Credit union · NCUA insured
Financial Plus Credit Union Savings Rates
Financial Plus Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Share Account. Rates checked October 16, 2026.
How Financial Plus Credit Union’s savings 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
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Share Account
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Grand Ridge National Bank
3.60%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $360
Financial Plus Credit Union savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.50%
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 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.
Money Market Share Account
0.50%APY
Rates are tiered, based on current balance, and subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,500 | 0.10% | — |
| $1,500 – $10,000 | 0.40% | — |
| $10,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 – $100,000 | 0.70% | — |
| $100,000 – $500,000 | 1.51% | — |
| $500,000 – $1,000,000 | 2.06% | — |
| $1,000,000 and up | 2.06% | — |
Sources (2)
- financialplus.org/accounts/sav…are-certificate-accounts
- financialplus.org/accounts/savings/savings-rates
All captured Sep 17, 2026
Regular Savings
0.10%APY
Membership requires depositing a minimum of $1.00. Dividends are earned daily and paid quarterly on balances of $100.00 or more (no interest earned below $100.00).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo interest earned on balances below $100.00.$100 and up | 0.10% | $10 | No interest earned on balances below $100.00. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club
0.20%APY
Runs November 1 through October 31 of the following year. Funds automatically transfer to Share Savings on November 1. Early withdrawals permitted only in full, forfeiting dividends. Free gift with $10 minimum deposit. Daily dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Sep 17, 2026
College Club
0.20%APY
One withdrawal permitted per quarter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Sep 17, 2026
Vacation Club
0.20%APY
Runs June 1 through May 31 of the following year. Funds automatically transfer to Share Savings on June 1. Early withdrawals permitted only in full, forfeiting dividends. Free gift with $10 minimum deposit. High daily dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Sep 17, 2026
Tweens n' Teens Club
0.10%APY
For tweens and teens ages 10 through 19. Requires a $1 savings account to join. Parent or legal guardian required as joint owner for members under age 18 on loans, VISA, and checking accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUp to 0.10% APY.Any balance | 0.10% | $10 | Up to 0.10% APY. |
Sources (2)
- financialplus.org/accounts/savings/club-accounts
- financialplus.org/accounts/savings/tweens-n-teens-club
All captured Sep 17, 2026
Wiley Wabbit Club
0.10%APY
For newborns through age 9 years old. Minimum deposit for membership savings account is $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUp to 0.10% APY.Any balance | 0.10% | $10 | Up to 0.10% APY. |
Sources (2)
- financialplus.org/accounts/savings/club-accounts
- financialplus.org/accounts/savings/wiley-wabbit-club
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.