couple in home smiling and looking at laptop

Start 'N' Grow Certificate

Explore a Start 'N' Grow Certificate at Financial Plus Credit Union

Our Start 'N' Grow certificate is a tailored product designed for those with a savings goal, whether it's for a major purchase or an upcoming vacation. With a 24-month term and a minimum deposit of $500, this certificate of deposit (CD) offers a structured way to grow your savings.
Additionally, the Start 'N' Grow certificate encourages disciplined savings through monthly auto transfers, allowing you to contribute between $50 and $300 per month towards your financial goals.

Benefits of opening a Start 'N' Grow Certificate:

  • Flexibility: Add money monthly ($50-$300) upon opening your certificate to increase your savings 
  • Security: Your money is safely locked in for 24 months

How to open a Start 'N' Grow Certificate at Financial Plus:

  • Stop into any of our locations and chat with a representative
bank icon
Traditional Certificate
Start with a $500 minimum deposit and choose a term between 6-60 months.

plant icon
Calculate Your Savings
Use our certificate calculator to find out how much interest you can earn based on amount, term, and rate.

like icon

Tell your Friends. Get $50! 
You'll both receive $50 when you refer a friend or family member.

Start Referring

smile icon
More on Certificates
Explore our educational library for additional information on the benefits of a certificate.

What are the rules for opening a certificate?

Opening a certificate at Financial Plus Credit Union is a straightforward process with a few essential rules to consider:

  1. Minimum deposit requirement: Financial Plus Credit Union sets a minimum deposit amount. This amount varies based on the specific certificate product you choose.
  2. Term length: Certificates have a fixed term, typically ranging from a few months to several years. The term you select determines the duration for which your funds will be locked.

How much does it cost to open a certificate?

The cost of opening a certificate at Financial Plus primarily depends on the product you choose and can range from as little as $500. It's important to review the specific terms and conditions of each certificate product to understand the minimum deposit requirement before opening an account.

What are the advantages of a certificate?

  1. Guaranteed returns: One of the most significant advantages of a certificate is the guarantee of returns. We provide a fixed interest rate for the entire term, ensuring that your investment will grow steadily over time.
  2. Low risk: Certificates are considered low-risk investments because they are insured by the NCUA up to $250,000. This guarantee provides peace of mind, knowing that even in uncertain economic times, your principal investment is protected.
  3. Higher interest rates: Compared to traditional savings accounts, certificates often offer higher interest rates. This means that your money can grow at a faster pace, helping you achieve your financial goals sooner.

financial plus digital banking phone

Easily manage your account

Sign up for digital banking in minutes online or at any branch location and download the mobile app to take us wherever you go.

Solutions for every aspect of life

a person using a bank card

A high rate checking account that works as hard as you do with no minimum balance and no fees.

Go-To Checking 4.15% APY

woman smiling

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

Personal Loans

financial plus fenton branch

Find your nearest location and stop in to see us!

Our Locations

*APY = Annual Percentage Yield.