We know behind the scenes of local businesses are hardworking people just like us. That’s why we offer business loans, accounts, and services that are designed with business people in mind.

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 that 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: Flowerhouse


Flowerhouse

 

A family owned and run company since 2003, Flowerhouse, specializes in innovative outdoor products such as green houses, storage buildings, designer hammocks, and more. Scott Wehner, owner of Flowerhouse, has tied his success back to his early days as a child. “As boys, Jim and I worked with our fathers and grandfathers in Michigan farm fields and tool and die shops. Throughout that time, we developed a strong work ethic and knowledge of how things go together and how to do business,” said Scott. It has since evolved into a business with strong customer service managed by Scott’s mother, Carol, her son, nephew and granddaughters who all focus on sales efforts. Flowerhouse also likes to give back to the community donating green houses to local schools and gardening programs, benches to community parks, and by hiring co-op students from local high schools in the area starting them off with a good job.


“We market and do business around the world including Japan, Australia, Canada, Mexico, England, Germany, and most of all in the good ole USA,” said Scott. “We look to Financial Plus as a great partner in our growth, and enjoy working with the commercial team on all local and international business needs.” When it comes to any of your outdoor needs, be sure to check out Flowerhouse—a family owned and run company right in our back yard—by visiting www.flowerhouses.com or calling (810) 686-8252.