Member Benefits

Credit Union Member Benefits in Des Moines, IA

You own it!

At Financial Plus, not only do you do your banking with us, but you are a member-owner! We provide fee-free checking account and savings account option without requiring a substantial minimum balance. This can be a huge relief when your accounts dip lower than you’d like. We know that sometimes, your credit can be damaged. Or if you don’t have any credit, we work with you to bring your credit to a good spot and make sure that you can pay your bills on time. We work hard to not just turn people away but rather to encourage them and help them on their financial journeys.  \

But what does membership mean to you? Click the links below to learn more about a few of the member benefits and become one today. 

Loyalty Discounts

Active members of Financial Plus are rewarded with interest rate discounts for certain loans. 

First-time Borrower

Many institutions want to help first-time borrowers, but without any credit history, they don't.  At Financial Plus we always keep in mind that we are here to serve you.  If you are at least 18 years or older and a first time borrower, we have a program to help. 

Low Loan Rates

Whether you're buying a new home, car, or trying to save money by consolidated or refinancing your loans, we have something for you at a rate you'll love. We strive to keep our loan rates low and competitive. Financial Plus even offers special programs for the first-time borrower and asset protection for your purchases.

Become a Member

Becoming a member is easy! As long as you live or work in one of the many counties in Iowa that we serve, you can become a member!


We believe that if you get to know us and become an active member, you'll see that at Financial Plus, you do get something better!