# Financial Plus Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/financial-plus-credit-union
Institution: Financial Plus Credit Union (NCUA 68646)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:59.000Z (October 22, 2026)
Official source: https://www.myfpcu.com/rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 30-89 Days Certificate | standard | 30 days | $10,000 | 0.20% | Not ZIP-priced | −3.93% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 90-179 Days Certificate | standard | 90 days | $10,000 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 6 Month Certificate | standard | 6 months | $500 | 2.00% | Not ZIP-priced | −2.40% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 12 Month Youth CD | special | 12 months | Not stated | 3.95% | Not ZIP-priced | −0.62% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 12 Month Certificate | standard | 12 months | $500 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 18 Month Certificate | standard | 18 months | $500 | 3.45% | Not ZIP-priced | −1.27% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 24 Month Start 'N Grow | special | 24 months | $500 | 3.30% | Not ZIP-priced | −1.57% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 24 Month Start 'N Grow | special | 24 months | $500 | 3.30% | Not ZIP-priced | −1.57% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 30 Month Certificate | standard | 30 months | $500 | 3.25% | Not ZIP-priced | −1.66% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 36 Month Certificate | standard | 36 months | $500 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 42 Month Certificate | standard | 42 months | $500 | 3.25% | Not ZIP-priced | −1.72% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 48 Month Certificate | standard | 48 months | $500 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |
| 60 Month Certificate | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:21:59.000Z | [Snapshot 344](https://apyledger.com/snapshots/344) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.