Mastercard
6.9% APR*
balance transfer with
2% unlimited cash back* on all purchases!
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
6.9% APR* Balance Transfer
2.0%
CASH BACK
mastercard
Unlimited 2% Cash Back*
6.9%* APR Balance Transfer
No Annual Fee
No Balance Transfer Fee
No Cash Advance Fee
90 Days No Pay***
WOW
Platinum
6.9% APR* Balance Transfer
EARN
Rewards on Purchases
mastercard
Earn Rewards on Purchases >
6.9%* 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*

8.25%

APR as low as*

10.0%

APR as low as*

8.99%

APR as low as*

13.25%

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).

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.)

Effective July 8, 2024, Frankenmuth Credit Union will no longer offer Visa pre-paid debit cards, general purpose reloadable cards and gift cards. Current Visa pre-paid debit cards, general purpose reloadable cards and gift card cardholders will have the opportunity to spend down the remaining funds associated with their cards until April 30, 2025. We are encouraging cardholders to use their balances before April 30, 2025.

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.

MasterCardAPR*Benefits
as low as
Diamond CashBack10%**Earn 2% cash back on all purchases
Simply Platinum8.99%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 Equity8.50%, Rate tied to Prime***Less than 80% Loan to Value
Prime Plus Gold Home Equity9.25%, Rate tied to Prime + .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. *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.

Effective Date: July 20, 2024

MasterCardAPR*Benefits
as low as
Business Platinum13.50%, Rate tied to Prime + 5.00%Earn points on each purchase for travel, merchandise or cash
Balance Transfer Promo11.50%, Rate tied to Prime + 3.00%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. 2% Foreign Transaction Fee involving currency conversion may apply. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information.

Effective Date: July 20, 2024
MV 3DS Secure Code: One Time Passcode Terms and Conditions for online transactions using your Debit and Credit Card

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

  1. 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
  2. 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.
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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.)

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

4.9% APR Mastercard Diamond Offer: *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 transfer amount. For 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. 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 2% cash back on all purchases
Simply Platinum8.99%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 Equity8.50%, Rate tied to Prime***Less than 80% Loan to Value
Prime Plus Gold Home Equity9.25%, Rate tied to Prime + .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. *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.

Effective Date: July 20, 2024

MasterCardAPR*Benefits
as low as
Business Platinum13.50%, Rate tied to Prime + 5.00%Earn points on each purchase for travel, merchandise or cash
Balance Transfer Promo11.50%, Rate tied to Prime + 3.00%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. 2% Foreign Transaction Fee involving currency conversion may apply. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information.

Effective Date: July 20, 2024

Credit Card Rate, Fee and Other Cost Information

Schumar Box-Rates

Scorecard

With every purchase you can earn points towards cash, travel or merchandise.

Scorecard

With every purchase you can earn points towards cash, travel or merchandise

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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