Credit Card Rates

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

*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: December 21, 2024

Disclosures

*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 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 Mastercard Credit Card 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.

**FCU DIAMOND MASTERCARD holders – earn Unlimited 2% CASH BACK! on every purchase, every day. This offer is for current Frankenmuth Credit Union Diamond Card Members only and FCU members new to an FCU Diamond Credit Card. Offer excludes all other FCU cardholders, including but not limited to 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. 6.9% APR is for balance transfer. New purchases may be as low as 10% APR* Subject to Credit Evaluation. This offer is available for a limited time and my expire at any time and without notice. 2% Foreign Transaction Fee involving currency conversion may apply.

Click here for Credit Card Disclosures.