Use our scheduler to make an in-branch appointment. Schedule Visit > Note: we are not able to schedule mortgage/home equity appointments online, please call 989-497-1600 for inquiries.

Coin Counters >

School Branches >

We’re Here To Help

Call Us

Text Us

Live Chat

Schedule

QUICK LINKS

Call Us

Text Us

Live Chat

Schedule

Question-Answer

What are the branch locations and hours?

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.

Frankenmuth Main Branch

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

Fax # 989-497-1659

Bad Axe Branch

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)

Fax # 989-623-0909

Bay City Branch

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

Fax # 989-439-1707

Birch Run Main Branch

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

Fax # 989-624-4214

Birch Run Meijer Branch

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

Fax # 989-244-6400

Bridgeport Branch

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)

Fax # 989-401-7916

Caro Branch

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

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

Fax # 989-286-3570

Cass City Branch

6141 Cass City Rd

Cass City, MI, 48726

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

Fax # 989-912-2223

Elkton Branch

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

Fax # 989-375-5047

Essexville Branch

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

Fax # 989-439-1015

Fairgrove -Virtual Branch

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)

Freeland Branch

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

Fax # 989-573-8384

Gratiot Meijer Branch

8400 Gratiot Rd.
Saginaw, MI 48609

Lobby Hours:
M, T, W, Th, F: 10:00am – 7:00pm
Sat: 9:00am – 4:00pm

Linwood Branch

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

Fax # 989-697-3758

Mayville Branch

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

Fax # 989-843-1103

Midland Branch

401 S Saginaw Rd
Midland, MI 48640

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: 8:00am – 5:00pm
Th: 9:15am – 5:00pm
F: 8:00am – 6:00pm

Fax # 989-486-9542

Millington Branch

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

Fax # 989-871-2246

Otisville Branch

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

Fax # 810-374-6445

Owosso Branch

2267 E. Main St. (M-21)
Owosso, MI, 48867

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 Hours:
M, T, W: 8:00am – 5:00pm
Th: 9:15am – 5:00pm
F: 8:00am – 6:00pm
Sat: 9:00am – 12:30pm

Fax # 989-725-5421

Pigeon

15 N. Caseville Rd
Pigeon, MI 48755

Lobby Hours:
M, T, W: 9:00am – 5:30pm
Th: 10:00am – 5:30pm
F: 9:00am – 6:00pm
Sat: 9:00am – 1:00pm

Reese Branch

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

Fax # 989-868-4031

Richville Branch

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

Fax # 989-868-3781

Saginaw – SVRC Marketplace

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: 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)

Fax # 989-759-9371

Saginaw Town and Country Branch

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

Fax # 989-792-0477

Sebewaing Branch

41 E Main St
Sebewaing, MI 48759

Teller Hours:
M-W: 9:00am – 5:00pm
Th: 9:15am – 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

Business Drive-Thru Hours:
M, T, W: 8:00am – 5:30pm
Th: 9:15am – 5:30pm
F: 800am – 6:00pm

Fax # 989-401-3388

Tittabawassee Meijer Branch

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)

Vassar-Downtown Branch

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

Fax # 989-882-9660

Vassar-Main Branch

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

Fax # 989-823-3419

West Branch Meijer Branch

3691 M-55
West Branch, MI 48661

Lobby Hours:
M, T, W, Th, F: 10:00am – 7:00pm
Sat: 9:00am – 4:00pm

What are the holiday hours?

All FCU offices will be closed on Monday, October 10th, 2022 in observance of Columbus Day.

What are the Call Center Hours?

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: 9:15am – 7pm
Friday: 7:30am – 7pm
Saturday: 9am – 4pm
Sunday: 12:30pm – 4pm

Where can I find an ITM?

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
Freeland
Linwood
Mayville
Midland
Millington
Otisville
Owosso
Pigeon
Saginaw Town & Country
SVRC Marketplace
Tittabawassee Meijer
Thomas Township

What is an ITM and how do I use it?
Watch instructional video

Where can I find an FCU ATM?

The following branch locations feature ATM’s for 24/7 cash withdrawals:

Frankenmuth
Bad Axe
Bay City
Birch Run Main
Birch Run Meijer
Bridgeport
Caro
Cass City
Elkton
Essexville
Fairgrove
Freeland
Gratiot Meijer
Linwood
Mayville
Midland
Millington
Otisville
Owosso
Pigeon
Reese
Richville
Saginaw Town & Country
Saginaw SVRC Marketplace
Thomas Township
Tittabawassee Meijer
Vassar Main
Vassar Downtown
West Branch

You can also find an FCU ATM at the following locations:

Uptown North Main
975 N Main St, Frankenmuth, MI, 48734

Frankenmuth Insurance (closed to public access)
1 Mutual Ave, Frankenmuth, MI, 48734

Heritage Park (Harvey Kern Pavilion)
601 Weiss St, Frankenmuth, MI, 48734

Winter Village Retirement Community
255 Mayer Rd, Frankenmuth, MI, 48734

J & B Party Store
6035 E Holland Rd, Saginaw, MI, 48601

Otter Lake Central Gas Station
5909 Lake Rd, Otter Lake, MI, 48464

Wenonah Park (By Concessions Building)
111 Center Ave, Bay City, MI, 48708

SURCHARGE-FREE ACCESS TO YOUR MONEY, ALMOST ANYWHERE

CO-OP’s nearly 30,000 ATMs means you have more direct, surcharge-free* access to your money than most traditional bank customers do.

Search ATM

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.

Where do I send my payment?

Please mail all payments to:

Frankenmuth Credit Union
PO Box 209
Frankenmuth, MI 48734

What is FCU's mailing address?

Frankenmuth Credit Union’s Mailing Address is:

Frankenmuth Credit Union
PO Box 209
Frankenmuth, MI 48734

What is your email address?

Please use secure email form below to email us.

Where are your school branches?

Frankenmuth Credit Union has branches in our local high schools, where students and staff have access to their accounts right at the school.

Eagle Credit Union (Frankenmuth)

Panther Credit Union (Birch Run)

Rock It Credit Union (Reese)

Eagles Landing Credit Union (Juniata)

What branches have coin counters?

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
Owosso
Reese
Richville
Saginaw Town & Country
Saginaw SVRC Marketplace
Thomas Township
Vassar Main
Downtown Vassar

Which branches have safety deposit boxes?

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.

Which branches have a night drop?

Frankenmuth Main Branch
Bad Axe
Bay City
Birch Run Meijer
Birch Run Main
Bridgeport
Caro
Cass City
Elkton
Essexville
Freeland
Linwood
Midland
Millington
Otisville
Owosso
Pigeon
Reese
Richville
Saginaw Town & Country
Saginaw SVRC Marketplace
Sebewaing
Thomas Township
Vassar Main
Vassar Downtown

Frequently asked questions

Enter Your Username

Other logins

We’re Here To Help

QUICK LINKS

What are the branch locations and hours?

What are the holiday hours?

What are the Call Center Hours?

Where can I find an ITM?

Where can I find an FCU ATM?

Where do I send my payment?

What is FCU's mailing address?

What is your email address?

Where are your school branches?

What branches have coin counters?

Which branches have safety deposit boxes?

Which branches have a night drop?

Wire Transfers

Activate New Card

Change Card Pin

CUTalk

Vacation-Travel

Update Info

FCU Handbook

Password Reset

Dispute Transaction

Newsletter

Annual Report

World’s Greatest

Helpful Links

Frequently asked questions