8.25%
10.0%
8.99%
13.25%
Mastercard cardholders get preferred access to an array of valuable offers, upgrades and experiences. To learn about the benefits available, use the button below or call 1-800-Mastercard (1-800-627-8372).
Go Mobile
Load your Mastercard into your mobile wallet for contactless checkout. Use it at stadiums, restaurants, gas stations, grocery stores and more.
Tap-To-Pay
Place tap card card within a few inches of a contactless-enabled payment terminal to pay. Tap cards are available for Mastercard debit and credit cards.
CARD CONTROL
Get instant notifications when transactions occur, turn cards on and off and report lost or stolen cards. Inside the FCU App > Manage My Cards.
Introducing EMV® Technology: The New Standard in Card Security
- EMV transactions provide another layer of fraud protection, on top of all the security measures already in force.
- Frankenmuth Credit Union cards include both the EMV chip and the conventional magnetic stripe, enabling your cards to work at all merchants that accept cards.
- It’s as easy as 1, 2, 3 to use your card at an EMV-equipped merchant, simply:
- Insert the chip end of your card in the EMV terminal
- Keep the card in the terminal, follow the prompts and enter your PIN or select CREDIT
Report Blocked or Fraud with a Frankenmuth Credit Union Debit or Credit Card
Call 1.888.241.2440 (inside U.S.) or 1.909.941.1034 (outside U.S.)
Lost or Stolen Frankenmuth Credit Union Debit or Credit Card?
Call 1.888.241.2510 (inside U.S.) or 1.909.941.1398 (outside U.S.)
Prepaid Visa gift cards are available at Frankenmuth CU branches*. If using the gift card for online and phone purchases, please use button below for registration.
- $10.00 minimum-limit load
- $1000 maximum-limit load
- Cost to purchase: 1200 VIP points-or $5.00 a card
*Available at all branches except FCU Gratiot and Tittabawassee Meijer locations.
APR: Annual Percentage Rate
*APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU’s normal underwriting qualifications to be approved. Contact FCU for more information. *Offer may end at any time and must meet FCU normal underwriting guidelines to qualify. Simply Platinum Card: Those with a credit score of 636 or higher with accounts in good standing at FCU may qualify for the 6.9%APR offer for the life of the balance transfer amount. For those with a credit score of 635 or less, may qualify for a rate of 12.9%APR for the life of the balance transfer amount. Brand new Simply Platinum cards will receive the promotion rate of 6.9%APR for credit scores 636 or higher or 12.9%APR for credit scores 635 or lower on brand-new purchases for 12 months. Diamond Card: Those with a credit score of 550 or higher with accounts in good standing at FCU may qualify for the 6.9%APR offer for the life of the balance transfer amount. For those with a credit score of 549 or less, may qualify for a rate of 12.9%APR for the life of the balance transfer amount. Brand new Diamond cards will receive the promotion rate of 6.9%APR for credit scores 550 or higher or 12.9%APR for credit scores 549 or lower on brand-new purchases for 12 months. 2% Foreign Transaction Fee involving currency conversion may apply.
**Diamond Mastercard earns 2.0% cash back on all purchases and 550 or higher credit score to qualify for 10%APR. 549 or lower credit score to qualify for 17%APR. No annual fee.
***Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front and fees are disclosed at time of application. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment in calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.
| MasterCard | APR* | Benefits |
|---|---|---|
| as low as | ||
| Diamond CashBack | 10%** | Earn 2% cash back on all purchases |
| Simply Platinum | 8.99% | Earn points towards rewards. |
| Gold Home Equity | 7.90% | Less than 80% Loan to Value |
| Gold Home Equity | 8.90% | Greater than 80% Loan to Value |
| Prime Gold Home Equity | 7.50%, Rate tied to Prime*** | Less than 80% Loan to Value |
| Prime Plus Gold Home Equity | 8.25%, Rate tied to Prime + .75%*** | Greater than 80% Loan to Value |
**Diamond Mastercard earns 2.0% cash back on all purchases and 550 or higher credit score to qualify for 10%APR. 549 or lower credit score to qualify for 17%APR. No annual fee.
***Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front and fees are disclosed at time of application. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment in calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.
| MasterCard | APR* | Benefits |
|---|---|---|
| as low as | ||
| Business Platinum | 12.50%, Rate tied to Prime + 5.00% | Earn points on each purchase for travel, merchandise or cash |
| Balance Transfer Promo | 10.50%, Rate tied to Prime + 3.00% | Special Rate for debt transferred from accounts outside FCU |
Please read these terms and conditions carefully and make sure you have fully understood before using this service. By using this service after you have read these Terms and Conditions shall mean that you have accepted such Terms and Conditions
- When making an online transaction that required OTP, the OTP will be sent to your mobile phone number already registered in Frankenmuth Credit Union’s system via SMS. You must then enter your OTP to complete your transaction on the page of your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that Frankenmuth Credit Union are not responsible for the rejection by such merchant to accept your card payments on the basis of this
- By using this OTP service:
a. You agree to provide your data required for the transaction authorization process in the use of this OTP service
b. You agree to keep the confidentiality of your card number or personal information that you have entered to this service. If you let someone else use your passcode to others, you will be responsible for all claims, losses and other consequences relating to all transactions that have taken place using this service.
c. You understand that OTP service can be used only for transactions at the merchants online that have 3DS Secure.
d. You agree that the Credit Union is not liable for losses arising from your failure to comply with these Terms and Conditions
e. You understand that messages and data rates may apply for using this service.
No more forgotten passwords! Add your card to Mastercard® Click to Pay, then simply click “Remember me” and speed through checkouts – fast and secure, no password required.
Store multiple cards in one secure profile without sharing your payment details every time you check out. With Mastercard®, you’ll have your cards at your fingertips wherever Click to Pay is available.
Frankenmuth Credit Union branches* now offer everyday Visa spend cards. Card will be embossed with your name and mailed to you in 7-10 business days. There is a $3.95 monthly maintenance fee.
- $10.00 minimum-limit load
- $5000 maximum-limit load
- Cost to purchase: 1200 VIP points-or $5.00 a card
- Can be loaded into your Apple Pay or Google Mobile Wallet
*Available at all branches except FCU Gratiot and Tittabawassee Meijer locations.
Activation required. Click link above or call 833-729-2853
Introducing EMV® Technology: The New Standard in Card Security
- EMV transactions provide another layer of fraud protection, on top of all the security measures already in force.
- Frankenmuth Credit Union cards include both the EMV chip and the conventional magnetic stripe, enabling your cards to work at all merchants that accept cards.
- It’s as easy as 1, 2, 3 to use your card at an EMV-equipped merchant, simply:
- Insert the chip end of your card in the EMV terminal
- Keep the card in the terminal, follow the prompts and enter your PIN or select CREDIT
Lost or Stolen Frankenmuth Credit Union Debit or Credit Card? Call 1.888.241.2510 (inside U.S.) or 1.909.941.1398 (outside U.S.)
Report Blocked or Fraud with a Frankenmuth Credit Union Debit or Credit Card
Call 1.888.241.2440 (inside U.S.) or 1.909.941.1034 (outside U.S.)
Prepaid Visa gift cards are available at Frankenmuth CU branches*. If using the gift card for online and phone purchases, please use button below for registration.
*Available at all branches except FCU Gratiot and Tittabawassee Meijer locations.
