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Join us + experience the FPCU difference

Joining a credit union isn't just about having a place to manage your finances; it's about becoming part of a community that genuinely cares about its members. Founded by auto workers rooted in Genesee County, Financial Plus Credit Union has grown to proudly serve the entire state of Michigan. If you appreciate personalized conversation and 24/7 access to a variety of banking products and servicesFinancial Plus is the credit union for you.

Possibilities begin here

At Financial Plus, we offer the tools, knowledge, and resources to help you reach your highest potential. Experience the benefits of personalized service, competitive rates, and shared ownership by becoming a member today.

It's free to join! Stop by any of our locations today or open online by clicking the button below.

Open an account online in less than 3 minutes!

Use code 'Summer24' when finalizing your app to get up to $300 with direct deposit.*

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Check out our FAQs to see our most commonly asked questions.


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Checking Accounts
From Free to Go-To with 4.15% APY**, we have a checking option for you.

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Calculate your Payment
Use our calculators to get an idea of what your payment could be.


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

Start Referring

Benefits of joining a Credit Union

  1. Personalized service: At FPCU, we pride ourselves on offering personalized, member-driven services. When you become a credit union member, you're not just a number; you're an integral part of our community. 
  2. Competitive rates and lower fees: Say goodbye to excessive fees and hello to simpler financial solutions. Credit unions like FPCU often provide lower interest rates on loans and higher yields on savings, ensuring your hard-earned money works harder for you. Plus, we offer Loyalty Rate Discounts, where you score lower rates when you set up autopay and direct deposit.***
  3. Shared ownership and member empowerment: Unlike traditional banks, credit unions operate as not-for-profit organizations owned by their members. This means you have a voice in the credit union's decisions and policies. Joining Financial Plus allows you to actively participate in shaping your financial institution.

Annual Reports

Solutions for every aspect of life

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Looking for a new house? Let us help get you into your dream home.

Home Loans

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A loan for your every need, vacation, home improvement, you name it!

Personal Loans

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At our core is a dedication to the communities we serve.

Community Involvement

*Insured by NCUA. Receive 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 15 days of meeting the incentive requirements. Cannot be combined with any other offer. Restrictions apply. See credit union for complete details.
**APY = Annual Percentage Yield. Requirements apply to earn 4.15% APY. Dividends paid at month-end on daily balance up to $10,000. A 0.05% APY will apply to balances over $10,000.  A 0.00% APY will apply in months where all requirements are not met. APY current as of 7/6/23. Rates subject to change. Limit one Go-To Checking account per primary member. Business accounts do not qualify. Some restrictions apply. See Credit Union for complete details.
***Refinances of eligible Financial Plus Credit Union loan(s) qualify for member discount at today’s rates. The Loyalty Discounts exclude lines of credit, Greenlight Loan, mortgage, home equity, and commercial loans. Direct Deposit of the payroll is required. If Direct Deposit and Auto Pay requirements are not maintained, you may be subject to a Direct Deposit/Auto Pay Cancellation Fee in the amount of $125.00.