We’re Here To Help
All Frankenmuth Credit Union branches are open to walk in traffic. To schedule a branch appointment, start here. Or call or text 989-497-1600 to schedule an appointment for a lobby visit. All lobby, drive-thru and ITM hours are listed below via branch location.
580 N. Main Street
Frankenmuth, MI 48734
Lobby Hours:
M, T, W: 7:30am – 6:30pm
Th: 9:15am – 6:30pm
F: 7:30am – 6:30pm
Sat: 9:00am – 12:30pm
Drive-Thru Hours:
M, T, W, Th, F: 7:30am – 6:30pm
Sat: 8:00am – 12:30pm
Member Service Lobby Hours:
M, T, W: 9am – 6pm
Th: 9:15am – 6pm
F: 9am – 6pm
Sat: 9am – 12:30pm
710 N. Van Dyke Road
Bad Axe, MI 48413
Lobby Hours:
M, T, W: 9:00am – 5:00pm
Th: 9:15am – 5:00pm
F: 9:00am – 6:00pm
Business Drive-Thru Hours:
M, T, W: 9:00am – 5:00pm
Th: 9:15am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
800 North Euclid Ave.
Bay City, MI 48706
Lobby Hours:
M, T, W: 9:00am – 5:30pm
Th: 10:00am – 5:30pm
F: 9:00am – 6:00pm
Sat: 9:00am – 1:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
8131 Main
Birch Run, MI 48415
Drive-Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
9430 Meijer South Dr
Birch Run, MI 48415
Lobby Hours:
M: 9:00am – 7:00pm
T, W, Th: 10:00am – 7:00pm
F: 9:00am – 7:00pm
Sat: 9:00am – 4:00pm
Sun: 10:00am – 4:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 7:00pm
Th: 10:00am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 4:00pm
Sun: 10:00am – 4:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
5540 Dixie Hwy
Saginaw, MI 48601
Lobby Hours:
M: 9:00am – 5:00pm
T, W, Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 12:30pm
Drive Up ATM Live Teller Hours:
M,T,W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
1060 W Caro Rd
Caro, MI, 48723
Lobby Hours:
M, T, W: 9:00am – 5:00pm
Th: 9:15am – 5:00pm
F: 9:00am – 6:00pm
Sat: 9:00am – 12:30pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
Business Drive-Thru Hours:
M, T, W: 8:00am-5:00pm
Th: 9:15am-5:00pm
F: 8:00am-6:00pm
Sat: 9:00am-12:30pm
Lobby Hours:
M, T, W: 9:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
Business Drive Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
47 N Main Street
Elkton, MI 48731
Lobby Hours:
M, T, W: 9:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
3017 Center Ave.
Essexville, MI 48732
Lobby Hours:
M: 9:00am – 6:00pm
T, W, Th: 10:00am – 6:00pm
F: 9:00am – 6:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 6:00pm
Th: 10:00am – 6:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 1:00pm
5002 Center St,
Fairgrove, MI 48733
Drive-Thru ATM Live Teller Hours:
M, T, W, & F: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
111 S Main St
Freeland, MI 48623
Lobby Hours:
M: 9:00am – 5:00pm
T, W, Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
8400 Gratiot Rd.
Saginaw, MI 48609
Lobby Hours:
M, T, W, Th, F: 10:00am – 7:00pm
Sat: 9:00am – 4:00pm
8 S Huron Rd.
Linwood, MI 48634
Lobby Hours:
M, T, W: 9:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 12:30pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
315 E Main St
Mayville, MI 48744
Lobby Hours:
M, T, W: 9:00am – 6:00pm
Th: 9:15am-6:00pm
Fr: 9:00am – 6:00pm
Sat: 10:00am – 2:00pm
Sun: 10:00am – 2:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
401 S Saginaw Rd
Midland, MI 48640
Lobby Hours:
M, T, W: 9:00am – 5:15pm
Th: 9:15am – 5:15pm
F: 9:00am – 6:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
Business Drive Thru Hours:
M, T, W: 8:00am – 5:15pm
Th: 9:15am – 5:15pm
F: 8:00am – 6:00pm
8234 State St
Millington, MI 48746
Lobby Hours:
M: 9:00am – 5:00pm
T, W, Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 12:30pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
410 N. State Rd. (M15)
Otisville, MI 48463
Lobby Hours:
