Credit union · NCUA insured
Financial Plus Credit Union Savings Rates
Top CarrotFinancial Plus Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Financial Plus Credit Union’s savings 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
0.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Financial Plus Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.63%
- QualifiedQualified0.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Plus Money Market
0.00%APY
Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.00% | $0 |
| $25,000 – $50,000 | 1.82% | — |
| $50,000 – $100,000 | 2.02% | — |
| $100,000 – $250,000 | 2.63% | — |
| $250,000 – $500,000 | 3.05% | — |
| $500,000 – $1,000,000 | 3.46% | — |
| $1,000,000 and up | 3.72% | — |
Sources (1)
- financialpluscu.com/save/savings/plus-money-market · captured Oct 5, 2026
Money Market Account
0.75%APY
No fee for being below the minimum balance. No monthly service fee. Minimum average daily balance of $1,000 to earn dividends. Dividends compounded daily, paid monthly. Tiered rate account where the rate applies to the full balance once a balance range is met.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $10,000 | 0.60% | — |
| $10,000 – $25,000 | 0.75% | $75 |
| $25,000 – $50,000 | 0.85% | — |
| $50,000 – $75,000 | 0.95% | — |
| $75,000 and up | 1.05% | — |
Sources (1)
- financialpluscu.com/save/savings/money-market · captured Oct 5, 2026
Share Savings
0.10%APY
Must maintain a $25.00 balance. Three free withdrawals per month. Balance of $50 or more earns dividends. Dividends are compounded daily, paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50 | 0.00% | — | |
| $50 and upMinimum $25.00 balance required. | 0.10% | $10 | Minimum $25.00 balance required. |
Sources (1)
- financialpluscu.com/save/savings/share-savings · captured Sep 18, 2026
Special Purpose Savings
0.10%APY
$1.00 to open and maintain account. Payroll deduction available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upNo minimum balance required.$1 and up | 0.10% | $10 | No minimum balance required. |
Sources (1)
- financialpluscu.com/save/savings/special-purpose-savings · captured Sep 18, 2026
Special-purpose accounts
Kirby Kangaroo Club
0.50%APY
Kid's savings account for members age 12 and younger. Dividends calculated daily and paid monthly. Requires membership in Kirby Kangaroo Club.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires membership in Kirby Kangaroo Club.$5 and up | 0.50% | $50 | Requires membership in Kirby Kangaroo Club. |
Sources (1)
- financialpluscu.com/save/club-…unts/kirby-kangaroo-club · captured Sep 18, 2026
Status One Club
0.50%APY
For members ages 13 through 18. Minimum balance of $25.00 with dividends paid monthly. Requires membership in Status One.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires membership in Status One.$25 and up | 0.50% | $50 | Requires membership in Status One. |
Sources (1)
- financialpluscu.com/save/club-accounts/status-one-club · captured Sep 18, 2026
IRA Share Savings Account
0.30%APY
Federally regulated savings account for retirement savings and rollovers. Available in Traditional, Roth, and Roth Conversion types.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional IRA Account.Any balance | 0.30% | $30 | Traditional IRA Account. |
Sources (1)
- financialpluscu.com/save/inves…raditional-and-roth-iras · captured Sep 18, 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.