Here are just a few of the savings products available to our young members.
| Min. | Max. | APY** | Div Rate* |
|---|---|---|---|
| Dollar Amount | Maximum Dollar Amount | ||
| $100.00 | $9,999 | 0.02% | 0.02% |
| $10,000 | $24,999 | 0.02% | 0.02% |
| $25,000 | $99,999 | 0.02% | 0.02% |
| $100,000 | and up | 0.02% | 0.02% |
*Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge. **APY=Annual Percentage Yield. Rates may change at any time. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.
Effective Date: May 28, 2023
FCU members at any age can also enjoy the higher returns that CD’s also offer.
| CD Type | APY* | Div Rate** | Min. | Details |
|---|---|---|---|---|
| Minimum Investment | Description | |||
| $500 - $99,999 | ||||
| 7 Months | 3.30% | 3.25% | $500 | Good for funds new to FCU only |
| 13 Months | 3.43% | 3.38% | $500 | Good for funds already at FCU and new funds. |
| 19 Month Bump** | 4.15% | 4.07% | $500 | Good for funds new to FCU only. |
| 21 Months | 4.00% | 3.93% | $500 | Good for funds already at FCU and new funds. |
| 33 Months*** | 3.81% | 3.74% | $500 | Good for funds new to FCU only, CD must be opened in person at branches listed below. |
| $100,000 - $149,000 | ||||
| 7 Months | 3.60% | 3.54% | $100,000 | Good for funds new to FCU only |
| 13 Months | 3.48% | 3.43% | $100,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump** | 4.20% | 4.12% | $100,000 | Good for funds new to FCU only |
| 21 Months | 4.25% | 4.17% | $100,000 | Good for funds already at FCU and new funds. |
| 33 Months*** | 3.85% | 3.78% | $100,000 | Good for funds new to FCU only, CD must be opened in person at branches listed below. |
| $150,000 - $249,999 | ||||
| 7 Months | 3.90% | 3.83% | $150,000 | Good for funds new to FCU only |
| 13 Months | 3.53% | 3.47% | $150,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump** | 4.25% | 4.17% | $150,000 | Good for funds new to FCU only |
| 21 Months | 4.61% | 4.51% | $150,000 | Good for funds already at FCU and new funds. |
| 33 Months*** | 3.90% | 3.83% | $150,000 | Good for funds new to FCU only, CD must be opened in person at branches listed below. |
| $250,000 - and up | ||||
| 7 Months | 4.20% | 4.12% | $250,000 | Good for funds new to FCU only |
| 13 Months | 3.58% | 3.52% | $250,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump** | 4.30% | 4.22% | $250,000 | Good for funds new to FCU only |
| 21 Months | 5.00% | 4.89% | $250,000 | Good for funds already at FCU and new funds. |
| 33 Months*** | 3.95% | 3.88% | $250,000 | Good for funds new to FCU only, CD must be opened in person at branches listed below. |
*APY = Annual Percentage Yield. Contact us for more information. Requires $500 minimum investment for a Certificate of Deposit. Rates may differ depending on the amount investing. Members will forfeit dividends if accounts closed before accrued dividends are posted. Substantial penalty for early withdrawals. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal. VIP=Value In Participation: VIP Gold or Platinum members get 1/4% monthly interest bonus on CD's & certain loans that have taken out since Sept. 2003. Birthday cards do not qualify to take advantage of CD specials, which include odd termed CD offers under the CD SPECIALS title. **19 Month Bump CD Rate can be changed once any time during the term of the CD to FCU’s current rate. Will auto renew as a non-bump cd. ***33 month CD new to FCU money only and must be opened in person at the following branch locations only: Owosso, West Branch Meijer, Tittabawassee Meijer, Gratiot Meijer, Pigeon or Harbor Beach.7 Month CD and 19 Month Bump CD for new to FCU money only.
Effective Date: May 28, 2023
*APY=Annual Percentage Yield.. Rates may change at any time. Contact FCU for more information. For Certificates of Deposit requirement a minimum investment of $500.
No personal information from children under the age of 13 is collected from this site.
Stop by a Frankenmuth Credit Union Branch or call/text us at 989-497-1600 or use the chat icon on the right. Say ‘Hello’ and we’ll help you set up your new account. We look forward to hearing from you!
