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Financial Plus Credit Union (IL)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%5-year CD5 Year CD
0.25%1-year CD1 Year Small Savers Certificate
0.10%SavingsRegular Savings

Overview / Commentary
815-433-1496
800 Chestnut St
Ottawa, IL 61350

Financial Plus Credit Union (IL) is headquartered in Ottawa and is the 25th largest credit union in the state of Illinois. It is also the 775th largest credit union in the nation. It was established in 1951 and as of September of 2016, it had grown to 78 employees and 32,637 members at 5 locations. Financial Plus Credit Union (IL)'s money market rates are 2X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Financial Plus Credit Union of Illinois is open to the residents and people that maintain employment within these eligible counties: LaSalle,Bureau, Putnam, Grundy, and Will, as well as the family members of current credit union members.
See current membership details

Reviews (1)

Like a bank, but better

Posted by: chasegood | Jan 24, 2017

I have "banked" with my credit union for as long as I have had an account, so my description is based on many years of experience. I really began using my accounts when I started my first job at age 16. At that time, paper checks were the norm so I interacted with the clerks on a weekly basis. They were always very friendly and extremely helpful. I have also had two car loans through this credit union, and they helped me set up automatic withdrawals so that I would not have to remember and transfer the funds myself, which was very helpful. In each case, they also matched the dealership's lower interest rate to keep my business. Finally, there have been two instances where I have overdrawn my checking account. In each case, I was at the bank first thing the next day when I realized my mistake, and in each case they were willing to waive the overdraft fees due to my prompt handling of it. I have since began also banking at a bank, and while the people are friendly there does not seem to be the same personal service that I have recieved from my credit union.



Health
A+

Health Grade Components

Overall
NCUA #61231
Year Chartered1951
Employees78
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD7.23%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$292.4MM$271.6MM
LoansQ3 2016vs Q3 2015$181.7MM$162.7MM
DepositsQ3 2016vs Q3 2015$252.2MM$234.3MM
Equity CapitalQ3 2016vs Q3 2015$38.1MM$35.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$900.00K$908.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.7MM$1.1MM
Real Estate OwnedQ3 2016vs Q3 2015$18.00K$105.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Financial Plus Credit Union (IL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--College Club
0.25%--Christmas Club
0.25%--Vacation Club
0.10%$100-Regular Savings

Financial Plus Credit Union (IL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$1m*-Money Market Share Account
OTHER TIERS: 0.10% Up to $1,500 | 0.25% $1,500 - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k | 0.60% $100k - $500k | 0.90% $500k - $1mm

Financial Plus Credit Union (IL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-5 Year CD
0.60%$500-3 Year CD
0.55%$500-2 Year CD
0.45%$500-18 Month CD
0.30%$500-1 Year CD
0.25%$500-1 Year Small Savers Certificate
0.25%$500-91 Day CD
0.25%$500-6 Month CD

Financial Plus Credit Union (IL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%--5 Year IRA
0.60%--3 Year IRA
0.55%--2 Year IRA
0.45%--18 Month IRA
0.30%--1 Year IRA
0.25%--6 Month IRA
Locations


Financial Plus Credit Union (IL) Locations
Branch Office800 Chestnut StOttawa, IL 61350
Branch Office2813 Plaza DrPeru, IL 61354
Branch Office1905 13th AveMendota, IL 61342
Branch Office1800 E Division StDiamond, IL 60416-6007
Branch Office220 E High StMorris, IL 60450-1406