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Business Certificate

Explore a Business Certificate of Deposit (CD) at Financial Plus

Looking to lock in your money for an upcoming business expense? A Business Certificate of Deposit (CD) may be right for you. A certificate is a time-bound savings option that allows you to deposit a certain amount of money, for a fixed period, at a specific rate. Since funds are locked in, you're guaranteed to receive the amount you locked in, along with earned interest at the end of the term. 
Together our team of business experts bring knowledge and value that goes beyond our products. Learn more about our team below.


What you get with an FPCU Business Certificate:

  • Flexible terms from 90 days to 60 months
  • Fixed dividend rates
  • Digital banking loaded with options

How to open a Business Certificate:

Stop into any of our locations and chat with a representative.


Online Treasury Management Solutions

We're dedicated to helping small and medium-sized businesses optimize their finances. That's why we offer an online portal powered by Tru Treasury with tools like Remote Deposit Capture (RDC), ACH, wire transfers, and Positive Pay.

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Tell your Friends. Get $100! 
You'll both receive $100 when you refer a friend or family member.

Start Referring

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Deposit Checks from your Phone
With Remote Deposits you can deposit as soon as you get paid within our mobile app.

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Low Rates
As a credit union member, you get to take advantage of lower rates than the big banks.

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Find a Location
We're right around the corner. Stop in and see us today!

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All your banking in one place

Easily control your money by having your personal and business accounts with Financial Plus. 

Explore digital banking

Meet the Financial Plus business experts

Meet Nathan

Nathan is our Director of Business Services bringing over 30 years of financial services and commercial lending experience. He has held a variety of roles, from internal audit, underwriting, lending and sales leadership. He takes the time to know and understand his business members so that he can provide them with the best solution and experience.

Community action: Flint and Genesee Chamber, Waterford Chamber of Commerce, Treasurer for Flint Swim and Racquet Club

Ready to get started?

Office: (810) 244-2801

Meet Troy

Troy Thurston brings over 20 years of experience in financial relationship management. Specializing in making municipalities, schools, and non-profits all for the greater good of the community. Troy is very passionate on being a trusted financial advisor to educating and getting a “win” all.

Troy shares, “Whether they are short or long term goals, I believe the source of financial freedom and growth comes from education and experience of making sound financial plans. And I do love it when a plan comes together.”

Community action: Local Chambers and Treasury associations

Ready to get started?

Office: (989) 799-1530
Cell: (586) 524-6028 (call or text)

Meet Matt

Matt Schroeder brings over 13 years of commercial business experience to our membership. Specializing in small business and equipment loans, Matt likes to service a variety of business membership requests.

Schroeder shares, “I enjoy working with new and expand­ing businesses and providing solutions to their lending needs. Supporting our members so they have the necessary financing and advice to succeed is what being part of a credit union is all about.”

Community action: Imlay City Rotary, Premier Night Fundraisers, and local Chambers of Commerce.

Ready to get started?

Office: (810) 244-8016
Cell: (810) 824-1695 (call or text)

Meet John

Bringing over 22 years of banking and commercial experience, John Hunter has held roles from underwriting to lending. Hunter has extensive experience with SBA lending for businesses, winning awards for SBA 504 deals.

Community action: Optimist club, Flint Chamber, Boys and Girls Club of Flint, Great Lakes Bay Economic Club

Ready to get started?

Office: (810) 600-3315

Meet David

David has over a decade of experience lending to business owners utilizing both conventional and SBA financing for equipment, real estate, access to working capital, acquisitions and expansions. 

“As a Branch Manager, I truly enjoyed getting to know each family, watching the family grow, helping to improve the lives of clients through financial solutions and advice. Now, as a Commercial Lender, I enjoy getting to know each business owner, watching the business grow, helping to improve the lives of business owners and the well-being of their business through comprehensive and customized business banking solutions tailored to the financial needs and circumstances of their business.”

Community action: Salvation Army, Junior Achievement teaching financial literacy, work readiness, and entrepreneurship in local classrooms, local Chambers of Commerce

Ready to get started?

Office: (810) 244-2031
Cell: (989) 860-9108 (call or text)

Meet Amy

Amy is our Business Sales Support Supervisor bringing us over 30 years of financial services and banking experience. She has held roles in retail banking, mortgage banking, business banking and wealth management.  Amy makes excellent member experience at the heart of what she does on a daily basis.

"I strive to build long term member relationships by providing superior service with an upbeat and professional attitude," says Amy.

Community action: President Burton Kiwanis, Food Bank of Eastern Michigan, Hurley Children's Hospital

Ready to get started?

Office: (810) 244-2848

Solutions for every aspect of life

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