Credit union · NCUA insured
Financial Plus Credit Union CD Rates
Financial Plus Credit Union’s best CD rate is 1.24% APY on a 1-year share certificate (CD). Terms run from 3 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 Ottawa, IL, where Financial Plus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Financial Plus Credit Union
1.24%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $124
Share Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Streator Onized Credit Union
4.25%APY
- Term
- 22 months
- Minimum
- $500
- Earns on $10,000
- $793
Financial Plus Credit Union CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.35%
- 9–15 months9–15 mo1.24%
- 16–30 months16–30 mo1.24%
- 31–60 months31–60 mo1.24%
- QualifiedQualified1.24%
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.
Share Certificate
Up to 1.24%APY · 7 terms
Automatically renewable. Earnings will be paid directly to the member, added to regular shares, or added to principal. Penalties apply for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsPlan 91 Savings Certificate / 91 Day | — | 0.25% | 0.25% | $6 |
| 6 months | — | 0.35% | 0.35% | $17 |
| 12 months | — | 1.24% | 1.24% | $124 |
| 12 monthsSmall Saver certificate | 0.25% | — | 0.25% | $25 |
| 18 months | — | 1.24% | 1.24% | $187 |
| 24 months | — | 1.24% | 1.24% | $250 |
| 36 months | — | 1.24% | 1.24% | $377 |
| 60 months | — | 1.24% | 1.24% | $636 |
Sources (2)
- financialplus.org/accounts/sav…are-certificate-accounts
- financialplus.org/accounts/savings/savings-rates
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificate
Up to 1.24%APY · 6 terms
Available for Traditional and Roth IRAs. Dividends are compounded daily and paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.35% | $17 |
| 12 months | 1.24% | $124 |
| 18 months | 1.24% | $187 |
| 24 months | 1.24% | $250 |
| 36 months | 1.24% | $377 |
| 60 months | 1.24% | $636 |
Sources (2)
- financialplus.org/accounts/sav…dual-retirement-accounts
- financialplus.org/accounts/savings/savings-rates
All captured Sep 17, 2026
Who can join Financial Plus Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.