Kasasa Cash Checking
| APY** | Div Rate | Max. | Details |
|---|---|---|---|
| Dollar Amount | Description | ||
| 6.20% | 6.03% | $15,000 | Non-qualified accounts earn .01%APY |
| 6.20% - 0.94% | 0.15% | Over $15,000 | Non-qualified accounts earn .01%APY |
*Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card transactions and a minimum of one ACH payment or ACH deposit during the qualifying cycle. **APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA. Contact us for more information.
Effective Date: April 26, 2025
Kasasa Saver
| APY** | Div Rate | Max. | Details |
|---|---|---|---|
| Dollar Amount | Description | ||
| 3.00% | 2.96% | $50,000 | Non-qualified accounts earn .01%APY |
| 3.00% - 1.09% | 0.14% | Balances over $50,000 | Non-qualifying accounts earn .01%APY |
Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card purchases and a minimum of one ACH payment or ACH deposit during the qualifying cycle. **APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information. Only members with a Kasasa Cash or Kasasa Cash Back checking can also take advantage of a Kasasa Saver savings account. When you qualify each month with your Kasasa Cash and Kasasa Cash Back you automatically qualify with your Saver account too. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA.
Effective Date: April 26, 2025
Plus+ Savings Account
| Tiers | APY** | Div Rate* |
|---|---|---|
| $500 - $9,999 | 2.53% | 2.50% |
| $10,000 - $24,999 | 2.74% | 2.71% |
| $25,000 - $99,999 | 3.00% | 2.96% |
| $100,000 - $499,999 | 3.23% | 3.18% |
| $500,000 - $999,999 | 3.31% | 3.26% |
| $1,000,000 & Up | 3.49% | 3.43% |
**APY=Annual Percentage Yield. Rates may change at any time. Must maintain a minimum daily balance of $500 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. May not be used in the overdraft table. Federally insured by NCUA. Contact us for more information.
Effective Date: April 26, 2025
Savings Escrow, Club and Birdie Accounts
| 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. Federally insured by NCUA.
Effective Date: April 26, 2025
Health Savings Checking
| Investment Amount | APY** | Div Rate* |
|---|---|---|
| $0.01 - $999 | 0.15% | 0.15% |
| $1,000 - $2,499 | 0.30% | 0.30% |
| $2,500 - $9,999 | 0.30% | 0.30% |
| $10,000 and up | 0.30% | 0.30% |
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Frankenmuth Credit Union our Health Savings Account requires a low, one-time $5.00 startup fee. HSA's are designed for those members with high deductible health insurance plans. Contact us at (989)497-1600 for more information on our very attractive HSA program.
Effective Date: April 26, 2025
Wealth Builder
| Investment | APY** | Div Rate* |
|---|---|---|
| $100-$9,999 | .20% | .20% |
| $10,000-$49,999 | .16%-.20% | .15% |
| $50,000-$99,999 | .13%-.16% | .10% |
| $100,000+ | .05%-.13% | .05% |
**APY = Annual Percentage Yield. Rates may change at any time. No interest will be paid on the Wealth Builder Consumer if the average daily balance is less than $100. Account approval, qualifications, limits and other requirements may apply. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Federally insured by NCUA.
Effective Date: April 26, 2025
All-In Savings
| Min. | APY** | Div Rate* |
|---|---|---|
| $100 | 1.00% | 0.99% |
**APY=Annual Percentage Yield. Rates may change at any time. Must maintain a minimum daily balance of $100 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. Federally insured by NCUA. Contact us for information about fees and terms that may apply.
Effective Date: April 26, 2025
Mega Money Market
| Balance | APY** | Div Rate* |
|---|---|---|
| $10,000 - $24,999 | 1.40% | 1.39% |
| $25,000 - $49,999 | 1.50% | 1.49% |
| $50,000 - $99,999 | 1.60% | 1.59% |
| $100,000 - $499,999 | 2.25% | 2.23% |
| $500,000 - $999,999 | 2.75% | 2.72% |
| $1,000,000 and up | 2.90% | 2.86% |
*Required minimum opening balance for both Money Market Accounts is the minimum required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100. **APY = Annual Percentage Yield. Members will forfeit dividends if account is closed before accrued dividends are posted. Federally insured by NCUA. Contact us for more information.
