Share Savings

Share Savings Account in Des Moines, IA

Start your savings journey today to create a more financially stable lifestyle. Gain access to Financial Plus Credit Union’s services and member benefits; you must open our basic savings account called a "Share Savings" and maintain a $25.00 balance. This account is called a share savings account because you now own a share of the Financial Plus Credit Union! When you put your money in Financial Plus Credit Union, it’s more than just handing over a check: you’ll become a member and partial owner of the credit union. Credit unions are owned and operated by members who elect the volunteer Board of Directors that run the organization and exist to serve their members (that’s you!).

There are so many benefits to opening a share savings account here at Financial Plus. To start, it’s a safe place to store your money, dividends are earned monthly, you have access to your funds 24/7 through online banking, and there are various options for savings goals. Plus, you can get knowledgeable help with our incredible customer service! Our experts at Financial Plus are here to make sure you know and trust your money is in the right hands and that you choose the best savings account for your goals. Whether you want to put money aside regularly or save for your next vacation, we’ve got your back!

It's time to set savings goals! Trust Financial Plus to help turn those goals into a reality with our share savings accounts in Des Moines, Iowa.

Regardless of your savings balance, all members own an equal share in the Credit Union, which entitles each member one equal vote at our Annual Meeting. 

• $25 minimum balance
• Three FREE withdrawals per month
• Balance of $200 or more earns dividends
• Dividends are compounded daily, paid monthly to the account

Open an Account today!

Primary Savings Rates

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

Balance Rate APY
$0.00 - $199.99 0.00% 0.00%
$50.00 & above (Minimum $25.00 balance required.) 0.10% 0.10%

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.