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

Current rates for Financial Plus Credit Union Flint, MI include: 12-Month CD: 3.45%, 18-Month CD: 3.45%, 24-Month CD: 3.30%, 60-Month CD: 3.50%, Savings: 0.10%, MMA: 1.00%

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Financial Plus Credit Union Flint, MI

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Financial Plus Credit Union Flint, MI Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Financial Plus Credit Union Flint, MI 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 10, 2026

Financial Plus Credit Union Flint, MI's top rates as of October 10, 2026 are 3.95% APY on its 12 Month Youth CD, 0.10% APY on savings, 1.00% APY on money market accounts, 4.15% APY on checking, 6.50% on its 30 Year Fixed - without DPA mortgage, personal loans from 11.74% APR, and credit cards from 14.00% APR, according to rates verified by MonitorBankRates. Other Financial Plus Credit Union Flint, MI CD rates include 60 Month CD at 3.50%, 12 Month CD at 3.45%, and 18 Month CD at 3.45%. Other Financial Plus Credit Union Flint, MI mortgage rates include What to expect during your mortgage application - 5/6 Arm at 7.38%, 30 Year Fixed - with DPA at 7.12%, and What to expect during your mortgage application - 20 Year Fixed at 7.50%. MonitorBankRates evaluates the financial stability of Financial Plus Credit Union Flint, MI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.74%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.74%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Financial Plus Credit Union Flint, MI
Van Slyke Branch

G3381 Van Slyke Rd
Flint, MI 48507-3263

https://www.myfpcu.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 Flint, MI CD Rates

Product	Rate	APY	Term
12 Month Youth CD	3.89%	3.95%	12 Month
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 10, 20263.95%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
12 Month Youth Certificate	-	3.95%	12-month
Details Available for ages 24 and under. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 10, 20263.95%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
60 Month Certificate	3.46%	3.50%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Oct 10, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
12 Month Certificate	3.41%	3.45%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 10, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
18 Month Certificate	3.41%	3.45%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 10, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
24 Month Certificate	3.26%	3.30%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 10, 20263.30%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
24 Month Start 'N Grow	3.26%	3.30%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 10, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
30 Month Certificate	3.21%	3.25%	30 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
36 Month Certificate	3.21%	3.25%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
42 Month Certificate	3.21%	3.25%	42 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
48 Month Certificate	3.21%	3.25%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
6 Month Certificate	1.99%	2.00%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
30 - 89 Day Certificate	0.20%	0.20%	30-89 Days
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
90 - 179 Day Certificate	0.20%	0.20%	90-179 Days
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Savings Rates

Product	Rate	APY
IRA and Roth IRA Savings	0.10%	0.10%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Christmas Club Savings (20)	0.05%	0.05%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Money Market Rates

Product	Rate	APY
High Yield Plus Money Market Account	1.00%	1.00%
Min Balance $50,000 Details Balance: Daily account balances $50,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
High Yield Plus Money Market Account	1.00%	1.00%
Min Balance $100,000 Details Balance: Daily account balances $100,000 - $249,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
High Yield Plus Money Market Account	1.00%	1.00%
Min Balance $250,000 Details Balance: Daily account balances $250,000 - $499,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
High Yield Plus Money Market Account	1.00%	1.00%
Min Balance $500,000 Details Balance: Daily account balances $500,000 and more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
High Yield Plus Money Market Account	0.80%	0.80%
Min Balance $25,000 Details Balance: Daily account balances $25,000 - $49,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
High Yield Plus Money Market Account	0.60%	0.60%
Min Balance $15,000 Details Balance: Daily account balances $15,000-$24,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
High Yield Plus Money Market Account	0.40%	0.40%
Min Balance $1,500 Details Balance: Daily account balances $1,500-$14,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Checking Rates

Product	Rate	APY
Go-To Checking	4.07%	4.15%
Min Balance $0 Details Balance: $0.01 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Go-To Checking	-	4.15%
Min Balance $10,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; A 0.05% APY will apply to balances over $10,000.00. A 0.00% APY will apply in months where all requirements are not met. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Tiered-Rate Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.01 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Tiered-Rate Checking	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Tiered-Rate Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Go-To Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.01 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Mortgage Rates

