Plus Checking

Plus Checking Account in Des Moines, IA

Sometimes we want just a little something else besides the ordinary. If you carry a larger balance in your checking and would like to earn dividends, the Plus Checking account is for you. When you choose to open a Plus Checking account with us, you’re choosing to not only store your money with us, but you’ll also start earning money on your money! Most checking accounts do not earn you interest as you’re just keeping your money there and using it as needed, but when you have plus account with us, you’ll start earning dividends on your money. This means that your money is earning money! At the end of each month, the dividends you earned that month will be deposited into your account for you to use.

This account offers many of the same advantages of the Classic Checking... PLUS:

  • Dividends paid on minimum average balance of $2,000*

  • Unlimited withdrawals with no charge

  • Unlimited ATM withdrawals with no Financial Plus charge

*Dividends calculated daily and paid monthly to the account.

**If the member dips below the $2,000 mark anytime in the month, there will be a $7.00 fee assessed.

Open an Account today!

If you can’t decide which kind of checking account will best suit you, we would love to talk with you and discuss what your options are and what will be your best route. Here at Financial Plus, you’re a member! You’re part of the team, and it’s our job to make sure you feel that and are supported when you’re with us. We’re in your corner! Open a Plus Checking account in Des Moines, IA, today, or contact us to find the best fit for you! 

You can also find our Checking Brochure and Balancing Form here, and Order Checks here. 

Plus Checking Rates

APY is accurate as of the last dividend declaration date. Dividends paid monthly.

Balance Rate APY
$0.00 - $1,999.99 0.00% 0.00%
$2,000.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.08% 0.08%
$25,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $74,999.99 0.12% 0.12%
$75,000.00 or more 0.15% 0.15%

The annual percentage yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. The dividend rates and annual percentage yields listed above are the rates and yields approved at the last Board of Director's meeting to take effect on the date above. The Plus Checking and Money Market accounts are tiered rate accounts. The balance ranges, dividend rates, and annual percentage yields for each tier are listed above. Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Balance ranges may change at any time as determined by the Credit Union's Board of Directors. Maintenance or activity fees could reduce the earnings on an account. A penalty may be imposed for early withdrawal of share certificates. Withdrawal of earnings could reduce the APY. Please see the fee schedule for fees related to these accounts.