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Join Financial Plus Credit Union: Possibilities Begin Here
Proudly serving all of Michigan, we offer the tools, knowledge, and resources to help bring your goals within reach. If you're looking for ways to put more money back in your pocket—Financial Plus may be the credit union for you. See below to learn about our new member special offers and explore our 12 convenient locations. >
Join + Get up to $300
Use code: Gratiot26
From our simple Free Checking to our high rate Go-To Checking, there is a checking account made for you. Unlock up to $300 when you open a checking account with us and enroll in direct deposit.*
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Get $300 when you open a new checking account and set up a monthly direct deposit totaling $1,000 or more for two consecutive months
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Get $150 when you open a new checking account and set up a monthly direct deposit totaling at least $500 for two consecutive months
Open online in 3 minutes or less!
Use code: Gratiot26
Open an Account
Switch + Save |
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Switch + Save 1% off Your Rate
as low as 3.99% APR** for auto loans
as low as 3.99% APR** for auto loans
Feeling like you're paying too much for your current auto, boat, RV, motorcycle, or powersport loan? If you refinance your non-Financial Plus loan with us, we'll knock 1% off your current rate, or give you our lowest FPCU rate, whichever saves you more. Take advantage of this opportunity to save with a credit union that puts you first.
Get 1% off your rate:
- Rates as low as 3.99% APR** on auto loans
- As low as 4.99% APR** on boat loans
- As low as 5.49% APR** on RV loans
- As low as 5.99% APR** on motorcycle loans and powersport/ATV loans
Submit your application:
- Apply online by clicking the button below and selecting the loan type you want to refinance
- OR, stop into any of our locations and chat with a representative

Send money anytime, anywhere
Link your checking and debit card to your mobile accounts like Apple Pay®, PayPal®, Venmo® and more. It's easy - you just need your account number and our routing number 272480128 to get started.
Solutions for every aspect of life
*Insured by NCUA. Must be new checking relationship. Receive $300 incentive when you open a new checking account (no minimum balance requirement) with a minimum direct deposit of $1,000 for two consecutive months. Receive $150 incentive when you open a new checking account (no minimum balance requirement) with a minimum direct deposit of $500 for two consecutive months. Incentive deposited within 30 days of meeting direct deposit requirement. Cannot be combined with any other offer. Subject to 1099-MISC. Restrictions apply. See credit union for details.
**APR = Annual Percentage Rate. Subject to approval based on creditworthiness. Rates may vary based on each individual’s credit history and underwriting factors. The Credit Union will reduce the rate of your existing non-Financial Plus loan by 1% (subject to a minimum rate of 3.99% APR for auto, 4.99% APR for boat, 5.49% APR for RV, and 5.99% APR for motorcycle and powersport loans). Proof of the current rate and terms of the loan to be refinanced is required. Promotion only applicable to secured auto, boat, RV, motorcycle, and powersport loans. Promotion does not apply to existing loans with the Credit Union, purchases or lease buyouts. Rates and terms are subject to change without notice. Cannot be combined with Loyalty Rate Discounts. The Credit Union reserves the right to modify or discontinue this offer at any time without notice. Some restrictions apply. See Credit Union for details.
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