Product	Rate	Points	APR	Term
30 Year Fixed - without DPA	6.50%	0.000%	6.648%	30 Year
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.89% → 6.65% ▲ 0.76 pts · high 6.65% / low 5.89% Oct 10, 20266.65%▲ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
What to expect during your mortgage application - 5/6 Arm	7.375%	0.000%	6.706%	5/6 Arm
No additional details. Last Updated 10/10/2026 Rate History 6 changes since Sep 14, 2026 · 6.38% → 6.71% ▲ 0.33 pts · high 7.38% / low 6.38% Oct 10, 20266.71%▼ from 7.38% Oct 2, 20267.38%▲ from 7.25% Oct 1, 20267.25%▼ from 7.38% Sep 27, 20267.38%▲ from 6.75% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
30 Year Fixed - with DPA	7.125%	0.000%	7.281%	30 Year
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.52% → 7.28% ▲ 0.76 pts · high 7.28% / low 6.52% Oct 10, 20267.28%▲ from 6.52% Sep 14, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
What to expect during your mortgage application - 20 Year Fixed	7.50%	0.000%	7.70%	20 Year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 18, 2026 · 7.57% → 7.70% ▲ 0.13 pts · high 8.08% / low 7.57% Oct 10, 20267.70%▼ from 7.95% Oct 2, 20267.95%▼ from 8.08% Oct 1, 20268.08%▲ from 7.83% Sep 27, 20267.83%▲ from 7.57% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
What to expect during your mortgage application - 30 Year Fixed	7.625%	0.000%	7.781%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.15% → 7.78% ▲ 0.63 pts · high 8.03% / low 7.15% Oct 10, 20267.78%▼ from 8.03% Oct 2, 20268.03%▲ from 7.91% Sep 27, 20267.91%▲ from 7.53% Sep 18, 20267.53%▲ from 7.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
What to expect during your mortgage application - 15 Year Fixed	7.625%	0.000%	7.872%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.99% → 7.87% ▲ 0.88 pts · high 7.87% / low 6.99% Oct 2, 20267.87%▼ from 7.87% Oct 1, 20267.87%▲ from 7.87% Sep 27, 20267.87%▲ from 7.37% Sep 22, 20267.37%▲ from 7.37% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
What to expect during your mortgage application - 30 Year Fixed	7.75%	0.000%	7.908%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.15% → 7.91% ▲ 0.76 pts · high 8.03% / low 7.15% Oct 10, 20267.91%▼ from 8.03% Oct 2, 20268.03%▲ from 7.91% Sep 27, 20267.91%▲ from 7.53% Sep 18, 20267.53%▲ from 7.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
What to expect during your mortgage application - 10 Year Fixed	7.625%	0.000%	7.97%	10 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 18, 2026 · 7.47% → 7.97% ▲ 0.50 pts · high 7.97% / low 7.47% Oct 2, 20267.97%▲ from 7.84% Oct 1, 20267.84%▼ from 7.97% Sep 27, 20267.97%▲ from 7.47% Sep 18, 20267.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
What to expect during your mortgage application - 15 Year Fixed	7.75%	0.000%	7.999%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.99% → 8.00% ▲ 1.01 pts · high 8.00% / low 6.99% Oct 2, 20268.00%▲ from 7.87% Oct 1, 20267.87%▲ from 7.87% Sep 27, 20267.87%▲ from 7.37% Sep 22, 20267.37%▲ from 7.37% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
FHA Loans - 30 Year Fixed	7.125%	0.000%	8.02%	30 Year
Details Rates As Low As Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.25% → 8.02% ▲ 0.77 pts · high 8.02% / low 7.25% Oct 10, 20268.02%▲ from 7.89% Oct 2, 20267.89%▼ from 8.02% Sep 27, 20268.02%▲ from 7.64% Sep 18, 20267.64%▲ from 7.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
FHA Loans - 15 Year Fixed	7.125%	0.000%	8.227%	15 Year
Details Rates As Low As Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 7.20% → 8.23% ▲ 1.02 pts · high 8.23% / low 7.20% Oct 2, 20268.23%▲ from 8.10% Oct 1, 20268.10%▼ from 8.23% Sep 27, 20268.23%▲ from 7.59% Sep 22, 20267.59%▼ from 7.72% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	6.24%	-	6.392%	5 Year Fixed
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 18, 2026 · 6.34% → 6.39% ▲ 0.05 pts · high 6.64% / low 5.99% Oct 10, 20266.39%▼ from 6.64% Oct 2, 20266.64%▲ from 5.99% Oct 1, 20265.99%▼ from 6.34% Sep 18, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Line of Credit	7.00%	-	7.00%
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Loan	7.24%	-	7.329%	10 Year Fixed
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.94% → 7.33% ▲ 0.39 pts · high 7.33% / low 6.74% Oct 2, 20267.33%▲ from 6.74% Oct 1, 20266.74%▼ from 6.94% Sep 18, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Equity Loan	7.74%	-	7.808%	15 Year Fixed
