% in Q2 2023 to 1.90% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Financial Plus Credit Union Ottawa, IL is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Financial Plus Credit Union Ottawa, IL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Financial Plus Credit Union Ottawa, IL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Financial Plus Credit Union Ottawa, IL
Website
https://www.financialplus.org
Address
800 Chestnut St,
Ottawa, IL 61350
Phone
815-433-1496
Fax
815-433-0065
President
Joseph Navarro
CEO
Peter Fauth
Full-Time Employees
106
Part-Time Employees
14
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.90%
Return on Assets (ROA)
0.3755%
Return on Equity (ROE)
2.8974%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
603,339,653
Total Amount of Shares and Deposits
519,469,009
Total Shares and Deposits < 1 Year
515,864,509
Total Shares and Deposits 1 3 Years
2,243,489
Total Shares and Deposits > 3 Years
1,361,011
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
35,024,755
Total Uninsured Shares and Deposits > $250K (F+J)
35,024,755
Total Insured Shares and Deposits > $250K (item 17 less item K)
484,444,254
Total Interest Expense (Sum of items 6 8)
1,567,865
Share Certificates
3,212
Number of Accounts for Share Drafts
25,371
IRA KEOGH Accounts
901
Number of Accounts for Regular Shares
51,073
Money Market Shares
1,227
Net Income (unless the amount is already included in Undivided Earnings)
2,265,597
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
57,040,673
Total Liabilities
525,759,974
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for Financial Plus Credit Union Ottawa, IL
Frequently Asked Questions About Financial Plus Credit Union Ottawa, ILHow many branches does Financial Plus Credit Union Ottawa, IL operate?Financial Plus Credit Union Ottawa, IL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Financial Plus Credit Union Ottawa, IL?Yes, to access services at Financial Plus Credit Union Ottawa, IL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Financial Plus Credit Union Ottawa, IL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Financial Plus Credit Union Ottawa, IL provides members with tools to manage their accounts and build a solid financial history. Does Financial Plus Credit Union Ottawa, IL offer online and mobile banking?Most modern institutions like Financial Plus Credit Union Ottawa, IL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.financialplus.org. Current Financial Plus Credit Union Ottawa, IL Rates
Retrieved from our database of financial products. Rates subject to change.
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