Financial Plus Credit Union
Headquarters
800 Chestnut St.
Ottawa, IL 61350
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2024 Overview
General Credit Union Information
Financial Plus is an NCUA insured institution located in Ottawa, IL. It was founded in 1951 and has approximately $511.77 millions in assets.
Who can join?
Financial Plus Credit Union provides financial services and is open to:
- Anyone living or working in LaSalle, Bureau, Putnam or Grundy Counties
- Relatives of a current member by blood, adoption or marriage is eligible to join FPCU.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61231 |
| Date Established | 1951 |
| Assets | $511.77 million |
| Loans | $317.76 million |
| Deposits | $446.10 million |
| Capital | $66.15 million |
Field of Membership Restrictions
Financial Plus Credit Union of Illinois is open to the residents and people that maintain employment within these eligible counties: LaSalle,Bureau, Putnam, Grundy, and Will, as well as the family members of current credit union members.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Financial Plus
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Financial Plus
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Branches
Below are Financial Plus branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Financial Plus Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 324.52 | A | View Lobby Hours | |
| 338.60 | B | View Lobby Hours | |
| 343.10 | C | View Lobby Hours |
Climate Policy and Initiatives
FINANCIAL PLUS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Financial Plus Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Financial Plus. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Financial Plus | U.S. Average |
|---|---|
| 4.02% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Financial Plus had $2,618,707 in non-current loans and $99,600 in owned assets. To cover these potential losses it had $66,145,668 in net worth and $1,452,376 in loans loss reserves. That gives it a Texas Ratio of 4.02%.
Net Worth
| Financial Plus | U.S. Average |
|---|---|
| 12.91% | 13.93% |
Financial Plus FCU has a net worth of 12.91% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Financial Plus
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