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 7.39% → 7.81% ▲ 0.42 pts · high 7.81% / low 7.24% Oct 2, 20267.81%▲ from 7.24% Oct 1, 20267.24%▼ from 7.39% Sep 18, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicles Loan	-	-	4.99%	Up to 48 months
Details Model Year: 2026-2021; Loyalty Discount; As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Vehicles Loan	-	-	4.99%	Up to 60 months
Details Model Year: 2026-2021; Loyalty Discount; As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Vehicles Loan	-	-	5.24%	Up to 75 months
Details Model Year: 2026-2021; Loyalty Discount; As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Vehicles Loan	-	-	5.74%	Up to 84 months
Details Model Year: 2026-2021; Loyalty Discount; As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Vehicles Loan	-	-	6.24%	Up to 60 months
Details Model Year: 2020-2017; Loyalty Discount; As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Vehicles Loan	-	-	6.74%	Up to 72 months
Details Model Year: 2020-2017; Loyalty Discount; As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Vehicles Loan	-	-	7.49%	Up to 60 months
Details Model Year: 2016 & older; Loyalty Discount; As Low As Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	-	5.24%	Up to 60 months
Details Loyalty Discount; Loan Amount: under $7,500; As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loan	-	5.49%	Up to 72 months
Details Loyalty Discount; Loan Amount: over $7,500; As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loan	-	5.74%	Up to 120 months
Details Loyalty Discount; Loan Amount: over $12,500; As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loan	-	5.74%	Up to 144 months
Details Loyalty Discount; Loan Amount: over $20,000; As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loan	-	5.74%	Up to 180 months
Details Loyalty Discount; Loan Amount: over $25,000; As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boat Loan	-	5.74%	Up to 240 months
Details Loyalty Discount; Loan Amount: over $75,000; As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Travel Trailer/Motor Homes Loan	-	5.99%	Up to 60 months
Details Loyalty Discount; Loan Amount: under $7,500; As Low As Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Travel Trailer/Motor Homes Loan	-	6.24%	Up to 72 months
Details Loyalty Discount; Loan Amount: over $7,500; As Low As Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Travel Trailer/Motor Homes Loan	-	6.49%	Up to 120 months
Details Loyalty Discount; Loan Amount: over $12,500; As Low As Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Travel Trailer/Motor Homes Loan	-	6.49%	Up to 144 months
Details Loyalty Discount; Loan Amount: over $20,000; As Low As Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Travel Trailer/Motor Homes Loan	-	6.49%	Up to 180 months
Details Loyalty Discount; Loan Amount: over $30,000; As Low As Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Travel Trailer/Motor Homes Loan	-	6.49%	Up to 240 months
Details Loyalty Discount; Loan Amount: over $75,000; As Low As Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycles, ATVs, Snowmobiles, PWCs, Misc. Equipment Loan	-	6.99%	Up to 48 months
Details As Low As; Loyalty Discount; Loan amount over $7,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycles, ATVs, Snowmobiles, PWCs, Misc. Equipment Loan	-	6.99%	Up to 60 months
Details As Low As; Loyalty Discount; Loan amount over $7,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycles, ATVs, Snowmobiles, PWCs, Misc. Equipment Loan	-	7.24%	Up to 72 months
Details As Low As; Loyalty Discount; Loan amount over $7,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycles, ATVs, Snowmobiles, PWCs, Misc. Equipment Loan	-	7.74%	Up to 96 months
Details As Low As; Loyalty Discount; Loan amount over $12,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycles, ATVs, Snowmobiles, PWCs, Misc. Equipment Loan	-	7.99%	Up to 120 months
Details As Low As; Loyalty Discount; New loan amount over $20,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card - Purchases	-	14.00%
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Oct 10, 202614.00%▲ from 13.75% Sep 14, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Personal Loan Rates

