Diamond Credit Card
Mastercard
4.9% APR*
balance transfer with
1.5% unlimited cash back on all purchases all the time!
Home Equity
Choose Low Variable Rate
LOW
Variable Rate
mastercard
Competitive Low Rate
Rate Tied to Prime or Fixed Rate
No Annual Fee
No Balance Transfer Fee
No Cash Advance Fee
Flexible Repayment
WOW
Diamond
4.9% APR* Balance Transfer
1.5%
CASH BACK
mastercard
Unlimited 1.5% Cash Back
4.9%* APR Balance Transfer
No Annual Fee
No Balance Transfer Fee
No Cash Advance Fee
90 Days No Pay**
WOW
Platinum
4.9% APR* Balance Transfer
EARN
Rewards on Purchases
mastercard
Earn Rewards on Purchases >
4.9%* APR Balance Transfer
No Annual Fee
No Balance Transfer Fee
No Cash Advance Fee
90 Days No Pay**
TRUE BUSINESS
With ScoreCard Rewards
LOW
Rate
mastercard
Low Rate
Earn Rewards on Purchases >
No Annual Fee
No Balance Transfer Fee
No Cash Advance Fee
Flexible Repayment
current rates
APR as low as*

4.00%

APR as low as*

10%

APR as low as*

7.99%

APR as low as*

9.75%

mastercard benefits

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).

CONTACTLESS PAYMENT

Load your Mastercard into your mobile wallet for contactless checkout. Use it at stadiums, restaurants, gas stations, grocery stores and more.

Extended Warranty

Get an extended warranty benefit that extends the terms of the original manufacturer’s warranty (up to one year for Standard).

MANAGE 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.

Debit Card

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.)

Frankenmuth Credit Union offers Visa pre-paid debit cards available in our branches. Protect yourself when you shop on-line by registering your FCU Visa card at Verified by Visa.

APR: Annual Percentage Rate

*APR = Annual Percentage Rate. Offer may end at any time and must meet FCU normal underwriting guidelines to qualify. Those with a credit score of 550 or higher with accounts in good standing at FCU may qualify for the 4.9% APR offer for the life of the balance amount. Those with a credit score of 549 or less may qualify for a rate of 10.9% APR for the life of the balance transfer amount. Brand new Simply Platinum or Diamond Mastercard Credit Card will receive the promotion rate of 4.9% APR for credit scores 550 or higher or 10.9% APR for credit scores 549 or lower on brand-new purchases for 12 months. **This offer is for current Frankenmuth Credit Union members only and FCU members new to an FCU Credit Card. Offer excludes Home Equity Lines of Credit/Credit Cards. This offer does not require a payment for the first 90 days. Interest will accrue. Must be a member in good standing and have not caused Frankenmuth Credit Union a loss. Subject to approval. To Apply: choose Credit Card in pull-down. 4.9% APR is for balance transfer. New purchases may be as low as 10.0% APR* Subject to Credit Evaluation. This offer is available for a limited time and may expire at any time and without notice.

MasterCardAPR*Benefits
as low as
Diamond CashBack10%**Earn 1.5% cash back on all purchases
Simply Platinum7.99%Earn points towards rewards.
Gold Home Equity7.90%Less than 80% Loan to Value
Gold Home Equity8.90%Greater than 80% Loan to Value
Prime Gold Home EquityPrime***Less than 80% Loan to Value
Prime Plus Gold Home EquityPrime + .75%***Greater than 80% Loan to Value
*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. **Diamond Mastercard earns 1.5% 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. *Offer may end at any time and must meet FCU normal underwriting guidelines to qualify. Those with a credit score of 550 or higher with accounts in good standing at FCU may qualify for the 4.9%APR offer for the life of the balance amount. For those with a credit score of 549 or less, maybe qualify for a rate of 10.9%APR for the life of the balance transfer amount.
Brand new Simply Platinum or Diamond Mastercard Credit Card will receive the promotion rate of 4.9%APR for credit scores 550 or higher or 10.9%APR for credit scores 549 or lower on brand-new purchases for 12 months.
***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.

Effective Date: July 28, 2021

MasterCardAPR*Benefits
as low as
Business Platinum8.25%Earn points on each purchase for travel, merchandise or cash.
Balance Transfer Promotion6.25%Special Rate for debt transferred from accounts outside FCU
*APR=Annual Percentage Rate. Rate: Prime + 5.00% not to go below a floor of 8.00%APR. Balance Transfer Promotion Rate: Prime + 3.00%. Debt must be from outside FCU. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information.

Effective Date: July 28, 2021
Debit Card

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.)

Frankenmuth Credit Union offers Visa pre-paid debit cards available in our branches. Protect yourself when you shop on-line by registering your FCU Visa card at Verified by Visa.

APR: Annual Percentage Rate

5.9% APR Mastercard Diamond Offer: *Those with a credit score of 620 or higher with accounts in good standing at FCU may qualify for the 5.9%APR offer for the life of the balance transfer amount. For those with a credit score of 619 or less may qualify for a rate of 12.9%APR for the life of the balance transfer amount. Offer may end at any time and must meet FCU normal underwriting guidelines to qualify.

Loan rates and approval subject to credit score and analysis. See credit union for details. Loan rates subject to change without notice. Equal opportunity lender. 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.

MasterCardAPR*Benefits
as low as
Diamond CashBack10%**Earn 1.5% cash back on all purchases
Simply Platinum7.99%Earn points towards rewards.
Gold Home Equity7.90%Less than 80% Loan to Value
Gold Home Equity8.90%Greater than 80% Loan to Value
Prime Gold Home EquityPrime***Less than 80% Loan to Value
Prime Plus Gold Home EquityPrime + .75%***Greater than 80% Loan to Value
*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. **Diamond Mastercard earns 1.5% 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. *Offer may end at any time and must meet FCU normal underwriting guidelines to qualify. Those with a credit score of 550 or higher with accounts in good standing at FCU may qualify for the 4.9%APR offer for the life of the balance amount. For those with a credit score of 549 or less, maybe qualify for a rate of 10.9%APR for the life of the balance transfer amount.
Brand new Simply Platinum or Diamond Mastercard Credit Card will receive the promotion rate of 4.9%APR for credit scores 550 or higher or 10.9%APR for credit scores 549 or lower on brand-new purchases for 12 months.
***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.

Effective Date: July 28, 2021

MasterCardAPR*Benefits
as low as
Business Platinum8.25%Earn points on each purchase for travel, merchandise or cash.
Balance Transfer Promotion6.25%Special Rate for debt transferred from accounts outside FCU
*APR=Annual Percentage Rate. Rate: Prime + 5.00% not to go below a floor of 8.00%APR. Balance Transfer Promotion Rate: Prime + 3.00%. Debt must be from outside FCU. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information.

Effective Date: July 28, 2021

Credit Card Rate, Fee and Other Cost Information

Schumar Box-Rates

Scorecard

WITH EVERY PURCHASE YOU CAN EARN POINTS TOWARDS TRAVEL, MERCHANDISE or CASH

Scorecard

WITH EVERY PURCHASE YOU CAN EARN POINTS TOWARDS TRAVEL, MERCHANDISE or CASH

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.

Consumer Simply Platinum Cards
  • 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.

MasterCard Business Platinum
  • 15,000 points $150
  • 20,000 points $200
  • 25,000 points $250

*Contact Frankenmuth Credit Union.  Restrictions apply, contact us for more information.

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