Limited time only: 1.50% off your rate on select new loans!
Make the most of your financing experience with Loyalty Rate Discounts. By opting for direct deposit and auto pay, you now get 1.50% off loan rates (previously 1.00%) on new or used cars, trucks, boats, RVs, and more.
Apply for a loan online, at any Financial Plus location, and at most dealerships. Just be sure to mention you are a member at Financial Plus.
Act fast! Expires 12/31/24.
Loan Rates
As of 10/1/2024
Vehicles
| Term & Model Year | Rate/APR* with Loyalty Discount** |
|---|---|
| Up to 48 months (2025-2019) | as low as 4.99% |
| Up to 60 months (2025-2019) | as low as 5.24% |
| Up to 75 months (2025-2019) | as low as 5.49% |
| Up to 84 months (2025-2019) | as low as 5.74% |
| Up to 60 months (2018-2015) | as low as 5.74% |
| Up to 72 months (2018-2015) | as low as 6.24% |
| Up to 60 months (2014 & older) | as low as 6.99% |
Motorcycles
| Term | Rate/APR* with Loyalty Discount** |
|---|---|
| Up to 60 months (under $7,500) | as low as 6.74% |
| Up to 72 months (over $7,500) | as low as 6.99% |
| Up to 96 months (over $12,500) | as low as 7.49% |
| Up to 120 months (New - over $20,000) | as low as 7.74% |
Boat
| Term | Rate/APR* with Loyalty Discount** |
|---|---|
| Up to 60 months (under $7,500) | as low as 5.49% |
| Up to 72 months (over $7,500) | as low as 5.74% |
| Up to 120 months (over $12,500) | as low as 5.99% |
| Up to 144 months (over $20,000) | as low as 5.99% |
| Up to 180 months^ (over $30,000) | as low as 5.99% |
| Up to 240 months^^ (over $75,000) | as low as 5.99% |
^180 month term requires 10% down.
^^240 month term requires 10% down.
Travel Trailer/Motor Homes
| Term | Rate/APR* with Loyalty Discount** |
|---|---|
| Up to 60 months (under $7,500) | as low as 5.99% |
| Up to 72 months (over $7,500) | as low as 6.24% |
| Up to 120 months (over $12,500) | as low as 6.49% |
| Up to 144 months (over $20,000) | as low as 6.49% |
| Up to 180 months (over $30,000) | as low as 6.49% |
| Up to 240 months^ (over $75,000) | as low as 6.49% |
^240 month term requires 10% down.
ATVs, Snowmobiles, PWCs, Misc. Equipment
| Term | Rate/APR* with Loyalty Discount** |
|---|---|
| Up to 48 Months (used - under $5,000) | as low as 7.74% |
| Up to 60 Months (used - over $5,000) | as low as 7.74% |
| Up to 72 Months (new) | as low as 7.99% |
| Up to 96 Months (Side by Sides - new) (min. $25,000 MSRP) | as low as 7.99% |
Mortgage Loans
| Term | Everyday Rate/APR* |
|---|---|
| Fixed - 10 to 30 year mortgages up to $726,200 | Click here for current rates |
| MSHDA (Michigan State Housing Development Authority) | Click here for current rates |
| Jumbo Loans - 15 to 30 year mortgages over $726,200 | For rates, please contact the Financial Plus Mortgage Department at 810-244-2134. |
| Rural Development (RD) | Click here for current rates |
| Federal Housing Administration (FHA) | Click here for current rates |
*APR = Annual Percentage Rate. Equal Housing Opportunity. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. See Credit Union for full details. NMLS License # 586579
Home Equity Loans
| Term | Everyday Rate/APR* | |
|---|---|---|
| Home Equity Fixed-Rate Loan (Loan to Value up to 95% - up to 180 Months) | Click here for current rates | |
| Home Equity Line of Credit | Click here for current rates |
Unsecured Personal Loans
| Term | Rate/APR* with Loyalty Discount** |
|---|---|
| Benefits Plus Discounted Rate (up to 12 months) | (Not applicable) |
| Winter WonderLoan (up to 12 months) | as low as 11.49% |
| Personal Loan Unsecured (up to 24 Months) | as low as 11.49% |
| Personal Loan Unsecured (up to 48 Months) | as low as 11.74% |
| Personal Loan Unsecured (up to 60 Months) | as low as 11.99% |
| Personal Loan Unsecured (up to 72 Months) | as low as 12.49% |
| Personal Loan Unsecured (up to 84 Months) | as low as 12.99% |
| Fresh Start Debt Consolidation | as low as 11.74 % |
| Home Improvement without Mortgage (up to 84 months) | as low as 12.49% |
Visa Platinum Credit Card 1% Cash Back
| Term | Everyday Rate/APR* |
|---|---|
| Visa Platinum Credit Card - Purchases | as low as 15.00% |
| Visa Platinum Credit Card - Cash Advances | as low as 18.00% |
Other Loans
| Term | Everyday Rate/APR* |
|---|---|
| Personal Pocketbook Line of Credit (Variable Rate) | as low as 15.00% |
| Overdraft Protection Line of Credit | 14.99% |
| Loan secured by Pledge of Shares | 2.00% |
| Loan secured by Pledge of Certificates | Certificate rate + 2.00% |
*APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness.
