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Public Funds



Explore Public Funds Rates of Return at Financial Plus

Choose a Certificate of Deposit (CD) that works best for you! We're now offering options where you pick your term. We are also offering a limited time only Money Market Special. Act fast—these specials won’t be around for long! 

CURRENT SPECIALS: 

Certificate: 4.61% APY*

  • Pick your term (1-12 months)
  • New money only
  • $10,000 minimum
  • $2,000,000 maximum
  • Expires November 30th

Money Market Special: Limited Time Only^: 4.25% APY*

  • Valid for 6 months
  • New money only
  • $10,000 minimum
  • $1,000,000 maximum
  • Expires November 30th
Looking for something else? Let’s talk!
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Tell your Friends. Get $50! 
You'll both receive $50 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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All your banking in one place

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

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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
Email: NAdams@myfpcu.com

Meet Colleen

With 38 years of experience in the financial services industry, Colleen has had the privilege of serving in a variety of roles, including teller, personal banker, branch manager and Business Relationship Manager. Throughout her career Colleen’s passion has been building relationships, providing guidance and advice and helping members make informed financial decisions to achieve their goals. She believes in living her “why” every day by making people’s lives better, one relationship at a time.

Community action: Bay Area Chamber of Commerce, Saginaw Chamber of Commerce, Board Director for the Boys and Girls Club of the Great Lakes Bay Region

Ready to get started?

Office: (810) 244-2866
Email: colleen.richards@myfpcu.com

Meet Robert

Robert Whitaker is a Business Relationship Manager who specializes in connecting business strategy with commercial lending solutions. He is recognized for building strong stakeholder relationships, driving cross-functional collaboration, and helping both experienced and striving business owners achieve their goals through effective technology enablement and business process improvement. With over 30 years of Banking and Lending experience, his focus on partnership, innovation, and value makes him a trusted advisor to a diverse group of business leaders all across the state of Michigan.

Community action: Macomb County Chamber of Commerce, Birmingham Chamber of Commerce

Ready to get started?

Office: (810) 244-2120
Email: robert.whitaker@myfpcu.com

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)
Email: DLopez@myfpcu.com












Solutions for every aspect of life


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

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*APY=Annual Percentage Yield. Insured by NCUA. Promotional rate accurate as of 11/2/26 and subject to change. $10,000 minimum opening deposit required. Maximum deposit per membership is $2,000,000.00. Funds currently deposited in accounts at Financial Plus Credit Union are not eligible for the promotional interest rate. Expires 11/30/26. Some restrictions and early withdrawal penalties apply. See Credit Union for complete details.
^Insured by NCUA. Restrictions apply. Contact Nathan Adams for complete details. Expires 11/30/26.