Credit union · NCUA insured
Financial Plus Credit Union
A $1.6B credit union, the 303rd largest of 4,329, headquartered in Flint, MI, with 80,867 members and 12 branches in Michigan. Best rates: CDs 3.50% and savings 0.40% APY.
Financial Plus Credit Union Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#14 of 17 in Flint, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Financial Plus Credit Union
Founded by auto workers in Genesee County, Financial Plus Credit Union has grown to serve the entire state of Michigan.
The institution operates as a not-for-profit credit union owned by its members.
- Headquarters
- G3381 Van Slyke Rd, Flint, MI 48507-3263
- NCUA charter
- 68646
Branches
12 branches in Michigan
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Michigan
12 branches
Flint area · 7
- FPCU Main Office BranchMain officeG3381 Van Slyke Rd, Flint, MI 48507Directions
- FPCU Davison Branch8075 Lapeer Rd, Davison, MI 48423Directions
- FPCU Fenton Branch15125 Silver Pkwy, Fenton, MI 48430Directions
- FPCU - Corunna Road Branch5256 Corunna Rd, Flint, MI 48532Directions
- FPCU - Flushing Branch6530 W Pierson Rd, Flushing, MI 48433Directions
- FPCU - Grand Blanc Branch8250 S Saginaw St, Grand Blanc, MI 48439Directions
- FPCU - Swartz Creek Branch7048 Miller Rd, Swartz Creek, MI 48473Directions
Saginaw area · 4
- FPCU - Fashion Square Branch4686 Fashion Square Blvd, Saginaw, MI 48604Directions
- WCU - Bagley Branch1837 Bagley St, Saginaw, MI 48601Directions
- WCU - Gratiot Rd Branch9030 Gratiot Rd, Saginaw, MI 48609Directions
- WCU - Shattuck Branch4026 Shattuck Rd, Saginaw, MI 48603Directions
Bay City area · 1
- WCU - Bay City Branch4129 N Euclid Ave, Bay City, MI 48706Directions
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 | 11.71% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.48% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.92% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalNet worth ratio11.71%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.48%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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.