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Overview / Commentary
G3381 Van Slyke Rd
Flint, MI 48507-3263

Financial Plus Credit Union is headquartered in Flint and is the 26th largest credit union in the state of Michigan. It is also the 518th largest credit union in the nation. It was established in 1952 and as of December of 2017, it had grown to 169 employees and 55,730 members at 7 locations. Financial Plus Credit Union's CD rates are 56% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Financial Plus Credit Union is open to those who live, work, attend school or worship in Alcona, Alpena, Antrim, Arenac, Bay, Benzie, Charlevoix, Cheboygan, Clare, Crawford, Emmet, Genesee, Gladwin, Grand Traverse, Gratiot, Ingham, Iosco, Isabella, Kalkaska, Lapeer, Leelanau, Livingston, Macomb, Midland, Montmorency, Oakland, Ogemaw, Oscoda, Otsego, Presque Isle, Roscommon, Saginaw, Shiawassee, or Tuscola counties of Michigan.
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Reviews (3)

Hometown feel with global access.

I have banked with FPCU for over 34 years. I have financed 3 cars, 4 homes and purchased investment products through them. They don't charge ridiculous fees every time I sneeze. They are always available to speak with me when needed. I don't have to spend an hour pushing buttons to get to a live body. My checks are free (not that I use them much) and my ATM transactions are free. I can move money easily between accounts with the mobile app. My only complaint would be the mobile app is not as robust as the other credit union that I have an account with. It is a new to them and I think more functionality is coming.

They worked with me when I lost my home in a flood and again last September when my family and I evacuated our home due to hurricane Irma. Wait times are reasonable and so much shorter than big global banks. I opened an account at Citibank several years ago and it was a nightmare compared to FPCU. I just can't imagine closing my accounts with FPCU.

Mobile Deposit/Banking

I started this account in June with the purchase of my new car. At the time I was filling out the TONS of paperwork I was told that mobile banking was on its way. Finally it is up and running HOWEVER they "forgot" to tell me that I would have to me a member for six months OR have a direct deposit set up. Mind you they told me this today 12-20-2016 NOT when they were "selling me" on the mobile app. I work at a small business that does not have direct deposit. I live in Vassar Michigan 20+ miles from a actual location and told them from the start that mobile deposit was important to me. After talking to two different people they are unwilling to remedy the situation. Unprofessional and very disappointing. I will be doing all I can to move my business to another CU or Bank.

Hard Stuff

Posted by: rehStarks | Sep 8, 2016

This Credit Union is the hardest to deal with. Obtaining information is like pulling teeth. To set up an online account is nearly impossible (you must come into there office in Flint to do it). That is just ridiculous in this day and age! I will be paying them off very soon but I would never do business with again nor would I recommend others to them.


Health Grade Components

NCUA #68646
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD4.13%
Annual Interest Income$19.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$520.5MM$501.3MM
LoansQ4 2017vs Q4 2016$379.0MM$364.4MM
DepositsQ4 2017vs Q4 2016$443.7MM$418.4MM
Equity CapitalQ4 2017vs Q4 2016$71.0MM$67.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$5.0MM$2.7MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$5.6MM$3.4MM
Real Estate OwnedQ4 2017vs Q4 2016$35.00K$106.00K
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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 Savings Account Rates

0.10%--IRA Savings Account
0.10%--Roth IRA Savings Account
0.10%--Coverdell Education Savings Account
0.05%*$1,500*-Regular Share Account
OTHER TIERS: 0.01% Up to $1,500
0.05%--Christmas Club Savings
0.05%*$1,500*-Misc. Share Account
OTHER TIERS: 0.01% Up to $1,500

Financial Plus Credit Union Money Market Rates

0.60%*$500k*-Hi-Yield Plus Money Market
OTHER TIERS: 0.05% Up to $1,500 | 0.25% $1,500 - $50k | 0.35% $50k - $100k | 0.40% $100k - $200k | 0.45% $200k - $300k | 0.50% $300k - $400k | 0.55% $400k - $500k
0.60%*$500k*-IRA Money Market Account
OTHER TIERS: 0.20% $1,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $200k | 0.45% $200k - $300k | 0.50% $300k - $400k | 0.55% $400k - $500k
0.60%*$500k*-ESA Money Market Account
OTHER TIERS: 0.20% $1,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $200k | 0.45% $200k - $300k | 0.50% $300k - $400k | 0.55% $400k - $500k
0.35%*$50k*-Hi-Yield Money Market Account
OTHER TIERS: 0.05% Up to $1,500 | 0.20% $1,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k

Financial Plus Credit Union Checking Account Rates

0.20%*$10k*-Tiered-Rate Checking
OTHER TIERS: 0.10% $1k - $5k | 0.15% $5k - $10k
0.20%$15k-High-Rate Checking
0.20%*$10k*-Premier Business Checking
OTHER TIERS: 0.05% $1,500 - $10k

Financial Plus Credit Union CD Rates

2.15%$500-60 Month Share Certificate
2.15%$500-25 Month CD Special
2.10%$500-48 Month Share Certificate
2.00%$500-42 Month Share Certificate
1.90%$500-36 Month Share Certificate
1.80%$500-30 Month Share Certificate
1.70%$500-24 Month Share Certificate
1.70%$300-24 Month Start 'N Grow Relationship Certificate
1.70%$500-18 Month Founders Club Certificate
1.70%$500-18 Month Benefits Plus Certificate
1.65%$500-18 Month Share Certificate
1.40%$500-12 Month Share Certificate
1.25%$500-6 Month Share Certificate
0.60%$10k-90-179 Day Share Certificate

Financial Plus Credit Union IRA Rates

2.30%$500-39 Month IRA Special
2.15%$500-60 Month IRA Certificate
2.10%$500-48 Month IRA Certificate
2.00%$500-42 Month IRA Certificate
1.90%$500-36 Month IRA Certificate
1.80%$500-30 Month IRA Certificate
1.70%$500-24 Month IRA Certificate
1.70%$300-24 Month Start 'N Grow Relationship IRA Certificate
1.70%$500-18 Month Founders Club IRA Certificate
1.70%$500-18 Month Benefits Plus IRA Certificate
1.65%$500-18 Month IRA Certificate
1.40%$500-12 Month IRA Certificate
1.25%$500-6 Month IRA Certificate

Financial Plus Credit Union Locations
Branch Office7048 Miller RdSwartz Creek, MI 48473
Branch Office8250 S Saginaw StGrand Blanc, MI 48439-1828
Branch Office15125 Silver PkwyFenton, MI 48430-3460
Branch Office5256 Corunna RdFlint, MI 48532-4107
Branch OfficeG3381 Van Slyke RdFlint, MI 48507-3263
Branch Office4686 Fashion Square BlvdSaginaw, MI 48604
Branch Office5990 E Grand River AveHowell, MI 48843-9167