- $10.00 minimum-limit load
- $1000 maximum-limit load
- Cost to purchase: 1200 VIP points-or $5.00 a card
APR: Annual Percentage Rate
*APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU’s normal underwriting qualifications to be approved. Contact FCU for more information. *Offer may end at any time and must meet FCU normal underwriting guidelines to qualify. Simply Platinum Card: Those with a credit score of 636 or higher with accounts in good standing at FCU may qualify for the 6.9%APR offer for the life of the balance transfer amount. For those with a credit score of 635 or less, may qualify for a rate of 12.9%APR for the life of the balance transfer amount. Brand new Simply Platinum cards will receive the promotion rate of 6.9%APR for credit scores 636 or higher or 12.9%APR for credit scores 635 or lower on brand-new purchases for 12 months. Diamond Card: Those with a credit score of 550 or higher with accounts in good standing at FCU may qualify for the 6.9%APR offer for the life of the balance transfer amount. For those with a credit score of 549 or less, may qualify for a rate of 12.9%APR for the life of the balance transfer amount. Brand new Diamond cards will receive the promotion rate of 6.9%APR for credit scores 550 or higher or 12.9%APR for credit scores 549 or lower on brand-new purchases for 12 months. 2% Foreign Transaction Fee involving currency conversion may apply.
**Diamond Mastercard earns 2.0% cash back on all purchases and 550 or higher credit score to qualify for 10%APR. 549 or lower credit score to qualify for 17%APR. No annual fee.
***Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front and fees are disclosed at time of application. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment in calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.
| MasterCard | APR* | Benefits |
|---|---|---|
| as low as | ||
| Diamond CashBack | 10%** | Earn 2% cash back on all purchases |
| Simply Platinum | 8.99% | Earn points towards rewards. |
| Gold Home Equity | 7.90% | Less than 80% Loan to Value |
| Gold Home Equity | 8.90% | Greater than 80% Loan to Value |
| Prime Gold Home Equity | 7.50%, Rate tied to Prime*** | Less than 80% Loan to Value |
| Prime Plus Gold Home Equity | 8.25%, Rate tied to Prime + .75%*** | Greater than 80% Loan to Value |
**Diamond Mastercard earns 2.0% cash back on all purchases and 550 or higher credit score to qualify for 10%APR. 549 or lower credit score to qualify for 17%APR. No annual fee.
***Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front and fees are disclosed at time of application. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment in calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.
| MasterCard | APR* | Benefits |
|---|---|---|
| as low as | ||
| Business Platinum | 12.50%, Rate tied to Prime + 5.00% | Earn points on each purchase for travel, merchandise or cash |
| Balance Transfer Promo | 10.50%, Rate tied to Prime + 3.00% | Special Rate for debt transferred from accounts outside FCU |
Credit Card Rate, Fee and Other Cost Information
Schumar Box-Rates
No more forgotten passwords! Add your card to Mastercard® Click to Pay, then simply click “Remember me” and speed through checkouts – fast and secure, no password required.
Store multiple cards in one secure profile without sharing your payment details every time you check out. With Mastercard®, you’ll have your cards at your fingertips wherever Click to Pay is available.
Frankenmuth Credit Union branches* now offer everyday Visa spend cards. Card will be embossed with your name and mailed to you in 7-10 business days. There is a $3.95 monthly maintenance fee.
- $10.00 minimum-limit load
- $5000 maximum-limit load
- Cost to purchase: 1200 VIP points-or $5.00 a card
- Can be loaded into your Apple Pay or Google Mobile Wallet
*Available at all branches except FCU Gratiot and Tittabawassee Meijer locations.
Activation required. Click link above or call 833-729-2853
Redeem ScoreCard Reward points for travel or merchandise.
To redeem points for cash, please Contact Us at 989-497-1600. See below for examples of how our cash redemption works.
- 5,000 points $25
- 10,000 points $75
- 15,000 points $125
- 20,000 points $175
- 25,000 points $235
*Contact Frankenmuth Credit Union. Restrictions apply, contact us for more information.
Redeem ScoreCard Reward points for travel or merchandise.
To redeem points for cash, please Contact Us at 989-497-1600. See below for examples of how our cash redemption works.
- 15,000 points $150
- 20,000 points $200
- 25,000 points $250
*Contact Frankenmuth Credit Union. Restrictions apply, contact us for more information.
