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Source: https://www.myfpcu.com/rates
Read: 2026-10-22T16:21:59.000Z

Rates | Financial Plus Credit Union Home
## Get 1.00% off your rate on select new loans!
We're making it easier for you to save on your next loan. With Loyalty Rate Discounts, get 1.00% off loan rates on new or used cars, trucks, boats, RVs, and more when you opt for direct deposit and auto pay.**
Term & Model Year | Rate/APR* with Loyalty Discount**
Up to 48 months (2026-2021) | as low as 4.99%
Up to 60 months (2026-2021) | as low as 4.99%
Up to 75 months (2026-2021) | as low as 5.24%
Up to 84 months (2026-2021) | as low as 5.74%
Up to 60 months (2020-2017) | as low as 6.24%
Up to 72 months (2020-2017) | as low as 6.74%
Up to 60 months (2016 & older) | as low as 7.49%
Term | Rate/APR* with Loyalty Discount**
Up to 48 months (over $7,500) | as low as 6.99%
Up to 60 months (over $7,500) | as low as 6.99%
Up to 72 months (over $7,500) | as low as 7.24%
Up to 96 months^ (over $12,500) | as low as 7.74%
Up to 120 months^ (New over $20,000) | as low as 7.99%
Term | Rate/APR* with Loyalty Discount**
Up to 60 months (under $7,500) | as low as 5.24%
Up to 72 months (over $7,500) | as low as 5.49%
Up to 120 months (over $12,500) | as low as 5.74%
Up to 144 months (over $20,000) | as low as 5.74%
Up to 180 months (over $25,000) | as low as 5.74%
Up to 240 months^ (over $75,000) | as low as 5.74%
^240 month term requires 10% down.
Term | Rate/APR* with Loyalty Discount**
Up to 60 months (under $7,500) | as low as 5.99%
Up to 72 months (over $7,500) | as low as 6.24%
Up to 120 months (over $12,500) | as low as 6.49%
Up to 144 months (over $20,000) | as low as 6.49%
Up to 180 months (over $30,000) | as low as 6.49%
Up to 240 months^ (over $75,000) | as low as 6.49%
^240 month term requires 10% down.
Term | Everyday Rate/APR*
Fixed - 10 to 30 year mortgages up to $726,200 | Click here for current rates
MSHDA (Michigan State Housing Development Authority) | Click here for current rates
Rural Development (RD) | Click here for current rates
Federal Housing Administration (FHA) | Click here for current rates
Term | Everyday Rate/APR*
Home Equity Fixed-Rate Loan (Loan to Value up to 95% - up to 180 Months) | Click here for current rates
Home Equity Line of Credit | Click here for current rates | Home Equity LOC Early Disclosure
Term | Rate/APR* with Loyalty Discount**
Personal Loan (up to 12 months) | as low as 11.74%
Personal Loan (up to 24 Months) | as low as 11.99%
Personal Loan (up to 48 Months) | as low as 12.24%
Personal Loan (up to 60 Months) | as low as 12.49%
Personal Loan (up to 72 Months) | as low as 12.99%
Personal Loan (up to 84 Months) | as low as 13.49%
Debt Consolidation Loan | as low as 11.99%
#### Visa Platinum Credit Card 1% Cash Back
Term | Everyday Rate/APR*
Visa Platinum Credit Card - Purchases | as low as 14.00%
Visa Platinum Credit Card - Cash Advances | as low as 17.00%
Term | Everyday Rate/APR*
Personal Line of Credit (Variable Rate) | as low as 13.50%
Loan secured by Pledge of Shares | 2.00%
Loan secured by Pledge of Certificates | Certificate rate + 2.00%
Term | Dividend Rate | APY*
30-89 Days ($10,000 minimum)^ | 0.20% | 0.20%
90-179 Days ($10,000 minimum)^ | 0.20% | 0.20%
6 Months ($500 minimum) | 1.99% | 2.00%
12 Months ($500 minimum) | 3.41% | 3.45%
18 Months ($500 minimum) | 3.41% | 3.45%
24 Months ($500 minimum) | 3.26% | 3.30%
24 Month Start 'N Grow ($500 minimum) | 3.26% | 3.30%
30 Months ($500 minimum) | 3.21% | 3.25%
36 Months ($500 minimum) | 3.21% | 3.25%
42 Months ($500 minimum) | 3.21% | 3.25%
48 Months ($500 minimum) | 3.21% | 3.25%
60 Months ($500 minimum) | 3.46% | 3.50%
12 Month Youth CD (No minimum) | 3.89% | 3.95%
Dividend Rate* | APY**
Regular & Misc. Shares (00-08) -Daily account balances >$3,000 | 0.05% | 0.05%
Regular & Misc. Shares (00-08) -Daily account balances $1,500 - $2,999 | 0.05% | 0.05%
Regular & Misc. Shares (00-08) -Daily account balances $500 - $1,499 | 0.05% | 0.05%
Regular & Misc. Shares (00-08) -Daily account balances <$500** | 0.05% | 0.05%
Christmas Club Savings (20) | 0.05% | 0.05%
IRA and Roth IRA Savings | 0.10% | 0.10%
Coverdell Education Savings Account (ESA) | 0.10% | 0.10%
Loan Share Secured | None | None
Escrow Savings | None | None
Dividend Rate* | APY**
Daily account balances <$1,500 | 0.00% | 0.00%
Daily account balances $1,500-$14,999 | 0.40% | 0.40%
Daily account balances $15,000-$24,999 | 0.60% | 0.60%
Daily account balances $25,000 - $49,999 | 0.80% | 0.80%
Daily account balances $50,000 - $99,999 | 1.00% | 1.00%
Daily account balances $100,000 - $249,999 | 1.00% | 1.00%
Daily account balances $250,000 - $499,999 | 1.00% | 1.00%
Daily account balances $500,000 and more | 1.00% | 1.00%
Dividend Rate* | APY**
Go-To Checking - Daily account balances up to $10,000 | 4.07% | 4.15%
Go-To Checking - Daily account balances >$10,000† | 0.05% | 0.05%
Tiered-Rate Checking† - Daily account balances <$1,000 | None | None
Tiered-Rate Checking† - Daily account balances $1,000 - $4,999 | 0.10% | 0.10%
Tiered-Rate Checking† - Daily account balances $5,000 - $9,999 | 0.15% | 0.15%
Tiered-Rate Checking† - Daily account balances >$10,000 | 0.20% | 0.20%
Free Checking | None | None
Student Checking | None | None
**APY = Annual Percentage Yield. Rates are subject to change without notice.