Financial Plus Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Financial Plus Credit Union's highest tracked CD (share certificate) rate is 3.95% APY on a 12-month special CD. That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.20% to 3.50% APY.
Tracking began .
Financial Plus Credit Union CD & share certificate rates
Membership required. Share certificates from 30 days to 60 months; most terms require $500 and terms under 6 months $10,000. Includes the 24-month Start 'N Grow and the 12-month Youth CD. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Financial Plus Credit Union's best CD rates by term?
Financial Plus Credit Union's best rate is 3.95% APY on 12 months, verified October 22, 2026.
- 30 days0.20%
- 90 days0.20%
- 6 mo2.00%
- 12 mo3.95%
- 18 mo3.45%
- 24 mo3.30%
- 30 mo3.25%
- 36 mo3.25%
- 42 mo3.25%
- 48 mo3.25%
- 60 mo3.50%
How much interest could a Financial Plus Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$345.00 interest · $10,345.00 at maturity on $10,000.00.
3.45% APY · 12 months · 12 Month Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | Not estimated | $1.640.20% APY · 30-89 Days Certificate · Standard | $4.110.20% APY · 30-89 Days Certificate · Standard | $8.210.20% APY · 30-89 Days Certificate · Standard |
| 90 days | Not estimated | $4.930.20% APY · 90-179 Days Certificate · Standard | $12.320.20% APY · 90-179 Days Certificate · Standard | $24.640.20% APY · 90-179 Days Certificate · Standard |
| 6 months | $49.892.00% APY · 6 Month Certificate · Standard | $99.782.00% APY · 6 Month Certificate · Standard | $249.452.00% APY · 6 Month Certificate · Standard | $498.892.00% APY · 6 Month Certificate · Standard |
| 12 months | $172.503.45% APY · 12 Month Certificate · Standard | $345.003.45% APY · 12 Month Certificate · Standard | $862.503.45% APY · 12 Month Certificate · Standard | $1,725.003.45% APY · 12 Month Certificate · Standard |
| 18 months | $261.213.45% APY · 18 Month Certificate · Standard | $522.433.45% APY · 18 Month Certificate · Standard | $1,306.073.45% APY · 18 Month Certificate · Standard | $2,612.133.45% APY · 18 Month Certificate · Standard |
| 24 months | $335.443.30% APY · 24 Month Start 'N Grow · Special | $670.893.30% APY · 24 Month Start 'N Grow · Special | $1,677.223.30% APY · 24 Month Start 'N Grow · Special | $3,354.453.30% APY · 24 Month Start 'N Grow · Special |
| 30 months | $416.443.25% APY · 30 Month Certificate · Standard | $832.893.25% APY · 30 Month Certificate · Standard | $2,082.223.25% APY · 30 Month Certificate · Standard | $4,164.433.25% APY · 30 Month Certificate · Standard |
| 36 months | $503.523.25% APY · 36 Month Certificate · Standard | $1,007.033.25% APY · 36 Month Certificate · Standard | $2,517.583.25% APY · 36 Month Certificate · Standard | $5,035.153.25% APY · 36 Month Certificate · Standard |
| 42 months | $592.483.25% APY · 42 Month Certificate · Standard | $1,184.953.25% APY · 42 Month Certificate · Standard | $2,962.393.25% APY · 42 Month Certificate · Standard | $5,924.773.25% APY · 42 Month Certificate · Standard |
| 48 months | $682.383.25% APY · 48 Month Certificate · Standard | $1,364.763.25% APY · 48 Month Certificate · Standard | $3,411.903.25% APY · 48 Month Certificate · Standard | $6,823.803.25% APY · 48 Month Certificate · Standard |
| 60 months | $938.433.50% APY · 60 Month Certificate · Standard | $1,876.863.50% APY · 60 Month Certificate · Standard | $4,692.163.50% APY · 60 Month Certificate · Standard | $9,384.323.50% APY · 60 Month Certificate · Standard |
How Financial Plus Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 83 of 233 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Financial Plus Credit Union (this institution)12 Month Youth CD · Special | 12 months | Not stated | Coverage: MI | 3.95% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays12 Month CD · Standard | 12 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Financial Plus Credit Union on October 22, 2026.
About Financial Plus Credit Union
- Legal name
- Financial Plus Credit Union
- Regulator ID
- NCUA 68646
- Headquarters
- Flint, MI
- Available in
- MI
- Total assets
- $1.7 billion
- Also known as
- Website
- www.myfpcu.com
Source: rates read from https://www.myfpcu.com/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Financial Plus Credit Union?
Among the rates we track, 3.95% APY on a 12-month special CD, as of October 22, 2026.
What is the minimum deposit for a Financial Plus Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $10,000.
How does Financial Plus Credit Union's best CD rate compare with Treasury yields?
3.95% APY is −0.62% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.95% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Financial Plus Credit Union CDs insured?
Financial Plus Credit Union is a federally insured credit union (NCUA 68646). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Financial Plus Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Financial Plus Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Financial Plus Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Financial Plus Credit Union before opening an account. This page is not financial advice.