**Refinances of eligible Financial Plus Credit Union loan(s) qualify for member discount at today’s rates. The Loyalty Discounts exclude lines of credit, mortgage, home equity, commercial and other unsecured 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. 1.50% Loyalty Discount expires 12/31/24. Some restrictions apply. See Credit Union for complete details.
Savings Rates
As of 12/2/2024
Certificates
| Term | Dividend Rate | APY* |
|---|---|---|
| 30-89 Days ($10,000 minimum)^ | 0.20% | 0.20% |
| 90-179 Days ($10,000 minimum)^ | 0.20% | 0.20% |
| 6 Months ($500 minimum) | 1.99% | 2.00% |
| 12 Months ($500 minimum) | 3.46% | 3.50% |
| 18 Months ($500 minimum) | 3.46% | 3.50% |
| 24 Months ($500 minimum) | 3.36% | 3.40% |
| 24 Months Start 'N Grow ($500 minimum) | 3.36% | 3.40% |
| 30 Months ($500 minimum) | 3.26% | 3.30% |
| 36 Months ($500 minimum) | 3.26% | 3.30% |
| 42 Months ($500 minimum) | 3.26% | 3.30% |
| 48 Months ($500 minimum) | 3.26% | 3.30% |
| 60 Months ($500 minimum) | 3.26% | 3.30% |
Savings Accounts
| Dividend Rate* | APY** | |
|---|---|---|
| Regular & Misc. Shares (00-08) -Daily account balances >$3,000 | 0.05% | 0.05% |
| Regular & Misc. Shares (00-08) -Daily account balances $1,500 - $2,999 | 0.05% | 0.05% |
| Regular & Misc. Shares (00-08) -Daily account balances $500 - $1,499 | 0.05% | 0.05% |
| Regular & Misc. Shares (00-08) -Daily account balances <$500** | 0.05% | 0.05% |
| Christmas Club Savings (20) | 0.05% | 0.05% |
| IRA and Roth IRA Savings | 0.10% | 0.10% |
| Coverdell Education Savings Account (ESA) | 0.10% | 0.10% |
| Loan Share Secured | None | None |
| Escrow Savings | None | None |
High Yield Plus Money Market Account
| Dividend Rate* | APY** | |
|---|---|---|
| Daily account balances <$1,500 | 0.00% | 0.00% |
| Daily account balances $1,500-$14,999 | 0.40% | 0.40% |
| Daily account balances $15,000-$24,999 | 0.60% | 0.60% |
| Daily account balances $25,000 - $49,999 | 0.80% | 0.80% |
| Daily account balances $50,000 - $99,999 | 1.00% | 1.00% |
| Daily account balances $100,000 - $249,999 | 1.00% | 1.00% |
| Daily account balances $250,000 - $499,999 | 1.00% | 1.00% |
| Daily account balances $500,000 and more | 1.00% | 1.00% |
Checking
| Dividend Rate* | APY** | |
|---|---|---|
| Go-To Checking - Daily account balances up to $10,000 | 4.07% | 4.15% |
| Go-To Checking - Daily account balances >$10,000† | 0.05% | 0.05% |
| Tiered-Rate Checking† - Daily account balances <$1,000 | None | None |
| Tiered-Rate Checking† - Daily account balances $1,000 - $4,999 | 0.10% | 0.10% |
| Tiered-Rate Checking† - Daily account balances $5,000 - $9,999 | 0.15% | 0.15% |
| Tiered-Rate Checking† - Daily account balances >$10,000 | 0.20% | 0.20% |
| Free Checking | None | None |
*This is the anticipated dividend rate for the current month.
**APY = Annual Percentage Yield. Rates are subject to change without notice.
^Certificate does not apply to IRA or ESA accounts.
^^Minimum transfer of $50.00/mo, but not more than $300.00/mo required. No manual transfers allowed and no catch up for unavailability of funds. Transfers may be discontinued at any time.
†Only applicable to legacy accounts as of 7/1/23