M, T, W: 9:00am – 5:15pm
Th: 10:00am – 5:15pm
F: 9:00am – 6:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
947 Aiken St.
Owosso, MI 48867
NEW LOCATION COMING IN 2022
2267 E. Main St.
Owosso, MI, 48867
Lobby Hours:
M, T, W, Th: 9:30am – 2:00pm
F: 9:30am – 5:30pm
12638 E. Washington (M81)
Reese, MI 48757
Lobby Hours:
M: 9:00am – 5:00pm
T, W, Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 12:30pm
9321 Sanilac (M46)
Richville, MI 48758
Lobby Hours:
M: 9:00am – 5:00pm
T, W, Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 5:30pm
Th: 10:00am – 5:30pm
F: 8:00am – 6:00pm
Sat: 9:00am – 12:30pm
6575 Belding Rd. NE Suite E
Rockford, MI 49341
Walk Up ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This ITM machine is also open for regular non face-to-face ATM transactions 24/7. This is not a location with staff on site.)
203 S Washington Ave
Saginaw, MI 48607
Lobby Hours:
M, T, W: 9:00am – 5:30pm
Th: 10:00am – 5:30pm
F: 9:00am – 5:30pm
Walk-Up ATM Live Teller Hours: (located at south entrance)
M, T & W:Â 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(This machine is also open for regular non face-to-face ATM transactions 24/7)
2796 Erna Dr.
Saginaw, MI 48603
Lobby Hours:
M: 9:00am – 5:00pm
T, W, Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Sat: 9:00am – 1:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 1:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
41 E Main St
Sebewaing, MI 48759
Teller Hours:
M-W: 9:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Thomas Township Branch
7531 Gratiot Rd Suite 1
Saginaw, MI, 48609
Lobby Hours:
M, T, W: 9:00am – 5:30pm
Th: 9:15am – 5:30pm
F: 9:00am – 6:00pm
Drive-Thru ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
Business Drive-Thru Hours:
M, T, W: 8:00am – 5:30pm
Th: 9:15am – 5:30pm
F: 800am – 6:00pm
3360 Tittabawassee Rd.
Saginaw, MI 48604
Lobby Hours:
M, T, W, Th, F: 10:00am – 7:00pm
Sat: 9:00am – 4:00pm
Walk Up ATM Live Teller Hours:
M, T, W: 8:00am – 7:00pm
Th: 9:15am – 7:00pm
F: 8:00am – 7:00pm
Sat: 9:00am – 2:00pm
(These machines are also open for regular non face-to-face ATM transactions 24/7)
113 W Huron Ave. (M15)
Vassar, MI 48768
Lobby Hours:
M: 9:00am – 5:00pm
T, W, Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 12:30pm
602 S. State (M15)
Vassar, MI 48768
Lobby Hours:
M: 9:00am – 5:00pm
T, W, Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Drive-Thru Hours:
M, T, W: 8:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 12:30pm
Our Call Center will provide extended support hours
Call  989-497-1600
Text  989-497-1600
Chat  Click Here
- Monday, Tuesday, Wednesday: 7:30am – 7pm
- Thursday: 9:30am – 7pm
- Friday: 7:30am – 7pm
- Saturday: 9am – 4pm
- Sunday: 12:30pm – 4pm
ATM Live Teller Machines, also known as ITM (Interactive Teller Machine), allow us to provide face-to-face service to our members through video technology with walk-up and drive-up machines. If you have ever talked to someone on Facetime or with webcam, it is very similar, but you are directly connected securely with a FCU service rep. Your FCU rep can preform any financial transaction you typically perform in a drive thru. Plus this machine can also function like an ATM, when you don’t need face-to-face assistance. The following branch locations feature an ATM Live Teller Machine (aka ITM):
Bad Axe
Bay City
Birch Run Meijer
Bridgeport
Caro
Cass City
Elkton
Fairgrove (no lobby hours – only ITM)
Freeland
Linwood
Mayville
Midland
Otisville
Rockford (no lobby hours – only ITM)
Saginaw Town & Country
SVRC Marketplace
Thomas Township
What is an ITM and how do I use it?
