Credit union · NCUA insured
Financial Plus Credit Union Savings Rates
Financial Plus Credit Union’s best savings rate is 0.40% APY on $10,000, with its High Yield Plus Money Market. Rates checked October 16, 2026.
How Financial Plus Credit Union’s savings 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
0.40%APY
- Minimum
- $1,500
- Earns on $10,000 a year
- $40
High Yield Plus Money Market
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Credit Union ONE
3.30%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $330
Financial Plus Credit Union savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.40%
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.
High Yield Plus Money Market
0.40%APY
$1,500 to open and receive dividend. No monthly fees. Dividends are tiered to offer higher rates for larger balances and paid monthly on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,500 | 0.00% | — |
| $1,500 – $14,999 | 0.40% | $40 |
| $15,000 – $24,999 | 0.60% | — |
| $25,000 – $49,999 | 0.80% | — |
| $50,000 – $99,999 | 1.00% | — |
| $100,000 – $249,999 | 1.00% | — |
| $250,000 – $499,999 | 1.00% | — |
| $500,000 and up | 1.00% | — |
Regular & Misc. Shares (00-08)
0.05%APY
No monthly account fees. $1.00 minimum balance reserves membership.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Daily account balances <$500. | 0.05% | — | Daily account balances <$500. |
| $500 – $1,499Daily account balances $500 - $1,499. | 0.05% | — | Daily account balances $500 - $1,499. |
| $1,500 – $2,999Daily account balances $1,500 - $2,999. | 0.05% | — | Daily account balances $1,500 - $2,999. |
| $3,000 and upDaily account balances >$3,000. | 0.05% | $5 | Daily account balances >$3,000. |
Special-purpose accounts
Coverdell Education Savings Account (ESA)
0.10%APY
No monthly fees. Trust or custodial account designed to help families pay for education related expenses with tax-free earnings growth and withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
IRA and Roth IRA Savings
0.10%APY
No monthly fees. Traditional IRA and Roth IRA wrappers available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Christmas Club Savings (20)
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- myfpcu.com/rates · captured Oct 5, 2026
Who can join Financial Plus Credit Union
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