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
Fax # 989-497-1659
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
S: 9:00am – 12:30pm
Business Drive-Thru Hours:
M, T, W: 9:00am – 5:00pm
Th: 9:15am – 5:00pm
F: 9:00am – 6:00pm
S: 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)
Fax # 989-623-0909
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)
Fax # 989-439-1707
(no in-person member services at this location)
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
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)
Fax # 989-244-6400
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
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
Fax # 989-286-3570
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: 9:00am – 5:00pm
Th: 10:00am – 5:00pm
F: 9:00am – 6:00pm
Fax # 989-912-2223
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)
Fax # 989-375-5047
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 # 989-439-1016
(no in-person member services at this location)
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)
Fax # 989-573-8384
8400 Gratiot Rd.
Saginaw, MI 48609
Lobby Hours:
M, T, W, Th, F: 10:00am – 7:00pm
Sat: 9:00am – 4:00pm
8970 Sand Beach Rd
Harbor Beach, MI 48441
Mobile Branch Hours:
M: 9:00am – 5:00pm
Th: 9:15am – 5:00pm
The mobile branch features an ATM on the outside of the bus that is accessible 24/7.
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)
Fax # 989-697-3758
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
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)
Fax # 989-843-1103
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
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
Fax # 989-486-9542
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)
Fax # 989-871-2250
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)
Fax # 810-374-6445
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
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 # 989-725-5421
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
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)
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
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
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)
Fax # 989-759-9370
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)
Fax # 989-792-0477
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
Fax # 989-704-1070
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
Fax # 989-401-3388
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 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)
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
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
3691 M-55
West Branch, MI 48661
Lobby Hours:
M, T, W, Th, F: 10:00am – 7:00pm
Sat: 9:00am – 4:00pm
All Frankenmuth Credit Union branches will be closed on Monday, May 29th, 2023, in observance of Memorial Day.
For a full list of holidays Frankenmuth Credit Union is closed on, click here.
Our Call Center is available to help members by phone or text message.
Call  989-497-1600
Text  989-497-1600
- Monday, Tuesday, Wednesday: 7:30am – 7:00pm
- Thursday: 9:15am – 7:00pm
- Friday: 7:30am – 7:00pm
- Saturday: 9:00am – 4:00pm
- Sunday: 10:00am – 4:00pm
You can also chat with a live call center rep through our chatbot Carl. Click on the CARL icon on the bottom right corner and type in “talk to a live agent” and follow the prompts.
Our live chat agents are available:
- Monday – Friday: 9:00am – 6:00pm
- Saturday: 9:00am – 2:00pm
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
Vassar – Downtown Branch
What is an ITM and how do I use it?
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
Harbor Beach
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
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.
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 Marketplace
- Thomas Township
- 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
- Owosso
- Pigeon
- Reese
- Richville
- Saginaw Town & Country
- Sebewaing
- SVRC Marketplace
- Thomas Township
- Vassar Main
- Vassar Downtown