Effective Date: April 26, 2025
Youth Savings
| Description | APY** | Div. Rate* |
|---|---|---|
| Promise to Save | .02% | .02% |
| Matching CASH BONUS after 12 months of saving!*** | ||
**APY=Annual Percentage Yield. ***Members can choose to deposit extra funds at any time. In order to qualify for the Bonus Payment, the balance remaining on deposit must not drop below the Bonus Payment Amount times the number of months the account has been opened, rounded to the next highest whole number (the “Minimum Secured Balance”). If the conditions are met FCU will pay the account owner a one-time Bonus Payment in the amount selected by the owner within 30 days of the first anniversary date of account-opening. Only one My Promise to Save account my be opened in any 12-month period and only one account per main owners’ social security number. This is a variable rate and the dividend rate and Annual Percentage Yield may change every quarter. Federally insured by NCUA. Speak with an FCU Rep for full disclosure information.
Effective Date: April 26, 2025
Traditional Roth IRA and Coverdell ESA
| Investment | APY** | Div Rate* |
|---|---|---|
| $0 - $9,999 | 0.10% | 0.10% |
| $10,000 - $24,999 | 0.20% | 0.20% |
| $25,000 - $99,999 | 0.20% | 0.20% |
| $100,000 & Up | 0.20% | 0.20% |
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA. Contact us for more information. Fees may reduce earnings on these accounts. If you are looking for more IRA investment options, check out our Certificates of Deposit rates. IRAs can take advantage of these great rates also. Frankenmuth Credit Union also applies the following fees to IRAs: • $4.00 Enrollment Fee • $12.00 Annual Maintenance Fee. Annual Maintenance Fee is charged February 1 of each year.
Effective Date: April 26, 2025
Featured CD-Certificate of Deposit
| CD Type | APY** | Div Rate* | Min. | Details |
|---|---|---|---|---|
| Minimum Investment | Description | |||
| $500 - $99,999 | ||||
| 7 Months | 3.57% | 3.51% | $500 | Good for funds already at FCU and new funds. |
| 13 Months | 3.42% | 3.37% | $500 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.51% | 3.45% | $500 | Good for funds new to FCU only. |
| $100,000 - $149,000 | ||||
| 7 Months | 3.77% | 3.71% | $100,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.56% | 3.50% | $100,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.61% | 3.55% | $100,000 | Good for funds new to FCU only |
| $150,000 - $249,999 | ||||
| 7 Months | 3.98% | 3.91% | $150,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.65% | 3.59% | $150,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.71% | 3.65% | $150,000 | Good for funds new to FCU only |
| $250,000 - and up | ||||
| 7 Months | 4.08% | 4.00% | $250,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.75% | 3.69% | $250,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.92% | 3.85% | $250,000 | Good for funds new to FCU only |
| Livestock Fair CD | ||||
| 7 Months | 5.25% | 5.13% | $500 | ****Only for youth who sold livestock during county fairs. See disclosure for details. |
**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. 19 Month Bump CD for new to FCU money only. ****Only for youth who sold livestock during county fairs in 2024. Must be new to FCU money with check coming from: Saginaw County Fair, Treasurer of Genesee County Fair, Marlette Livestock, Tuscola Small Livestock, United Producers, Huron Fair Board, Bay County Fair & Youth Expo, MSU, or Ogemaw County Fair. If livestock check is not $500 or more, personal funds may be added to bring the CD amount to $500, as long as the entire livestock check is used.