Watch instructional video
Frankenmuth CU
580 N Main St
Frankenmuth, MI, 48734
Frankenmuth Insurance (closed to public access)
1 Mutual Ave
Frankenmuth, MI, 48734
Heritage Park
601 Weiss St
Frankenmuth, MI, 48734
Frankenmuth CU
9321 Sanilac (M-46)
Richville, MI, 48758
Frankenmuth CU
9430 Meijer South Dr
Birch Run, MI, 48415
Frankenmuth CU
8131 Main St
Birch Run, MI, 48415
J and B Party Store
6035 E Holland Rd
Saginaw, MI, 48601
Frankenmuth CU
12638 E Washington (M-81)
Reese, MI, 48757
Frankenmuth CU
113 W Huron Ave (M-15)
Vassar, MI, 48768
Frankenmuth CU
602 S State St (M-15)
Vassar, MI, 48768
Frankenmuth CU
5540 Dixie Hwy
Saginaw, MI, 48601
Frankenmuth CU (Inside SVRC Building)
203 S Washington Ave
Saginaw, MI, 48607
Frankenmuth CU
7531 Gratiot Rd
Saginaw, MI, 48609
Frankenmuth CU
410 N State Rd (M-15)
Otisville, MI, 48463
Otter Lake Central Gas Station
5909 Lake Rd
Otter Lake, MI, 48464
Frankenmuth CU
3017 Center Ave
Essexville, MI, 48732
Frankenmuth CU
800 N Euclid Ave
Bay City, MI, 48706
Frankenmuth CU
8 S Huron Rd
Linwood, MI, 48634
Wenonah Park (By Concessions Building)
111 Center Ave
Bay City, MI, 48708
Frankenmuth CU
5002 Center St
Fairgrove, MI, 48733
Frankenmuth CU
1060 W Caro Rd (M-81)
Caro, MI, 48723
Frankenmuth CU
111 S Main St
Freeland, MI, 48623
Frankenmuth CU
401 S Saginaw Rd
Midland, MI, 48640
Frankenmuth CU
6141 E Cass City Rd
Cass City, MI, 48726
Frankenmuth CU
47 N Main St
Elkton, MI, 48731
Frankenmuth CU
710 N Van Dyke Rd
Bad Axe, MI, 48413
CO-OP’s nearly 30,000 ATMs means you have more direct, surcharge-free* access to your money than most traditional bank customers do.
OR
To locate an FCU or CO-OP Network ATM near you, text MYCOOP to 91989 from your mobile phone. In the body of the text, enter an address (with city, state), a zip code, or an intersection (with city, state) of where you want to search for an ATM.
Please mail all payments to:
Frankenmuth Credit Union
PO Box 209
Frankenmuth, MI 48734
Frankenmuth Credit Union’s Mailing Address is:
Frankenmuth Credit Union
PO Box 209
Frankenmuth, MI 48734
Frankenmuth Credit Union has branches in our local high schools, where students and staff have access to their accounts right at the school.
One of the perks of being a member at Frankenmuth Credit Union is being able to use our coin counting machines for NO FEE! Turn that loose change into cash!
We have coin counters in the following branches:
*Non-members can use our coin counters for a 7% fee
- Bad Axe
- Bay City
- Birch Run Main
- Birch Run Meijer
- Bridgeport
- Caro
- Cass City
- Elkton
- Essexville
- Frankenmuth
- Freeland
- Linwood
- Midland
- Millington
- Otisville
- Reese
- Richville
- Saginaw Town & Country
- SVRC
- Thomas Township
- Vassar
- Downtown Vassar
Anyone looking to secure their important and irreplaceable belongings outside their home can rent a Safety Deposit Box for as low as $25 a year! VIP Platinum Members can save $5.00 a year.
Store important documents like birth certificates, marriage license, property deeds-titles, inventory of personal possessions and estate planning instructions.
- FCU Main
- Birch Run Meijer
- Bridgeport
- Linwood
- Midland
- Otisville (lock boxes)
- Downtown Vassar
Protect your valuables, your important documents and your estate planning instructions with a Safety Deposit Box at a Frankenmuth Credit Union branch near you! For pennies a day, you can keep your treasures, titles, deeds, family documents and financial records safe from fire, accidents or even a natural disaster with a Safety Deposit Box! And, VIP Platinum Members can save $5.00 a year! But hurry—boxes are limited.
- Frankenmuth Main Branch
- Bad Axe
- Bay City
- Birch Run Meijer
- Birch Run Main
- Bridgeport
- Caro
- Cass City
- Elkton
- Essexville
- Freeland
- Linwood
- Midland
- Millington
- Otisville
- Reese
- Richville
- Saginaw Town & Country
- SVRC
- Thomas Township
- Vassar Main
- Vassar Downtown