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Credit union · NCUA insured

Financial Plus Credit Union Credit Card Rates

Top Carrot, Carrot Score 89Top Carrot

Financial Plus Credit Union credit cards start at 11.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How Financial Plus Credit Union’s credit card rates compare

Compared with banks and credit unions near Des Moines, IA, where Financial Plus Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • Top Carrot, Carrot Score 89

    This credit union’s lowest

    Financial Plus Credit Union

    11.75%APR

    Up to
    21.75% APR

    MasterCard

  • Top Carrot, Carrot Score 95

    Lowest rate

    Advantage Credit Union

    7.90%APR

    Up to
    13.90% APR

    Advantage Credit Union rates

  • Top Carrot, Carrot Score 91

    2nd-lowest rate

    IH Mississippi Valley Credit Union

    7.90%APR

    Up to
    —

    IH Mississippi Valley Credit Union rates

Compare credit card rates near you →

Financial Plus Credit Union credit card score

74

Credit card score

Higher than 37% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR11.75%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Financial Plus Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

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This may be incomplete or out of date, so check with the credit union before you apply.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.

Check membership requirements ↗Branches and institution details
← Financial Plus Credit Union overview