Effective Date: April 26, 2025
CD-Certificate of Deposit
| Term | APY** | Div Rate* |
|---|---|---|
| $500 - $99,999 Term | ||
| 3 Months | 1.30% | 1.29% |
| 6 Months | 1.35% | 1.34% |
| 9 Months | 1.50% | 1.49% |
| 12 Months | 1.60% | 1.59% |
| 18 Months | 1.65% | 1.64% |
| 24 Months | 1.70% | 1.69% |
| 30 Months | 1.80% | 1.78% |
| 36 Months | 1.85% | 1.83% |
| 36 Month Bump*** | 1.85% | 1.83% |
| 48 Months | 1.90% | 1.88% |
| 60 Months | 2.03% | 2.03% |
| 60 Month Bump*** | 2.03% | 2.03% |
| $100,000 - $149,000 Term | ||
| 3 Months | 1.35% | 1.34% |
| 6 Months | 1.40% | 1.39% |
| 9 Months | 1.55% | 1.54% |
| 12 Months | 1.65% | 1.64% |
| 18 Months | 1.70% | 1.69% |
| 24 Months | 1.75% | 1.74% |
| 30 Months | 1.85% | 1.83% |
| 36 Months | 1.90% | 1.90% |
| 36 Month Bump*** | 1.90% | 1.90% |
| 48 Months | 1.95% | 1.93% |
| 60 Months | 2.10% | 2.08% |
| 60 Month Bump*** | 2.10% | 2.08% |
| $150,000 - $249,000 Term | ||
| 3 Months | 1.40% | 1.39% |
| 6 Months | 1.45% | 1.44% |
| 9 Months | 1.60% | 1.59% |
| 12 Months | 1.70% | 1.69% |
| 18 Months | 1.75% | 1.74% |
| 24 Months | 1.81% | 1.79% |
| 30 Months | 1.90% | 1.88% |
| 36 Months | 1.95% | 1.93% |
| 36 Month Bump*** | 1.95% | 1.93% |
| 48 Months | 2.00% | 1.98% |
| 60 Months | 2.15% | 2.13% |
| 60 Month Bump*** | 2.15% | 2.13% |
| $250,000 and up Term | ||
| 3 Months | 1.45% | 1.44% |
| 6 Months | 1.50% | 1.49% |
| 9 Months | 1.65% | 1.64% |
| 12 Months | 1.75% | 1.74% |
| 18 Months | 1.81% | 1.79% |
| 24 Months | 1.85% | 1.83% |
| 30 Months | 1.95% | 1.93% |
| 36 Months | 2.00% | 1.98% |
| 36 Month Bump*** | 2.00% | 1.98% |
| 48 Months | 2.05% | 2.03% |
| 60 Months | 2.20% | 2.18% |
| 60 Month Bump*** | 2.20% | 2.18% |
*Require $500 minimum investment for a Certificate of Deposit under $100,000. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. ***Bump CD's have option to change rate to current rate once per CD term.
Effective Date: April 26, 2025
Save to Win
| APY** | Div Rate* | Min. | ||
|---|---|---|---|---|
| Minimum Dollar Amount | ||||
| Save To Win CD | 3.00% | 2.97% | $25 to open | 12 Month CD Can Add Funds At Anytime Cannot withdraw until 12 months after date of opening |
| Save To Win Savings Account | 2.05% | 2.03% | $25 to open | Liquid Savings Account Can Add Funds At Anytime Can Withdraw Funds At Anytime |
**APY=Annual Percentage Yield. Save to Win CD: Rates may change at any time. Penalty for early withdrawals or closings. Members will forfeit dividends if accounts closed before accrued dividends are posted. Withdrawal Charges: if the CD balance is (1) under $25,000, the fee for one-time withdrawal is $50. and/or if the balance is (2) $25,000 or higher, the fee is $100. Save To Win Savings account: Rates may change at any time. Federally insured by NCUA. Contact us for more information.
Effective Date: April 26, 2025
Be Happy Consumer Loan
| Description | APR* | Rate** | Term |
|---|---|---|---|
| as low as | as low as | Repayment Option | |
| Be Happy Christmas Loan | 10.33% | 7.99% | 12 month |
| Be Happy Christmas Loan | 10.22% | 8.99% | 24 months |
| Be Happy Christmas Loan | 10.84% | 9.99% | 36 months |
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable over the term listed above. Must meet FCU's normal underwriting qualifications for approval. A loan application fee applies and is included in the APR calculation. Rates may change at any time. Contact us for more details. 1/4% lower if fully secured. **First payment can be made up to 90 days out-interest will accrue. Be Happy Loan applies to new loan money only.
To estimate your minimum payment, use our Payoff Calculator. Click Here.
To estimate your minimum payment, use our Payoff Calculator. Click Here.
Effective Date: April 26, 2025
Auto Loan
| Type | APR* | Rate** | Term |
|---|---|---|---|
| as low as | as low as | months | |
| 2024 or newer | 5.60% | 5.44% | 75 |
| 2023-2021 | 5.63% | 5.44% | 63 |
| 2020-2018 | 5.68% | 5.44% | 51 |
| 2017 and older | 5.75% | 5.44% | 39 |
| Antique Auto | 7.79% | 7.59% | 63 |
| Driving Sense-Lease Look Alike | 6.68% | 5.44% | up to 72 |
| Auto Loan Special*** | 5.44% | 5.19% | 48 |
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable over the term listed above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. ***48 Month AUTO LOAN SPECIAL applies to 2018 or newer, $125 loan app fee, new to FCU money only. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details. Interest will continue to accrue if no payment is made. Extended repayment options may be available, please contact FCU for more information.
