Lending

We offer a variety of commercial lending options for:

1. Commercial real estate.
2. Accounts receivable/inventory.
3. SBA 7(a) and 504 programs.
4. Equipment
5. Additional needs - contact our commercial lending department at (800) 748-0451 or clending@myfpcu.com for more information.

View our Business Fee Schedule

NOTICE TO MEMBERS/CONSUMERS: Use of the above email address is not protected or encrypted. Please use the email address for general inquiry purposes only. DO NOT INCLUDE non-public, private information in any email communication sent via this email address (info@financialplusfcu.org) or to any individual employee email address of Financial Plus Credit Union. For identification purposes, and so that we may contact you, please include your name and phone number and a general description of the issue or service you are inquiring about.

Business Checking Accounts

	Free Business Checking	Premier Business Checking
Minimum Opening Deposit	$25 Checking; $25 Savings	$500 Checking; $25 Savings
Minimum Average Monthly Balance	$0 Checking; $25 Savings	$10,000 Checking; $25 Savings
Monthly Service Fee*	FREE with e-statements, otherwise $10.00	Free if minimum average monthly balance above is maintained otherwise $25.00
Transaction Fee**	$0.25 each                                                     $0.25 each (First 100 per month are FREE)                      (First 200 per month are FREE)  FEE WAIVED FOR Electronic Transactions!    Electronic transactions are items such as ACH debits/credits, Point-Of-Sale  (POS) ATM/Debit Card purchases, online banking & telephone audio response  transfers, and online bill payments.
Dividends	None	Tiered rate for balances above $1,500 (see checking rates below)
Phone Banking (telephone audio response system)	FREE	FREE
Online Banking	FREE	FREE
E-statements (access monthly statements online and more)	FREE (Required to waive service fee)	Optional/FREE
BillPlay** (online bill payment)	FREE***	FREE***
Debit Card	FREE (Nominal replacement free for lost/damaged cards. See business fee schedule.)	FREE (Nominal replacement free for lost/damaged cards. See business fee schedule.)

*Service fee waived when minimum requirement is met.
**Transaction Fee waived for electronic transactions (ACH debits/credits, POS & debit card purchases, Online Banking & Phone Banking transfers, and BillPay Plus payments). Other items such as ATM transactions and paper checks written from an account are counted as a transaction that could trigger a fee if the account is over the monthly transaction limit.
***Other fees such as expedited payments may be applicable. Please refer to the fee schedule.

Business Savings (Share) Account

• The cornerstone of your membership at Financial Plus.
• Tiered dividend rates based on daily account balances.*
• Click here for our current rates.

*Daily balances less than $1,500 do not earn interest.

Business Hi-Yield Money Market Account*

• Higher tiered dividend rates than a business savings account.
• Dividends paid monthly.
• Funds remain liquid.
• Click here for our current rates.

*Business member must have a regular business share account with a minimum of $25 opening deposit.

Business CDs*

• Terms as short as 90 days and as long as 60 months.
• Fixed dividend rates.
• Click here for our current rates.

*Business member must have a regular business share account with a minimum of $25 opening deposit.

BUSINESS MEMBER SPOTLIGHT: Tropical Smoothie Cafe

New Year’s resolutions might have you thinking about choosing a healthier option when you are out-and-about. Long-time Financial Plus business member, Debbie Lemieux-King found a passion for providing that healthy option through her Tropical Smoothie Cafe restaurants. Debbie’s family brought the first Tropical Smoothie Cafe to the state of Michigan in 2004 to Grand Blanc. In partnership with her brother Craig, Debbie helped drive the restaurant to its success, which ultimately led to her becoming one of the Area Developers for all Tropical Smoothie Cafes within Michigan. When asked why she choose Tropical Smoothie Cafe, Debbie’s answer was simple. “It’s healthy. We don’t have fryers or grills, which allows us to provide a healthier choice to the community. I love the fresh fruits and the selection of our smoothies. Even after twelve years I am still in love with the food, and I crave it.” Tropical smoothie Cafe offers a variety of menu items, including wraps, sandwiches, salads, smoothies, and more. “We are constantly launching limited time offers, and bringing in new menu items to keep our selection fresh and exciting. Each one of our employees tries every new item that we launch so they are able to better assist the customer in choosing a menu item they would enjoy.”

As of today, there are 65 Tropical Smoothie Cafes in Michigan, 4 of which are owned by Debbie, as well as 45 more under construction. Debbie’s partnership with Financial Plus developed through mutual community support. “The relationship is so smooth and when I am in need, Jacquie Ochs, Commercial Business Lender, offers to meet me at my place of business to keep the process efficient and convenient.” Debbie has also recently began a new business venture, purchasing several Smartstyle Salons located in Walmart. “My businesses are growing, therefore my relationship with Financial Plus is growing. I plan on continuing to use them on all personal and business endeavors” said Lemieux-King. If you are in the mood for a meal made with fresh ingredients and bold flavors be sure to swing by Tropical Smoothie Cafe - because when you eat better, you feel better.