Product	APR	Term
Personal Loan	11.74%	up to 12 months
Details As Low As; Loyalty Discount Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Debt Consolidation Loan	11.99%
Details As Low As; Loyalty Discount Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Personal Loan	11.99%	up to 24 Months
Details As Low As; Loyalty Discount Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Personal Loan	12.24%	up to 48 Months
Details As Low As; Loyalty Discount Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Personal Loan	12.49%	up to 60 Months
Details As Low As; Loyalty Discount Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Personal Loan	12.99%	up to 72 Months
Details As Low As; Loyalty Discount Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Personal Loan	13.49%	up to 84 Months
Details As Low As; Loyalty Discount Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Personal Line of Credit (Variable Rate)	13.50%
Details As Low As; Variable Rate Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Financial Plus Credit Union Flint, MI Other Rates

Product	Rate	Points	APY/APR	Term
Rural Development Loans	7.125%	0.000%	7.743%	30 Year Fixed
Details Rates As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Vacant Land Loan	7.625%	0.000%	8.272%	5 Year Balloon
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Coverdell Education Savings Account (ESA)	0.10%	-	0.10%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Regular & Misc. Shares (00-08) -Daily account	0.05%	-	0.05%
Details balances $1,500 - $2,999; Balance: $1,500.00 - $2,999.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Regular & Misc. Shares (00-08) -Daily account balances >	0.05%	-	0.05%
Details $3,000; Balance: $3,000.01 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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.
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Financial Health History

Financial Plus Credit Union Flint, MI’s Texas Ratio stayed near 3.03% in Q3 2023 to 2.74% 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	$1.7B	2.74%	5.0	A+
March 31, 2026	$1.6B	3.27%	5.0	A+
December 31, 2025	$1.6B	3.98%	5.0	A+
September 30, 2025	$1.5B	3.02%	5.0	A+
June 30, 2025	$1.5B	2.48%	5.0	A+
March 31, 2025	$1.5B	2.77%	5.0	A+
December 31, 2024	$1.4B	3.54%	5.0	A+
September 30, 2024	$1.4B	3.39%	5.0	A+
June 30, 2024	$1.4B	3.03%	5.0	A+
March 31, 2024	$1.4B	3.26%	5.0	A+
December 31, 2023	$1.3B	3.97%	5.0	A+
September 30, 2023	$1.3B	3.03%	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 Flint, MI 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 Flint, MI 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 Flint, MI's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Financial Plus Credit Union Flint, MI

Website https://www.myfpcu.com

Address G3381 Van Slyke Rd, Flint, MI 48507-3263

Phone 810-244-2200

Fax 810-244-2711

President Lisa Wilson

CEO Brad Bergmooser

Full-Time Employees 310

Part-Time Employees 3

Branch Locations 14

ATM Locations 13

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.74%

Return on Assets (ROA)

0.4486%

Return on Equity (ROE)

3.8326%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

1,669,995,828

Total Amount of Shares and Deposits

1,360,898,743

Total Shares and Deposits < 1 Year

1,275,592,797

Total Shares and Deposits 1 3 Years

80,353,694

Total Shares and Deposits > 3 Years

4,952,251

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

112,605,925

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

112,605,925

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

1,248,292,818

Total Interest Expense (Sum of items 6 8)

12,693,437

Share Certificates

10,384

Number of Accounts for Share Drafts

61,037

IRA KEOGH Accounts

1,925

Number of Accounts for Regular Shares

99,536

Non Member Deposits

Money Market Shares

14,057

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)

102,389,012

Total Liabilities

1,481,458,246

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Financial Plus Credit Union Flint, MI earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Financial Plus Credit Union Flint, MI

How many branches does Financial Plus Credit Union Flint, MI operate?

Financial Plus Credit Union Flint, MI 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 Flint, MI?

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

Does Financial Plus Credit Union Flint, MI offer online and mobile banking?

Most modern institutions like Financial Plus Credit Union Flint, MI 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.myfpcu.com.

Current Financial Plus Credit Union Flint, MI Rates

12-Month CD3.45%
18-Month CD3.45%
24-Month CD3.30%
60-Month CD3.50%
Savings0.10%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Financial Plus Credit Union Flint, MI Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Financial Plus Credit Union Flint, MI Texas Ratio

Financial Plus Credit Union Flint, MI Health Trend

Financial Plus Credit Union Flint, MI CD Rates

Financial Plus Credit Union Flint, MI Savings Rates

Financial Plus Credit Union Flint, MI Money Market Rates

Financial Plus Credit Union Flint, MI Checking Rates

Financial Plus Credit Union Flint, MI Mortgage Rates

Financial Plus Credit Union Flint, MI Home Equity & HELOC

Financial Plus Credit Union Flint, MI Auto Loan Rates

Financial Plus Credit Union Flint, MI RV, Boat and Powersport Loan Rates

Financial Plus Credit Union Flint, MI Credit Card Rates

Financial Plus Credit Union Flint, MI Personal Loan Rates

Financial Plus Credit Union Flint, MI Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Financial Plus Credit Union Flint, MI earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Financial Plus Credit Union Flint, MI

How many branches does Financial Plus Credit Union Flint, MI operate?

Is a member application needed to join Financial Plus Credit Union Flint, MI?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Financial Plus Credit Union Flint, MI offer online and mobile banking?

Current Financial Plus Credit Union Flint, MI Rates

Compare to Other Credit Unions