To estimate your minimum payment, use our Payoff Calculator. Click Here.
To estimate your minimum payment, use our Payoff Calculator. Click Here.
Effective Date: April 26, 2025
Driver’s Sense-Lease Look Alike
| Driving Sense | APR* | Rate** | Term |
|---|---|---|---|
| as low as | as low as | ||
| Model 5 Years Old & Newer Qualify | 6.68% | 5.44% | up to 72 months |
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details.
Effective Date: April 26, 2025
Recreational Vehicle
| Description | APR* | Rate** | Term |
|---|---|---|---|
| as low as | as low as | ||
| ATV, Snowmobile, Lawn & Garden, Jet Ski or Trailer | 7.39% | 7.24% | Contact Us |
| RV, Boat, Travel Trailer or Plane | 7.39% | 7.24% | Contact Us |
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. Must meet FCU's normal underwriting qualifications for approval. A loan application fee applies and is included in the APR calculation. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day no pay offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Interest will continue to accrue if no payment is made. Contact us for more details.
To estimate your minimum payment, use our Payoff Calculator Click Here.
To estimate your minimum payment, use our Payoff Calculator Click Here.
Effective Date: April 26, 2025
Motorcycle
| Type | APR* | Rate** | Term |
|---|---|---|---|
| as low as | as low as | months | |
| 2024 or newer | 5.60% | 5.44% | 75 |
| 2023-2021 | 5.63% | 5.44% | 63 |
| 2020-2018 | 5.68% | 5.44% | 51 |
| 2017 and older | 5.75% | 5.44% | 39 |
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable over the term listed above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU.
To estimate your minimum payment, use our Payoff Calculator. Click Here.
To estimate your minimum payment, use our Payoff Calculator. Click Here.
Effective Date: April 26, 2025
Share Pledge Loan
Effective Date: April 26, 2025
Signature Loans
| Description | APR* | Rate** | Term |
|---|---|---|---|
| as low as | as low as | Repayment Option | |
| Personal Signature Loan | 10.28% | 9.49% | 39 Months |
| Gold LOC (Line of Credit) | 11.50% | Prime + 4% (variable rate) | Monthly payment figured on the balance. |
| Home Improvement Loans | |||
| Unsecured Home Improvement Loan | 9.89% | 9.24% | 48 Months Contact Us |
| Secured Home Improvement Loan | 8.88% | 8.24% | 48 Months Contact Us |
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details.
To estimate your minimum payment, use our Payoff Calculator Click Here.
To estimate your minimum payment, use our Payoff Calculator Click Here.
Effective Date: April 26, 2025
Consumer MasterCard Credit Cards
| 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.
**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: April 26, 2025
Business Platinum MasterCard
| 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 |
*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: April 26, 2025
Mortgage Loans
| Description | APR* |
|---|---|
| as low as | |
| 10 Year Fixed† | 6.000% |
| 15 Year Fixed† | 6.375% |
| 20 Year Fixed† | 6.500% |
| 30 Year Fixed† | 6.625% |
| Rural Development | 6.750% |
| 5 Year Balloon Construction Loan | Contact Us |
| 10 Year Construction Loan | 6.375% |
| 15 Year Construction Loan | 6.625% |
| 20 Year Construction Loan | 6.875% |
| 30 Year Construction Loan | 7.375 |
| 5 Yr. Balloon | 7.375% |
| 10 Yr. Balloon | 7.475% |
*APR=Annual Percentage Rate. Contact us for more information. A loan application fee applies and is included in the APR calculation. FCU Mortgage rates are subject to change at anytime. To get a specific rate, for your individual situation, please contact our Mortgage Department at 989.497.1600.
†Rates are based on a $150,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 30 day lock.
†Rates are based on a $150,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 30 day lock.
Effective Date: April 26, 2025
Home Equity
| Description | APR* |
|---|---|
| as low as | |
| Closed End Home Equity Max Term 15 yrs or 30 yr amortization with 15 year balloon | Contact Us |
| Prime Gold Home Equity equal to or less than 80% LTV, Prime 4.00% floor of 4.00% | 7.500%*** Rate tied to Prime |
| Prime Plus Gold Home Equity greater than 80% LTV, Prime 4.00%, floor of 4.00% | 8.250%*** Rate tied to Prime + .75% |
| MasterCard Gold Home Equity equal to or less than 80% LTV | 7.900%*** |
| MasterCard Gold Home Equity greater than 80% LTV | 8.900%*** |
*APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information. Loan rates and approval subject to credit score and analysis.
***Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front. All fees are due at closing and range from $810 to $3,111. Items that can affect the amount of your costs are the dollar amount of the mortgage and number of people on the loan. All fees are disclosed at time of application and can be more than this disclosed range if there is more than two borrowers on the loan or other extenuating circumstances. 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.
***Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front. All fees are due at closing and range from $810 to $3,111. Items that can affect the amount of your costs are the dollar amount of the mortgage and number of people on the loan. All fees are disclosed at time of application and can be more than this disclosed range if there is more than two borrowers on the loan or other extenuating circumstances. 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: April 26, 2025
Education Line of Credit
| Description | APR* | Max. $ Amount |
|---|---|---|
| as low as | Maximum Dollar Amount | |
| Education Line of Credit | 9.04% | $50,000 Max. Line |
Payment calculated at 1% of balance or $100, whichever is greater. *APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.
Effective Date: April 26, 2025
Post Deferment Student Loan Refinance
| Description | APR* | Rate** | Term |
|---|---|---|---|
| as low as | as low as | Term in Years | |
| Post Deferment Student Loan Refinance | 8.15% | 8.04% | 10 yrs to repay |
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details.
To estimate your minimum payment, use our Payoff Calculator. Click Here.
Effective Date: April 26, 2025
Business Platinum MasterCard
| 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 |
*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: April 26, 2025
Business Checking
| Description | APY** | Div Rate* | Balance |
|---|---|---|---|
| Minimum balance to earn interest | |||
| 2 Star Plus Checking | 0.03% | 0.03% | $250 min. |
| 3 Star Plus Checking | 0.05% | 0.05% | $500 min. |
| 4 Star Plus Checking | 0.10% | 0.10% | $1000 min. |
| 5 Star Plus Checking | 0.30% | 0.30% | $20,000 min. |
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Fees may reduce earnings on these accounts.
Effective Date: April 26, 2025
Business Plus+ Savings
| Tiers | APY** | Div Rate* |
|---|---|---|
| $500 - $9,999 | 2.53% | 2.50% |
| $10,000 - $24,999 | 2.74% | 2.71% |
| $25,000 - $99,999 | 3.00% | 2.96% |
| $100,000 - $499,999 | 3.23% | 3.18% |
| $500,000 - $999,999 | 3.31% | 3.26% |
| $1,000,000 & Up | 3.49% | 3.43% |
**APY=Annual Percentage Yield. Rates may change at any time. Must maintain a minimum daily balance of $500 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. May not be used in the overdraft table. Federally insured by NCUA. Contact us for more information.
Effective Date: April 26, 2025
All-In Savings Business
| Min. | APY** | Div Rate* |
|---|---|---|
| $100 | 1.00% | 0.99% |
**APY=Annual Percentage Yield. Rates may change at any time. Must maintain a minimum daily balance of $100 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. Federally insured by NCUA. Contact us for information about fees and terms that may apply.
Effective Date: April 26, 2025
Business Wealth Builder
| Investment | APY** | Div Rate* |
|---|---|---|
| $1,000-$99,999 | .20% | .20% |
| $100,000-$149,999 | .18%-.20% | .15% |
| $150,000-$249,999 | .15%-.18% | .10% |
| $250,000+ | .05%-.15% | .05% |
**APY = Annual Percentage Yield. Rates may change at any time. Advertised rate is on the first $249,999 in balances for businesses. No interest will be paid on the Business Wealth Builder if the average daily balance is less than $1,000. Account approval, qualifications, limits and other requirements may apply. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Federally insured by NCUA.
Effective Date: April 26, 2025
Business Savings
| Dividend Tiers | APY** | Div Rate* |
|---|---|---|
| $5 - $9,999 | 0.10% | 0.10% |
| $10,000 - $24,999 | 0.10% | 0.10% |
| $25,000 - $99,999 | 0.10% | 0.10% |
| $100,000 & Up | 0.10% | 0.10% |
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA. FCU offers special savings rates for our members that take advantage of our excellent business programs. Contact our business department for more information.
Effective Date: April 26, 2025