Credit union · NCUA insured
Financial Plus Credit Union CD Rates
Financial Plus Credit Union’s best CD rate is 3.50% APY on a 5-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Financial Plus Credit Union’s CD rates compare
Compared with banks and credit unions near Flint, MI, where Financial Plus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Financial Plus Credit Union
3.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,877
Certificates
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
Genisys Credit Union
4.50%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $960
Financial Plus Credit Union CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 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.
Certificates
Up to 3.50%APY · 11 terms
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1–2 months30-89 Days term with $10,000 minimum deposit. Certificate does not apply to IRA or ESA accounts | — | 0.20% | 0.20% | $2 |
| 3–5 months90-179 Days term with $10,000 minimum deposit. Certificate does not apply to IRA or ESA accounts | — | 0.20% | 0.20% | $5 |
| 6 months$500 minimum deposit | 2.00% | — | 2.00% | $100 |
| 12 months$500 minimum deposit | 3.45% | — | 3.45% | $345 |
| 18 months$500 minimum deposit | 3.45% | — | 3.45% | $522 |
| 24 months$500 minimum deposit | 3.30% | — | 3.30% | $671 |
| 30 months$500 minimum deposit | 3.25% | — | 3.25% | $832 |
| 36 months$500 minimum deposit | 3.25% | — | 3.25% | $1,007 |
| 42 months$500 minimum deposit | 3.25% | — | 3.25% | $1,184 |
| 48 months$500 minimum deposit | 3.25% | — | 3.25% | $1,365 |
| 60 months$500 minimum deposit | 3.50% | — | 3.50% | $1,877 |
Start 'N' Grow Certificate
3.30%APY · 1 term
Encourages disciplined savings through monthly auto transfers between $50 and $300 per month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsMonthly auto transfer of $50-$300 required. No manual transfers allowed | 3.30% | $671 |
Special-purpose accounts
Youth Certificate
3.95%APY · 1 term
Available for anyone ages 24 and under. Additional deposits may be made at any time during the 12 month term. One penalty-free withdrawal permitted per 12-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNo minimum deposit. Available for ages 24 and under. One penalty-free withdrawal permitted per 12-month term | 3.95% | $395 |
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.