Credit union · NCUA insured
Financial Plus Credit Union CD Rates
Top CarrotFinancial Plus Credit Union’s best CD rate is 4.50% APY on a 27-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Financial Plus Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Financial Plus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Financial Plus Credit Union
4.50%APY
- Term
- 27 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,041
Certificate Specials
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Financial Plus Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo0.65%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.34%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Financial Plus Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Specials
Up to 4.50%APY · 4 terms
New Money only brought in from other financials; no existing funds are eligible.
| Term | APY · $5,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 monthsMinimum $5,000 balance required. New Money only brought in from other financials; no existing funds are eligible | 3.56% | — | 3.56% | $266 |
| 18 monthsMinimum $5,000 balance required. New Money only brought in from other financials; no existing funds are eligible | 4.08% | — | 4.08% | $618 |
| 27 monthsMinimum $10,000 balance required. New Money only brought in from other financials; no existing funds are eligible | — | 4.50% | 4.50% | $1,041 |
| 34 monthsMinimum $10,000 balance required. New Money only brought in from other financials; no existing funds are eligible | — | 4.34% | 4.34% | $1,279 |
Sources (1)
- financialpluscu.com/save/savings/certificates · captured Oct 5, 2026
Regular Certificates
Up to 2.13%APY · 6 terms
APY is accurate as of the last dividend declaration date. Dividends are paid on 3 and 6-month certificates at maturity and 12-month and longer dividends are posted quarterly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum $500 balance required. Dividends paid at maturity | 0.65% | $32 |
| 12 monthsMinimum $500 balance required. Dividends posted quarterly | 0.86% | $86 |
| 24 monthsMinimum $500 balance required. Dividends posted quarterly | 1.52% | $306 |
| 36 monthsMinimum $500 balance required. Dividends posted quarterly | 2.02% | $618 |
| 48 monthsMinimum $500 balance required. Dividends posted quarterly | 2.07% | $854 |
| 60 monthsMinimum $500 balance required. Dividends posted quarterly | 2.13% | $1,111 |
Sources (1)
- financialpluscu.com/save/savings/certificates · captured Oct 5, 2026
Variable Education Certificate
2.13%APY · 1 term
Variable rate education certificate. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsMinimum $500 balance required | 2.13% | $1,111 |
Sources (1)
- financialpluscu.com/save/savings/certificates · captured Oct 5, 2026
Variable Regular Certificates
Up to 2.13%APY · 2 terms
Variable rate certificate. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsMinimum $500 balance required | 2.07% | $854 |
| 60 monthsMinimum $500 balance required | 2.13% | $1,111 |
Sources (1)
- financialpluscu.com/save/savings/certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 2.13%APY · 6 terms
APY is accurate as of the last dividend declaration date. Dividends are paid on 3 and 6-month certificates at maturity and 12-month and longer dividends are posted quarterly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum $500 balance required. Dividends paid at maturity | 0.65% | $32 |
| 12 monthsMinimum $500 balance required. Dividends posted quarterly | 0.86% | $86 |
| 24 monthsMinimum $500 balance required. Dividends posted quarterly | 1.52% | $306 |
| 36 monthsMinimum $500 balance required. Dividends posted quarterly | 2.02% | $618 |
| 48 monthsMinimum $500 balance required. Dividends posted quarterly | 2.07% | $854 |
| 60 monthsMinimum $500 balance required. Dividends posted quarterly | 2.13% | $1,111 |
Sources (1)
- financialpluscu.com/save/savings/certificates · captured Oct 5, 2026
Variable IRA Certificates
Up to 2.13%APY · 2 terms
Variable rate IRA certificate. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsMinimum $500 balance required | 2.07% | $854 |
| 60 monthsMinimum $500 balance required | 2.13% | $1,111 |
Sources (1)
- financialpluscu.com/save/savings/certificates · captured Oct 5, 2026
Who can join Financial Plus Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to community members who work or reside in specified Iowa counties (Polk, Story, Jasper, Marion, Warren, Madison, Dallas, Boone, Hamilton, Hardin, Marshall, Poweshiek, Mahaska, Monroe, Lucas, Clarke, Union, Adair, Guthrie, Greene, Webster, Tama, Wright, Franklin, Grundy, Black Hawk, Benton, Iowa, Keokuk, Wapello, Appanoose, Wayne, Decatur, Ringgold, Adams, Cass, Audubon, Carroll, Calhoun, Pocahontas, and Humboldt).
Employers and groups
- Membership is open to employees of select employee groups.
Family and household
- Membership is open to family members of primary Financial Plus Credit Union members.
Other ways
- Membership qualification applies to businesses or organizations located in one of the 41 member counties.
Cost to join
- Opening an account requires a $25 opening deposit.
Membership information collected October 4, 2026.