Credit union · NCUA insured
Financial Plus Credit Union
A $603.3M credit union headquartered in Ottawa, IL, with 45,783 members and 5 branches in Illinois. Best rates: CDs 1.24% and savings 0.50% APY.
Financial Plus Credit Union Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#9 of 17 in Ottawa, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Financial Plus Credit Union
- Headquarters
- 800 Chestnut St, Ottawa, IL 61350
- NCUA charter
- 61231
Branches
5 branches in Illinois
Loading map…
Illinois
5 branches
Ottawa area · 3
- Branch 1 OttawaMain office800 Chestnut St, Ottawa, IL 61350Directions
- Branch 3 Mendota Branch1905 13th Ave, Mendota, IL 61342Directions
- Branch 2 - Peru Branch2813 Plaza Dr, Peru, IL 61354Directions
Chicago area · 2
- Branch 5- Diamond Branch1800 E Division St, Diamond, IL 60416Directions
- Branch 4- Morris Branch1300 N Division St, Morris, IL 60450Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.24% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.45% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio13.24%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.45%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Financial Plus Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.