What are the current interest rates at Financial Plus Credit Union?

Current rates for Financial Plus Credit Union include: 12-Month CD: 0.86%, 18-Month CD: 4.08%, 24-Month CD: 1.52%, 60-Month CD: 2.13%, Savings: 0.10%

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Financial Plus Credit Union

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Financial Plus Credit Union Rates & Review October 2026

Q: Is a member application needed to join Financial Plus Credit Union?

Yes, to access services at Financial Plus Credit Union, 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Financial Plus Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Financial Plus Credit Union's top rates as of October 9, 2026 are 4.50% APY on its 27 Month CD Specials, and 0.10% APY on savings, according to rates verified by MonitorBankRates. Other Financial Plus Credit Union CD rates include 34 Month CD Specials at 4.34%, 18 Month CD Specials at 4.08%, and 9 Month CD Specials at 3.56%. MonitorBankRates evaluates the financial stability of Financial Plus Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.89%. Rates last updated and verified on 10/09/2026.

Financial Plus Credit Union 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? Share your experience about Financial Plus Credit Union by leaving a review below, or read customer reviews before you decide to use Financial Plus Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.89%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Financial Plus Credit Union
West Des Moines

1831 25th St
West Des Moines, IA 50266-1416

https://www.financialpluscu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Financial Plus Credit Union CD Rates

Product	Rate	APY	Term
27 Month Certificate Specials	4.40%	4.50%	27 Months
Min Balance $10,000 Details Minimum $10,000 balance required Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.72% → 4.50% ▲ 0.78 pts · high 4.50% / low 3.72% Oct 9, 20264.50%▲ from 3.72% Sep 14, 20263.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
34 Month Certificate Specials	4.25%	4.34%	34 Months
Min Balance $10,000 Details Minimum $10,000 balance required Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.34% ▲ 0.47 pts · high 4.34% / low 3.87% Oct 9, 20264.34%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
18 Month Certificate Specials	4.00%	4.08%	18 Months
Min Balance $5,000 Details Minimum $5,000 balance required Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.46% → 4.08% ▲ 0.62 pts · high 4.08% / low 3.46% Oct 9, 20264.08%▲ from 3.46% Sep 14, 20263.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
9 Month Certificate Specials	3.50%	3.56%	9 Months
Min Balance $5,000 Details Minimum $5,000 balance required Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.08% → 3.56% ▼ 0.52 pts · high 4.08% / low 3.56% Oct 9, 20263.56%▼ from 4.08% Sep 14, 20264.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
60 Month Regular & IRA Certificates	2.10%	2.13%	60 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
60 Month Variable Certificate	2.10%	2.13%	60 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
60 Month Variable Education Certificate	2.10%	2.13%	60 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
48 Month Regular & IRA Certificates	2.05%	2.07%	48 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
48 Month Variable Certificate	2.05%	2.07%	48 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
36 Month Regular & IRA Certificates	2.00%	2.02%	36 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
24 Month Regular & IRA Certificates	1.50%	1.52%	24 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
12 Month Regular & IRA Certificates	0.85%	0.86%	12 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.86% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
6 Month Regular & IRA Certificates	0.65%	0.65%	6 months
Min Deposit $500 Min Balance $500 Details Minimum $500 balance required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

Financial Plus Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.10%	0.10%
Min Deposit $25 Min Balance $50 Details Balance: $50.00 & above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%
Special Purpose Savings	0.10%	0.10%
Min Balance $1 Details No minimum balance required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.89%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Financial Plus Credit Union’s Texas Ratio rose from 0.62% in Q3 2023 to 4.89% in Q2 2026, so its financial health has stayed 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$242M	4.89%	5.0	A+
March 31, 2026	$240M	2.57%	5.0	A+
December 31, 2025	$233M	4.62%	5.0	A+
September 30, 2025	$228M	2.00%	5.0	A+
June 30, 2025	$227M	1.41%	5.0	A+
March 31, 2025	$226M	1.85%	5.0	A+
December 31, 2024	$218M	4.13%	5.0	A+
September 30, 2024	$215M	3.97%	5.0	A+
June 30, 2024	$216M	2.51%	5.0	A+
March 31, 2024	$209M	0.81%	5.0	A+
December 31, 2023	$202M	1.25%	5.0	A+
September 30, 2023	$199M	0.62%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Financial Plus Credit Union 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Financial Plus Credit Union

Website https://www.financialpluscu.com

Address 1831 25th St, West Des Moines, IA 50266-1416

Phone 515-224-1222

Fax 515-224-0961

President Phillip Williams

CEO Dave Cale

Full-Time Employees 35

Part-Time Employees 1

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.89%

Return on Assets (ROA)

0.5154%

Return on Equity (ROE)

3.6087%

Non-Performing Loans Ratio (NPL)

1.03%

Total Assets

241,691,544

Total Amount of Shares and Deposits

206,468,403

Total Shares and Deposits < 1 Year

193,591,107

Total Shares and Deposits 1 3 Years

12,402,749

Total Shares and Deposits > 3 Years

474,546

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,215,104

Total Uninsured Shares and Deposits > $250K (F+J)

8,215,104

Total Insured Shares and Deposits > $250K (item 17 less item K)

198,253,299

Total Interest Expense (Sum of items 6 8)

1,167,834

Share Certificates

998

Number of Accounts for Share Drafts

7,905

IRA KEOGH Accounts

373

Number of Accounts for Regular Shares

14,806

Money Market Shares

1,741

Net Income (unless the amount is already included in Undivided Earnings)

1,245,712

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)

35,230,215

Total Liabilities

208,056,472

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Financial Plus Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Financial Plus Credit Union

How many branches does Financial Plus Credit Union operate?

Financial Plus Credit Union 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?

Yes, to access services at Financial Plus Credit Union, 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does Financial Plus Credit Union offer online and mobile banking?

Most modern institutions like Financial Plus Credit Union 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.financialpluscu.com.